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Finding cheap Colorado car insurance
If you're looking for cheap car insurance in Colorado, one of the best strategies is to compare quotes. That's because rates can vary by hundreds of dollars a year among auto insurers for the same coverage.
We've analyzed average premiums reported by EverQuote users so you can see how prices compare for Colorado drivers. (See methodology at the bottom of the page.)
Sections:
Colorado vs. the U.S. average
Average premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
See average premiums for Colorado cities
Find cheap Colorado car insurance
Colorado car insurance vs. the U.S. average
Average insurance premiums paid by Colorado drivers with good records are about the same as the national average:
- $1,694/year Colorado average.
- $1,684/year national average.
Average Colorado auto insurance premiums by company
| Company
(click to see reviews) |
Average annual premium in Colorado |
|---|---|
| The Hartford | $1,517 |
| Travelers Insurance | $1,542 |
| AAA Insurance/Auto Club | $1,549 |
| Dairyland Insurance | $1,587 |
| American Family Insurance | $1,588 |
| State Farm | $1,635 |
| Geico | $1,693 |
| Nationwide Insurance | $1,721 |
| Esurance | $1,727 |
| Liberty Mutual | $1,746 |
| USAA | $1,754 |
| Allstate | $1,764 |
| Safeco | $1,767 |
| Farmers Insurance | $1,843 |
| Progressive Insurance | $1,845 |
| The General | $1,864 |
Insurance increases in Colorado after a speeding ticket
Colorado drivers with a speeding ticket pay 26% more than drivers with a clean record, the same as the national average.
| State | Annual premium with clean driving record | Annual premium with speeding ticket | % increase |
|---|---|---|---|
| Colorado | $1,694 | $2,130 | 26% |
| Nationwide average | 26% | ||
Insurance increases in Colorado after an accident
Colorado drivers who caused an accident pay 32% more than those with a clean record, which is lower than the national average increase.
| State | Annual premium with clean driving record | Annual premium with an chargeable accident, no injury | % increase |
|---|---|---|---|
| Colorado | $1,694 | $2,235 | 32% |
| Nationwide average | 36% | ||
Average car insurance paid in Colorado cities
| City | Average annual premium |
|---|---|
| Arvada | $1,780 |
| Aurora | $1,819 |
| Boulder | $1,582 |
| Brighton | $1,683 |
| Broomfield | $1,549 |
| Castle Rock | $1,754 |
| Colorado Springs | $1,759 |
| Denver | $1,743 |
| Englewood | $1,657 |
| Fort Collins | $1,455 |
| Golden | $1,661 |
| Grand Junction | $1,495 |
| Greeley | $1,495 |
| Littleton | $1,740 |
| Longmont | $1,527 |
| Loveland | $1,496 |
| Parker | $1,837 |
| Pueblo | $1,777 |
| Westminster | $1,795 |
How to get cheaper Colorado auto insurance
- Keep a clean driving record with no accidents, tickets or insurance claims.
- Compare car insurance quotes from multiple insurance companies.
- Ask your auto insurance agent to review all the available car insurance discounts.
- Increase the deductible on comprehensive and collision coverage, if you have them.
- Buy renters or home insurance from your car insurance company to get a discount for "bundling."
- If you're buying a car, ask your agent to run quotes for the cars you're considering so you're not surprised by the insurance bill later.
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Feb. 20, 2019