Cheap Car Insurance in Colorado 2019

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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

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