Cheap Car Insurance in Colorado 2019

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Cheapest auto insurance companies in Colorado

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

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


Average auto insurance companies in Colorado

Insurance increase 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 Clean driving record Speeding ticket % increase
Colorado $1,694/year $2,130/year 26%
Nationwide average 26%

Insurance increase 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 Clean driving record Chargeable accident, no injury % increase
Colorado $1,694/year $2,235/year 32%
Nationwide average 36%

Average car insurance premiums 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


Auto insurance requirements in Colorado

You must show your insurance ID card (or other proof of financial responsibility) in Colorado when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your car is involved in an accident

Penalties for not having auto insurance in Colorado

  • First offense: A minimum of a $500 fine
  • Second offense within five years: $1,000 fee; potential imprisonment; potential minimum of 40 hours of community service

Source: Property Casualty Insurers Association of America

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 Aug. 22, 2019

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