Cheap Car Insurance In Colorado State In 2022

At CheapInsurance.com we’ve put together expert tips and quote comparisons to help you find affordable car insurance in Colorado State.

Colorado is known for its beautiful wildlife, forests, mesas, hot springs, and sand dunes. 

This makes the state a popular destination for activities like hiking, mountain biking, horseback riding, skiing, and canoeing.

With several natural sites to visit and an estimated number of over 4 million drivers on the roads in Colorado, it’s important to ensure that you have adequate car insurance.

The average estimated rate for full coverage car insurance in Colorado is $1,860 per year or $155 per month. 

That’s approximately 8% higher than the national average of $1,730 per year—making Colorado one of the more expensive states for car insurance.

 

Factors Affecting Car Insurance 

Not only do your rates vary depending on where you live and the vehicle you drive, but several other factors can also influence the cost of coverage in Colorado. This includes your:

  • Age.
  • Gender.
  • Marital status.
  • Driving history.
  • Credit score.
  • Insurance provider.
  • Coverage type. 
 

Colorado is an “at-fault” state, which means that when an accident occurs, the car insurance company of the person who caused the accident will pay for the injuries and damages caused.

In Colorado, every automobile on the road must have liability coverage car insurance. 

If you cause an accident, liability insurance covers the other party’s bodily injuries, as well as damage to their vehicle or property.

If you drive your car without minimum coverage car insurance, you could receive a fine of $550 or more. 

If you cause an automobile collision in the state of Colorado and you do not have auto insurance, your driver’s license may be suspended if you do not pay for the resulting damages and/or injuries.

To help you find the best deals on car insurance in the state, we’ve compared quotes from car insurers in these Colorado counties:

  • El Paso.
  • Denver.
  • Arapahoe.
  • Jefferson.
  • Adams.
 

Some of the cheapest car insurance companies in the state of Colorado are: 

  • Sun Coast.
  • Bristol West.
  • Dairyland.
  • The General.
  • State Auto.
  • Kemper Auto.
 

Because the cost of car insurance in Colorado is dependent on your unique driving profile, we’ve gone a step further and compared the cost of auto insurance rates for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16 and 25).
  • Bad drivers (those with a history of traffic violations).
 

Minimum Liability Insurance in Colorado    

Minimum liability insurance is a popular choice because you pay much cheaper car insurance premiums. However, it only covers the other driver’s injuries and property damage. 

This means that minimum liability insurance doesn’t include protection for damage to your own vehicle or injuries sustained by you or your passengers. 

The minimum coverage car insurance requirements in Colorado State are:

  • $25,000 for bodily injury or death to any one person in an accident.
  • $50,000 for bodily injury or death to all persons in any one accident.
  • $15,000 for property damage in any given accident. 
 

If you’re found to be at-fault in a car accident and you do not meet the minimum liability insurance requirements, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

As a major part of your liability insurance, bodily injury insurance covers medical bills for people other than the policyholder who are injured during an accident.

We have found that on average, the cost of a minimum liability car insurance policy in Colorado State is $231.90 per month.  

Sun Coast offers the cheapest car insurance rates for minimum liability coverage, which costs on average $148.40 per month.

Cheapest Minimum Liability Car Insurance in Colorado

Provider

El Paso County

Denver County

Arapahoe County

Jefferson County

Adams County

Average

Sun Coast

$125.00

$170.00

$157.00

$138.00

$152.00

$148.40

Bristol West

$210.00

$243.00

$222.00

$192.00

$188.00

$211.00

Dairyland

$219.00

$261.00

$251.00

$201.00

$217.00

$229.80

The General

$271.00

$324.00

$292.00

$280.00

$291.00

$291.60

State Auto

$276.00

$332.00

$291.00

$252.00

$242.00

$278.60

Kemper Auto

N/A

N/A

N/A

$232.00

N/A

$232.00

Find Cheap Comprehensive Car Insurance in Colorado

Unless you have significant savings, it would be beneficial to have comprehensive car insurance to cover you in the event of the following scenarios:

  • Theft or theft of parts.
  • Non-crash damage (e.g., natural disasters, fire, flooding).
  • A broken windshield.
  • Car damage from hitting an animal.
 

Key Point: Full Coverage Car Insurance

Full coverage car insurance is made up of three different types of car insurance policies:

  • Comprehensive coverage: This type of insurance will compensate you if your car is totaled due to a non-accident-related event (e.g. fire, flood) or if it’s stolen.
  • Collision coverage: This type of auto insurance will compensate you if your car is totaled or damaged in a car accident.
  • Liability insurance: This type of insurance covers you for damage you may cause to another person’s property or injury/death you may cause while driving.

Without comprehensive car insurance, you risk finding yourself in a situation where you can’t drive your car because you can’t afford to get it repaired. 

To help you find the cheapest comprehensive car insurance in Colorado, we’ve compared the rates offered by four different insurers. 

We have found that on average, the cost of a comprehensive car insurance policy in Colorado is $330.17 per month.  

The two cheapest average rates for auto insurance are:

  • Sun Coast with average rates of $171.80. 
  • Travelers with average rates of $248.40.  
 
Cheapest Full Coverage Insurance in Colorado

Provider

El Paso County

Denver County

Arapahoe County

Jefferson County

Adams County

Average

Sun Coast

$145.00

$196.00

$184.00

$157.00

$177.00

$171.80

Bristol West

$433.00

$463.00

$488.00

$371.00

$399.00

$430.80

State Auto

$331.00

$386.00

$359.00

$298.00

$294.00

$333.60

Travelers

$248.00

$264.00

$278.00

$219.00

$233.00

$248.40

Dairyland

$328.00

$396.00

$371.00

$310.00

$324.00

$345.80

Liberty Mutual

$364.00

$500.00

$503.00

$403.00

$483.00

$450.60

Cheap Car Insurance in Colorado for Drivers with Clean Driving Records

The best way to prevent an increase in your annual premium is to maintain a clean driving record free of traffic violations and accidents. 

Drivers with a clean record are in a good position to find cheap car insurance. Auto insurance companies consider good drivers to be people who:

  • Have not been the cause of any car accidents.
  • Have not committed traffic offenses.
  • Have a good credit score.
  • Have not been issued speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions. 
 

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course.

We looked at the average car insurance rates offered by car insurance companies in Colorado for good drivers.

We have found that on average, the cost of car insurance for good drivers in Colorado is $265.97 per month.

The two cheapest car insurance companies for good drivers are:

  • Sun Coast with average rates of $171.80 per month.
  • Travelers with average rates of $228.20 per month.
 
Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Colorado

Provider

El Paso County

Denver County

Arapahoe County

Jefferson County

Adams County

Average

Sun Coast

$145.00

$196.00

$184.00

$157.00

$177.00

$171.80

Dairyland

$266.00

$310.00

$306.00

$236.00

$262.00

$276.00

State Auto

$313.00

$369.00

$337.00

$283.00

$277.00

$315.80

Bristol West

$337.00

$367.00

$371.00

$297.00

$308.00

$336.00

Travelers

$228.00

$244.00

$253.00

$204.00

$212.00

$228.20

Kemper Auto

$268.00

N/A

N/A

N/A

N/A

$268.00

Cheap Car Insurance in Colorado for High-Risk Drivers

Drivers with incidents on their record—such as an at-fault accident or a DUI (driving under the influence)—pay higher insurance rates.

Drivers with prior traffic violations are regarded by insurance companies as being a higher risk to insure than those who have a clean traffic record.

Insurance companies believe high-risk drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high-risk driver include:

  • Reckless driving.
  • Speeding tickets.
  • Unpaid insurance policy premiums.
  • A poor credit rating. 
 

The average cost of car insurance for bad drivers in Colorado is $325.36 per month.

The two cheapest auto insurance companies for bad drivers are:

  • Sun Coast with average rates of $238.00 per month.
  • Liberty Mutual with a rate of $239.00 per month.
 
Cheap Auto Insurance for High-Risk in Colorado (DUI, traffic ticket)

Provider

El Paso County

Denver County

Arapahoe County

Jefferson County

Adams County

Average

Sun Coast

$198.00

$273.00

$256.00

$218.00

$245.00

$238.00

Dairyland

$391.00

$462.00

$449.00

$353.00

$389.00

$408.80

Bristol West

$306.00

$345.00

$325.00

$282.00

$276.00

$306.80

The General

$403.00

$481.00

$439.00

$416.00

$432.00

$434.20

Liberty Mutual

$239.00

N/A

N/A

N/A

N/A

$239.00

Cheapest Car Insurance in Colorado for Young Drivers 

Since young drivers have less experience behind the wheel and tend to get into accidents more often, insurers typically charge them higher rates compared to more mature drivers. 

Good student and driver safety course discounts and staying on a parent’s policy for as long as possible can help young drivers reduce their rates.

We’ve compared the cost of car insurance for young drivers in Colorado to help you save on auto insurance costs. 

Bristol West offers the cheapest car insurance for young drivers with average rates of $361.80 per month. 

Cheapest Car Insurance for Young Drivers in Colorado

Provider

El Paso County

Denver County

Arapahoe County

Jefferson County

Adams County

Average

Dairyland

$359.00

$452.00

$400.00

$356.00

$334.00

$380.20

Bristol West

$364.00

$405.00

$397.00

$336.00

$307.00

$361.80

The General

N/A

$659.00

$628.00

$576.00

$601.00

$616.00

 

To find the best insurance rates in other U.S. states, read our articles below:

Florida

California

New York

Georgia

Michigan

Nevada

Top Tips for Finding Affordable Car Insurance

Take note of lender requirements

If your car is financed or leased, banks or other financial institutions are likely to require that you have liability insurance, comprehensive coverage, and collision insurance. 

Full coverage car insurance protects your lender if you’re in a car accident or your car is stolen and you can no longer afford to meet your monthly payments. 

You should avoid allowing your car insurance to lapse because single-interest car insurance is much more expensive than standard car insurance.

Want a personalized car insurance quote? Click here!

Compare quotes from different car insurance companies

Even if you think you’ve found a good deal on car insurance, it’s always advisable to shop around for a lower rate. 

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers. 

You can do this yourself, but it is time-consuming. You’ll need to phone each car insurance company or fill out an online form for them to give you a quote.

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder

 

Search for discounts

Top car insurance companies in Colorado have a variety of discounts, so almost anyone can find ways to save. 

You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more. 

 

Coverage may be based on where you live

Car insurance prices can vary a lot based on your zip code in Colorado. 

On average, drivers in the most expensive parts of Colorado spend over $800 more per year on full coverage car insurance than those living in the least expensive areas.

 

Top Car Insurance Companies in Colorado 

1.     State Auto 

Established in 1921, State Auto takes great pride in being innovative and doing things differently, especially when it comes to:

  • Overall customer service.
  • Customer flexibility.
  • Innovation and technology.
 

In addition to car insurance, State Auto offers homeowners insurance, personal insurance, and umbrella insurance.

Key Point: What Is Umbrella Insurance?

Umbrella insurance provides additional protection over and above the existing limits and coverage of your other insurance policies. 

If the value of your assets is higher than their insured amount, umbrella insurance will cover the gap if you need to make a claim.

State Auto also offers the following types of coverage:

  • Liability: Covers your liability to others for bodily injury or property damage for which you are legally at fault.
  • Medical payments/personal injury protection: Pays medical bills for you and others, including doctor, hospital, and surgical expenses, without regard to negligence.
  • Uninsured/underinsured motorists: Pays for bodily injury resulting from a hit-and-run driver, a driver with no insurance, or a driver who is inadequately insured.
  • Collision: Covers damage to your auto resulting from an accident.
 

Want a personalized car insurance quote? Click here!

2.  Bristol West

Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S. 

Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West include:

  • Multiple policy bundling discounts.
  • Personalized car insurance policies.
  • Rideshare coverage.
  • Medical payments.
  • Gap coverage.
  • Towing and roadside assistance.
 

Get a free quote for personalized car insurance.

Car Insurance in Colorado State FAQs

What are the car insurance requirements in Colorado?

Colorado law requires all drivers to obtain a certain amount of car insurance. The minimum coverage required is:

  • Bodily injury liability – $25,000 per person / $50,000 per accident.
  • Property damage – $15,000 per accident.
 

What are the penalties for driving without car insurance in Colorado? 

According to the Colorado State Department of Licensing, if you drive without the required insurance, you could be ordered to pay a fine of $550 or more.

In addition, if you don’t have insurance, your license may be suspended if you cause a car accident and you’re unable to pay the injured parties’ damages

 

What car insurance discounts are available in Colorado State?

You can get car insurance discounts in Colorado based on how you drive, the car you own, and your relationship with your insurance company. 

In Colorado, car insurance companies consider factors such as employment, credit rating, as well as residential and marital status when setting auto insurance premiums.  

 

What happens if my license is suspended in Colorado State?

Reasons for the suspension of your license include: 

  • Alcohol and drug-related offenses.
  • Driving without liability insurance. 
  • Points-based suspensions. 
  • Not paying child support. 
  • Criminal convictions.
 

If you’re caught driving on a suspended or revoked license you can be charged with a misdemeanor.

In many cases, the maximum penalty is six months in jail and a fine of $500. 

If you have a second or subsequent conviction within five years, you won’t be eligible for a driver’s license for three years.

 

Is car insurance mandatory in Colorado?

Yes, all Colorado drivers must carry the minimum required liability insurance to drive. 

However, liability insurance only applies to the damage the other driver sustains, so you may consider also getting a full coverage policy to protect yourself from high out-of-pocket costs.

 

How do I find cheap car insurance in Colorado?

The best way to find affordable car insurance in Colorado is to get at least four quotes from different auto insurance companies. 

You should also compare them to see which one offers you the best deductibles and coverage limits at the cheapest rate. 

Should you get the cheapest car insurance in Colorado?

The cheapest option may not always be the best option. On average, you can get cheaper rates by opting for less coverage, but this leaves you exposed as you will get limited protection. 

For instance, a state minimum policy in Colorado will not cover the cost of damages to your car in case of a crash or risks such as theft.

Enter your Zip Code and get a
FREE QUOTE TODAY!

Colorado is a popular tourist area known for its outdoors, particularly ski slopes and scenery. Colorado residents are generally a healthy bunch, maintaining their active lifestyle even during the freezing winter months.

Colorado is rural in many areas, so you may need to drive from place to place. And when you do drive, you need to make sure you’re carrying car insurance with you at all times. Colorado car insurance coverage can be pricey, though, because the state has a few densely populated areas with a lot of accidents. 

This doesn’t mean you’re doomed to pay high prices for your car insurance. Cheap Insurance can help you get the best possible rate. If you want cheap car insurance in Colorado, it’s easy to get a free quote!

Quick Colorado Car Insurance Facts

  • Colorado has a minimum coverage requirement known as the 25/50/15 rule.
  • The average cost of minimum liability auto insurance in Colorado is $518 per year.
  • Full car insurance coverage in the state costs an average of $2,016 per year. 
  • Approximately 16.3% of drivers in Colorado are uninsured, which is higher than the national average
Car driving on mountain road in Colorado

Minimum Colorado Car Insurance Coverage

If you drive in Colorado, you need to carry at least the minimum car insurance coverage. The state’s General Assembly offers a guide to insurance requirements in Colorado. 

Colorado requires minimum insurance for bodily injury and property damage liability. Drivers are required to carry at least the following auto insurance coverages:

  • Property damage: $15,000 coverage for a single accident
  • Bodily injury/death: $25,000 per person, $50,000 per accident

Getting Cheap Car Insurance In Colorado

Car insurance in Colorado can be pricey. Follow these tips to get cheap car insurance in Colorado.

  1. Get a free quote: Use Cheap Insurance to enter information about your vehicle and get instant access to a quote. It only takes a few clicks.
  2. Drive safely: One of the best ways to save money is to be a good driver. By driving safely, you can avoid accidents and tickets, which can increase your rates. 
  3. Consider a hybrid or electric vehicle. Some car insurance providers offer discounts for vehicles with alternative fuel.

Colorado Car Insurance Discounts

If you’re looking for car insurance coverage in Colorado, you’ll want to get the best deal possible. Here are some discounts to consider:

  • Good Driver: Drivers with no accidents or tickets can save 10-30%.
  • Good Student: If you attend school and have at least a 3.0 GPA, you can save up to 20%.
  • Safety Features: Drivers of vehicles with airbags, alarms, anti-lock brakes, and other features can save up to 30%.
  • Insure more than one vehicle: Use the same car insurance provider for all your vehicles and save money.

FAQ

What is the average car insurance cost in Colorado?

The average cost for full car insurance coverage in Colorado is $2,016 per year.

How much is car insurance per month in Colorado?

The average cost for full car insurance coverage in Colorado is approximately $168 per month.

What is the penalty for driving without insurance in Colorado?

Driving without insurance in Colorado is a misdemeanor. Penalties may include up to one year in jail, up to $1,000 in fines, and up to 40 hours of community service.

What is driving like in Colorado?

Getting from place to place in Colorado involves a lot of mountain driving. Take it slow and watch out for wildlife. Stay in the right lane at all times unless you are passing. If you’re driving in the winter, be prepared for snow by carrying an emergency kit with you. 

How can I save money on my car insurance policy in Colorado?

Cheap car insurance in Colorado is possible if you follow these tips:

  • Opt for paperless billing: Receive online statements and pay your bill in full for the most savings. 
  • Check out group rates: Your employer, college, or other association you are affiliated with may offer cheaper rates for insurance. 
  • Track your driving: Some car insurance providers use telematics to track your driving habits. If you’re OK with this, it could save you some money.

Other Types of Coverage

If you’re driving in Colorado, make sure you are properly insured. Besides the minimum insurance, check out these car insurance coverages:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM):

If you are in an accident caused by an uninsured or underinsured motorist, this coverage pays for your damages.

Medical Payments Coverage:

If you are in an accident caused by an uninsured or underinsured motorist, this coverage pays for your damages.

Endorsements and Riders:

  • Towing and road service: This coverage offers roadside assistance and includes benefits such as towing and flat tires.
  • Rental car reimbursement: If you need a rental car because your vehicle was damaged in a crash, this coverage will provide reimbursement. 
  • Gap insurance: When your car loan balance and actual car value differ, gap insurance fills in the gap.

Cities We Cover In Colorado

Get a quote from Cheap Insurance and lower your insurance premium. Cheap car insurance is available in these Colorado cities:

Average Annual Premiums in Colorado = $1,322 | via Insure.com

Enter your Zip Code and get a
FREE QUOTE TODAY!