Who Has the Cheapest Car Insurance Quotes in Colorado?

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We compared auto insurance quotes in the state of Colorado to benchmark the average cost of car insurance and identify the cheapest insurers and rates in each city. Across the seventy plus cities in our analysis, the average cost to insure a car with basic liability protection was $1,186 a year - almost $100 a month. 

While rates can vary based on where a driver lives, the biggest impact on costs is variability in companies’ quotes. The highest quote in one city, for example, was $2,244 or 367% higher than the cheapest car insurance company’s quote. This illustrates why consumers should always get quotes from at least three companies so they can compare and make an informed decision. Read more about this below, or type your zip code above now to see a list of cheap companies operating in your area.

Cheap Car Insurance in Colorado

The five companies with the cheapest car insurance rates in Colorado were: USAA, GEICO, Grange Insurance, State Farm, and Farmers Insurance. USAA, however, is a specialty insurer that only covers members of the military and their relatives. To round out a list of five providers with the best rates for the general population, we’ll add American Family, the insurer with the next lowest rates. Together, the six cheapest companies in Colorado charged an average rate of $837 each year to insure a vehicle. Compared to the overall state average, these companies were 29% lower, on average.

This list is based on the companies’ average annual premiums for a sample 30 year old male motorist across 76 cities in Colorado. Just bear in mind that your actual quotes will be different depending on your characteristics and driving history. For more specific results, submit your zip code for a list of companies to begin comparing cheap car insurance quotes.

Rank Auto Insurance Company Average Annual Rates
1 USAA $627
2 GEICO 786
3 Grange 820
4 State Farm 910
5 Farmers 912
6 American Family 967
7 Allied 1,004
8 Auto-Owners 1,176
9 Allstate 1,205
10 California Casualty 1,223
11 MetLife 1,365
12 Progressive 1,417
13 Encompass 1,473
14 Colorado Farm Bureau 1,710
15 Unitrin 2,198
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This graph identifies the six companies in Colorado with the lowest average annual premiums

Cheapest Car Insurance in Colorado: by City

We’ll also take a look at how the cheapest rates and companies can vary across by city in Colorado. Often, where a driver lives and garages their vehicle heavily influences the insurance rates they see, and which companies have the best rates in that area. 

This table below lists the three companies with the cheapest rates in 76 cities in Colorado, in alphabetical order. Yearly premiums are based on a single 30-year old male driver, so your actual quotes will be different and tailored to your insurance needs and circumstances. Next, we’ll provide more detail for a selection of cities in the Centennial State.

Note that USAA actually ranked as the cheapest auto insurance company in all of Colorado’s cities – great news for military members and their family, which are the only policyholders that the company will insure. Due to its specific requirements, we’ve excluded USAA to be more applicable to the general driver in Colorado.

City Cheapest Companies Average Annual Rates
Akron GEICO $828
Farmers 912
State Farm 912
Akron Average 1,266
Alamosa Grange 708
Farmers 876
Alamosa Average 1,137
Arvada Grange 744
Farmers 912
Arvada Average 1,186
Aspen Grange 816
State Farm 888
Aspen Average 1,187
Aurora GEICO 864
Grange 924
Farmers 972
Aurora Average 1,345
Bailey Grange 792
Allied 948
Bailey Average 1,346
Bayfield Grange 708
State Farm 876
Bayfield Average 1,178
Berthoud GEICO 660
Grange 732
Allied 828
Berthoud Average 1,090
Black Forest GEICO 804
Grange 864
Allied 960
Black Forest Average 1,212
Boulder GEICO 696
Grange 744
State Farm 864
Boulder Average 1,106
Brighton GEICO 780
Grange 792
Farmers 900
Brighton Average 1,195
Broomfield Grange 744
Farmers 828
Broomfield Average 1,139
Brush GEICO 816
Farmers 828
State Farm 912
Brush Average 1,205
Buena Vista GEICO 756
State Farm 804
Grange 840
Buena Vista Average 1,156
Burlington GEICO 828
American Family 876
State Farm 912
Burlington Average 1,269
Canon City Farmers 792
State Farm 804
Canon City Average 1,138
Carbondale State Farm 816
Grange 816
Carbondale Average 1,219
Castle Rock GEICO 792
Farmers 828
Grange 864
Castle Rock Average 1,149
Colorado Springs GEICO 792
Grange 864
Farmers 936
Colorado Springs Average 1,198
Columbine Grange 744
Farmers 960
Columbine Average 1,185
Commerce City GEICO 780
Grange 888
State Farm 996
Commerce City Average 1,340
Conifer GEICO 840
Grange 864
Farmers 1,008
Conifer Average 1,321
Cortez Grange 708
State Farm 876
Cortez Average 1,180
Craig Grange 708
Allied 804
Craig Average 1,217
Delta Grange 708
State Farm 816
Delta Average 1,119
Denver GEICO 936
Grange 1,068
State Farm 1,104
Denver Average 1,510
Durango Grange 708
State Farm 876
Durango Average 1,196
Englewood Grange 852
State Farm 1,008
Englewood Average 1,243
Estes Park GEICO 660
Grange 708
State Farm 828
Estes Park Average 1,123
Fort Collins GEICO 660
Grange 732
Farmers 768
Fort Collins Average 1,002
Fort Lupton Grange 792
Farmers 864
Fort Lupton Average 1,191
Fort Morgan Farmers 816
State Farm 912
Fort Morgan Average 1,214
Frederick GEICO 792
Grange 792
Farmers 864
Frederick Average 1,132
Golden Grange 744
State Farm 972
Golden Average 1,235
Granby Grange 744
State Farm 912
Granby Average 1,154
Grand Junction Grange 708
Farmers 780
Grand Junction Average 1,077
Greeley GEICO 660
Grange 792
Allied 828
Greeley Average 1,075
Greenwood Village GEICO 804
Grange 852
Farmers 948
Greenwood Village Average 1,198
Gunnison GEICO 756
State Farm 804
Grange 840
Gunnison Average 1,125
Highlands Ranch GEICO 768
Grange 840
Farmers 864
Highlands Ranch Average 1,136
Holyoke Farmers 804
State Farm 912
Holyoke Average 1,245
Johnstown GEICO 660
Grange 792
Allied 828
Johnstown Average 1,070
Julesburg Farmers 804
State Farm 912
Julesburg Average 1,248
La Junta GEICO 828
State Farm 864
American Family 876
La Junta Average 1,258
Lafayette GEICO 696
Grange 792
Farmers 840
Lafayette Average 1,087
Lakewood Grange 744
State Farm 972
Lakewood Average 1,254
Lamar GEICO 828
American Family 888
State Farm 924
Lamar Average 1,278
LaPorte Grange 732
Allied 828
LaPorte Average 1,046
Las Animas GEICO 828
Farmers 876
American Family 888
Las Animas Average 1,264
Leadville GEICO 756
Grange 816
State Farm 888
Leadville Average 1,251
Limon GEICO 828
Farmers 876
American Family 888
Limon Average 1,256
Littleton GEICO 768
Farmers 840
Grange 840
Littleton Average 1,131
Lone Tree GEICO 792
Grange 840
Farmers 864
Lone Tree Average 1,130
Longmont GEICO 696
Grange 744
Farmers 852
Longmont Average 1,064
Loveland GEICO 660
Grange 732
Farmers 744
Loveland Average 1,026
Mancos Grange 708
State Farm 876
Mancos Average 1,177
Montrose Grange 708
State Farm 804
Allied 840
Montrose Average 1,104
Monument GEICO 804
Grange 864
Farmers 876
Monument Average 1,200
Niwot GEICO 696
Grange 744
State Farm 864
Niwot Average 1,071
Pagosa Springs Grange 708
State Farm 876
Pagosa Springs Average 1,206
Paonia Grange 708
State Farm 816
Paonia Average 1,124
Parker GEICO 792
Farmers 816
Grange 840
Parker Average 1,134
Pueblo GEICO 840
Grange 876
American Family 1,068
Pueblo Average 1,369
Saguache GEICO 756
State Farm 804
Grange 840
Saguache Average 1,158
Salida GEICO 756
State Farm 804
Grange 864
Salida Average 1,135
Snowmass Grange 816
State Farm 888
Snowmass Average 1,195
Steamboat Springs Grange 708
State Farm 888
Steamboat Springs Average 1,163
Sterling GEICO 816
Farmers 852
State Farm 912
Sterling Average 1,226
Telluride Grange 708
State Farm 876
Telluride Average 1,183
Thornton GEICO 780
Grange 792
Farmers 852
Thornton Average 1,188
Trinidad GEICO 756
Farmers 840
State Farm 864
Trinidad Average 1,248
Vail Grange 816
State Farm 888
Vail Average 1,216
Westminster GEICO 816
State Farm 876
Grange 888
Westminster Average 1,199
Wheat Ridge Grange 744
State Farm 972
Wheat Ridge Average 1,234
Windsor GEICO 660
Grange 792
Farmers 816
Windsor Average 1,059
Woodland Park GEICO 804
Grange 864
Farmers 924
Woodland Park Average 1,259

Denver, CO

Denver is the most expensive city for car insurance on our list with an average cost 27% higher than the state average. Auto insurance for Denver drivers can cost $1,510 a year. Nicknamed the Mile High City, Denver is situated at the foothills of the Rocky Mountains some 5,300 feet above sea level. It is home to more than 600,000 residents, the Denver Broncos, the Colorado Rockies, the Colorado Avalanche, and the Denver Nuggets.

Even though auto insurance is the most expensive in Denver, there is always room to save. For cheap auto insurance rates in Denver, we suggest starting with quotes from GEICO, Grange, and State Farm. While USAA did have the best insurance rates in Denver, unless you’re part of a military family, it’s unlikely you’ll be insured. The three insurers above had the best car insurance quotes, on average, of $1,036 per year for basic coverage of bodily liability and property damage. That’s a 31% decrease compared to the citywide mean. The next best provider with the lowest rates in Denver is Farmers Insurance Company, followed by Allied.This graph outlines the six companies in Denver with the most affordable auto insurance rates. and compares them to the city average

Colorado Springs, CO

The Centennial State’s second largest city, Colorado Springs is home to 426,000 residents and the United States Air Force Academy. There is a plethora of natural beauty for residents and visitors alike to enjoy. The city is situated at the base of Pike’s Peak, one of Colorado’s vaunted 14ers that inspired the national song “America, the Beautiful”.

The companies with the cheapest car insurance quotes in Colorado Springs are USAA, GEICO, Grange, Farmers, and Allied / American Family (tied). This is great news for the approximately 7,000 airmen, servicemen, and families residing on the base, since USAA had the lowest costs out of the companies in The Springs. On average, the six companies charged about $858 a year to insure a vehicle in the city. Compared to $1,198 (the average annual cost of car insurance in Colorado Springs), getting a quote from one of these providers could save the city’s drivers 28%.

This graph lays out which companies in Colorado Springs have the cheapest rates for car insurance

Aurora, CO

Aurora is the fourth most expensive city for auto insurance in Colorado. Drivers in Aurora can pay $1,345 a year to insure their vehicles – about 14% costlier than the state average. With a population of 325,000, Aurora is the third most populous city in the Centennial State. The Buckley Air Force Base, which is Aurora’s largest employer, is located in Aurora.

Despite the city’s status as the fourth most expensive in the state, there is opportunity for consumers to lower their car insurance costs through comparing quotes. Airmen and other affiliated military members at the Buckley Air Force Base should consider getting premium estimates from USAA. USAA had the cheapest car insurance rates in Aurora, on average, by nearly 50% when compared to the city mean. For civilians, GEICO, Grange, and Farmers are three of the cheapest insurers in Aurora. These three providers had an average rate of $920 per year for basic liability and property damage coverage – which is $425 or 32% lower than what the typical Aurora insurer charges. State Farm and Auto-Owners complete the top five providers with the best rates in Aurora for the average driver.

This graph shows the six auto insurance providers in Aurora with the best average annual rates.

Fort Collins, CO

At the top of our cities with the cheapest car insurance is Fort Collins. It’s a university town – home to Colorado State University, to be specific – with a population of 144,000 located near the Rocky Mountains. Auto insurance here costs $1,002, which is 16% lower than the state average.

For low-cost auto insurance in Fort Collins, we suggest obtaining quotes from GEICO, Grange, and Farmers. Among these three companies, the average annual quote for the typical driver was $720, which would have saved him or her 28% compared to the city average. If you live in Fort Collins and are affiliated with the military, there’s another great option. USAA actually had the best rates for car insurance in Fort Collins – rates here were about 44% lower than the prevailing average in the city. This graph ranks the six providers in Fort Collins with the cheapest average annual premiums

Lakewood, CO

Lakewood is the fifth most populous city in Colorado, just outside of the Denver city proper. It is home to 143,000 residents and Colorado Christian University. Drivers insuring their cars in Lakewood can see mean costs averaging about $1,254 – just $68 lower than what the typical Coloradoan pays.

Which companies have the cheapest car insurance rates in Lakewood? Grange, GEICO, and State Farm would be three great companies to start getting quotes from. These three had the lowest rates that we saw in Lakewood for the commuting driver – amounting to $828 per year on average. At this level, costs would be 34% cheaper compared to the citywide mean. Are you an active or retired member of the military, or related to someone who is? Then USAA might have the best rates for you. Average annual rates at USAA of $612 were 51% lower than what the typical insurer charges in Lakewood. Farmers and American Family Insurance are two additional candidates for low cost auto insurance in Lakewood.Here are the six auto insurance companies in Lakewood with the best average annual rates

Thornton, CO

Perhaps one of Colorado’s newest cities, Thornton began developing in the early 1950s as the first fully planned neighborhood in Adams County. Situated about eleven miles from Denver, Thornton has grown recently to become Centennial State’s sixth largest city. On average, drivers can see annual rates of about $1,188, just two dollars more than the statewide average, to insure their vehicles in Thornton.

Drivers looking to save on car insurance rates in Thornton should evaluate quotes from GEICO, Grange, and Farmers – unless you’ve served in the military or are related to someone who has, in which case, get a quote from USAA too. In all, the four companies had an average cost of $753 a year, which is 37% cheaper than the city mean. 

This chart outlines the names and average annual rates of the companies in Thornton with the lowest average car insurance costs

Pueblo, CO

Pueblo, the seventh largest city in Colorado with 107,000 residents, is our second most expensive city for auto insurance. The annual cost of auto insurance for the city’s drivers is $1,369, which is 15% costlier than the state average. Pueblo is nicknamed the “City of Heroes” for producing a number of Medal of Honor recipients.

How can motorists save on insurance costs in Pueblo? We suggest obtaining and comparing quotes from GEICO, Grange, and American Family (USAA too, but it only insures military members and their families). The three general providers had the lowest auto insurance rates in Pueblo by about 32% when compared to the citywide average ($928 versus $1,369). For two additional suggestions, Allied and State Farm round out the most affordable companies in Pueblo.Here are the names of the cheapest auto insurance providers in Pueblo, and their average annual rates

Arvada, CO

The traffic signal installed at the corner of Olde Wadsworth Boulevard and Grandview Avenue in Arvada was the first of its kind in Jefferson County. It is also said that former resident T. H. Krause invented the turn signal that governs rules of the roads today. When it comes to auto insurance, Arvada drivers can see costs of $1,186 a year – right on par with state rates.

Drivers in Arvada looking to save on car insurance costs should obtain and compare quotes from Grange, GEICO, and Farmers at a minimum. At $812 per year, these three companies had some of the lowest rates insured vehicles in Arvada. This figure represents a 32% decrease against what the typical insurance provider in the city charges. Current and former servicemen in the military can potentially see even lower quotes at USAA.This chart shows who the six companies with the most affordable car insurance rates in Arvada are

Westminster, CO

Centrally located between Denver and Boulder, Westminster is a growing suburb community. It has been recognized by Money magazine as a “Best Place to Live”, and with sweeping views of the Rocky Mountains and access to a plethora of recreational activities – it’s easy to see how it garnered that distinction. At $1,199 per year, the cost of automobile insurance is just 1% higher than the state average.

We found the best rates for auto insurance in Westminster at GEICO, State Farm, and Grange – quotes among the three clustered around the $860 level. With these cheap rates, drivers could reduce their costs by 28% versus the average insurance company underwriting in Westminster. As you can see from the graph, USAA actually was the cheapest insurance company in Westminster, but they only insure members of the military and their families.This graph identifies the six companies underwriting in Westminster with the lowest average annual premiums.

Loveland, CO

Known as the Sweetheart City, Loveland is the city with the second cheapest auto insurance costs in Colorado. It is centrally located and accessible to larger cities and colleges such as Boulder, Colorado State University, University of Northern Colorado at Greeley, and Colorado University at Boulder. Great news for these commuters: the cost of car insurance here is $1,026 a year, about 13% cheaper than the Colorado average.

USAA, GEICO, Grange, Farmers, and Allied / State Farm (tied) make up the six companies with the best rates for car insurance in Loveland. Annual rates at these companies averaged $728, reducing rates for drivers in Loveland an additional 29% on top of the second lowest rates in Colorado. While USAA was the cheapest, bear in mind that the company only insures military and their family – so GEICO has the next cheapest rates in the city for the general motorist.Here are the six companies in Loveland with the lowest average annual costs for car insurance.

LaPorte, CO

The annual cost of auto insurance in LaPorte is $1,046, which is the third lowest cost in Colorado. LaPorte was the site of the first European settlement in Larimer County, and began as a hunting and fur-trapping community. It is home to approximately 2,700 residents, which makes it the smallest city on our top ten cheapest list in terms of population.

To drivers in search of low-cost car insurance in LaPorte: include quotes from Grange, GEICO, and State Farm / Allied (tied) when comparison shopping. These four companies had annual costs of $795 on average - $251 cheaper than the prevailing rate charged by the typical insurer in LaPorte. Drivers with military family can also consider USAA, which actually had the best rates in LaPorte. This graph ranks the six companies in LaPorte with the best auto insurance rates

Windsor, CO

Fourth on our list is Windsor, a town with roots in wheat production and sugar beet harvesting. Today, out of the 19,000 residents, those who drive pay $1,059 a year on average to insure their cars. That rate is 11% lower than the state average.

Who has the best auto insurance quotes in Windsor? GEICO, Grange, and Farmers had the lowest auto insurance rates for the civilian driver (motorists with military roots or family should also factor in USAA in their quote comparisons). These three companies charged on average $756 for car insurance, which is 29% more affordable compared to the average rates in Windsor. Allied and State Farm round out the five general insurance companies in Windsor with the best rates.This chart lays out the companies in Windsor with the lowest annual rates for car insurance

Longmont, CO

Located in the St. Vrain Valley, Longmont is named after Long’s Peak, a towering 14,000 foot mountain nearby. The city is the first in Boulder County with a grid plan for its streets – great for drivers navigating the city. It ranks as the fifth cheapest city in Colorado for car insurance with costs of $89 a month, or $1,064 a year.

Longmont drivers should obtain and evaluate quotes from GEICO, Grange, and Farmers. At an average rate of $764 annually, they had the lowest rates for car insurance out of the companies we surveyed in Longmont. Compared to the citywide average, drivers could see rates that are 28% lower with these companies. Have you or someone you’re closely related to served in the military? Then you should get a quote from USAA, a specialty insurer.This graph ranks the six cheapest companies and provides their average annual car insurance rates in Longmont

Bailey, CO

The third most expensive spot in Colorado has the lowest population among our Top Five with 8,000 residents. That’s Bailey, a community located in the northeast of Park County. Auto insurance in this rustic mountain town is 13% higher than the state average at $1,346 a year.

Even though Bailey drivers pay the third highest rates in the state, savings can be had with some price comparison. Our team found the cheapest quotes for car insurance in Bailey at Grange, GEICO, and Allied. For some context, average costs at these providers ($860 / year) were 36% or $486 cheaper than what the average insurer charged in Bailey. If you’re a member of the military or a relative of one, you can potentially see more favorable costs at USAA. Here are the six companies in Bailey with the best average annual rates for basic liability protection

Commerce City, CO

The fifth most expensive city for car insurance in Colorado is Commerce City. Located in Adams County, Commerce City is home to 46,000 denizens, and is just seven miles away from Denver. It can cost $1,340 a year for a driver to insure his car in Commerce City – 13% more expensive than the statewide average.

Living and driving in Commerce City doesn’t mean having to pay high rates, however. Some of the cheapest auto insurance rates we saw in Commerce City were at GEICO, Grange, and State Farm. The cost of basic liability protection among these three companies averaged $888 per year, which was 34% better than the citywide average. USAA (military and family only), Farmers, and Allied are a couple of other companies with the lowest rates in Commerce City.Here are the companies with the six cheapest rates on average for car insurance in Commerce City

Best Car Insurance Companies in Colorado

To determine who the best car insurance company is in Colorado, we’ve chosen one quantitative metric: insurers’ confirmed complaint index numbers. While there are many qualitative factors consumers should consider, a complaint index number is one uniform standard that multiple companies can be measured against. The index number compares a company’s share of confirmed complaints versus its share of business or premiums in Colorado. A confirmed complaint is a complaint founded by the state of Colorado to violate a law or disregard a contractual policy provision. The lower a complaint index number, the better the auto insurance company has performed relative to its competitors.

A number of auto insurance companies in Colorado lead the group with zero justified complaints - 21st Century, Acuity Insurance, and AIG are just a few examples based on an alphabetic sort. Out of the top six cheap car insurance companies in our graph above, USAA, State Farm, and American Family rank better than other companies. Farmers and GEICO performed slightly worse than the average insurer in Colorado based on this metric.

Company Premiums ($MM) Index Number
21st Century 11.6 0.00
Acuity Insurance 3.33 0.00
AIG 3.51 0.00
Alliance Insurance Group 3.2 0.00
ANPAC 21.88 0.00
Arizona Automobile Insurance Company 4.97 0.00
California Casualty 8.84 0.00
CSAA Insurance 21.39 0.00
Farmers Union Insurance 12.92 0.00
Great Northern Insurance 6.66 0.00
Horace Mann 4.84 0.00
Markel Insurance 3.5 0.00
Secura Insurance 4.01 0.00
Shelter 25.51 0.00
Hartford 64.52 0.26
Esurance 31.57 0.26
Nationwide 26.38 0.31
Amica 17.03 0.49
Progressive 320.07 0.59
State Auto 13.45 0.62
USAA 279.5 0.62
Allied 24.67 0.67
Colorado Farm Bureau Mutual Insurance Co 24.66 0.67
State Farm 590.19 0.74
Travelers 41.69 0.79
American Family 256.23 0.81
Allstate 223.12 0.82
Auto-Owners 18.81 0.88
Sentry 15.7 1.05
Encompass 7.76 1.07
Farmers 269.34 1.11
GEICO 253.68 1.14
MetLife 35.03 1.18
Safeco 93.31 1.24
Country Financial Insurance 25.17 1.32
Foremost 5.57 1.49
Safeway 5.26 1.57
Occidental Fire & Casualty 4.56 1.82
Liberty Mutual 58.86 2.25
Electric 3.61 2.29
Ameriprise 10.62 2.34
Alpha Property & Casualty 15.58 2.66
Kemper 3 2.76
Victoria Insurance 10.68 3.10
Bristol West 37.22 3.11
Mendota 9.39 3.53
The General 16.58 3.99
Dairyland 23.01 4.68
Loya Group 34.88 6.64
Grange Insurance 2.85 8.71
National General 3.33 9.94

Cost of Car Insurance in Colorado: Averages by City

From Fort Collins to Denver, below is a graph ranking cities from those with the lowest costs to the highest costs. The list is anchored by two of the Centennial State's most populous cities, and represents a sample size that is 66% of the overall state population. Across these seventy plus cities, the mean annual cost of car insurance is $1,186. A slight majority of the cities - 53% to be exact - had average rates that were lower than the state average, while 47% tended towards the more expensive half.

This graph ranks cities in Colorado based on their car insurance, from the cheapest in Fort Collins to the most expensive in Denver

How We Conducted the Study

We based our study on the auto insurance rates for a 30 year old male driving in seventy six cities in Colorado. He owns his own home and drives a 2010 Toyota Camry (base sedan) about 12,000 miles a year to and from work for the most part. He has had a clean driving and traffic record for the past five years and a good credit history as well.

The rates are based on roughly twice the insurance coverage mandated by the state of Colorado. Colorado requires auto insurance with a minimum of bodily injury protection of $25,000 per person up to $50,000 per accident, and $15,000 for property damage per accident. Included in our study are fifteen national insurers such as GEICO, Progressive, and State Farm.

  Colorado Required Minimum Study Limits
Bodily Injury Liability (BIL) $25,000 per person, and $50,000 per person, and
  up to $50,000 per accident up to $100,000 per accident
Property Damage $15,000 per accident $25,000
Uninsured / Underinsured Motorist BIL Optional $50,000 per person, and
    up to $100,000 per accident
Collision / Comprehensive Deductible Optional $500

The seventy six cities included in our comparison shopping are listed below in alphabetical order, along with their average annual cost of car insurance.

City Average Annual Rates Change vs. CO Average
Akron $1,266 7%
Alamosa 1,137 -4%
Arvada 1,186 0%
Aspen 1,187 0%
Aurora 1,345 13%
Bailey 1,346 13%
Bayfield 1,178 -1%
Berthoud 1,090 -8%
Black Forest 1,212 2%
Boulder 1,106 -7%
Brighton 1,195 1%
Broomfield 1,139 -4%
Brush 1,205 2%
Buena Vista 1,156 -3%
Burlington 1,269 7%
Cañon City 1,138 -4%
Carbondale 1,219 3%
Castle Rock 1,149 -3%
Colorado Springs 1,198 1%
Columbine 1,185 0%
Commerce City 1,340 13%
Conifer 1,321 11%
Cortez 1,180 -1%
Craig 1,217 3%
Delta 1,119 -6%
Denver 1,510 27%
Durango 1,196 1%
Englewood 1,243 5%
Estes Park 1,123 -5%
Fort Collins 1,002 -16%
Fort Lupton 1,191 0%
Fort Morgan 1,214 2%
Frederick 1,132 -5%
Golden 1,235 4%
Granby 1,154 -3%
Grand Junction 1,077 -9%
Greeley 1,075 -9%
Greenwood Village 1,198 1%
Gunnison 1,125 -5%
Highlands Ranch 1,136 -4%
Holyoke 1,245 5%
Johnstown 1,070 -10%
Julesburg 1,248 5%
La Junta 1,258 6%
Lafayette 1,087 -8%
Lakewood 1,254 6%
Lamar 1,278 8%
LaPorte 1,046 -12%
Las Animas 1,264 7%
Leadville 1,251 5%
Limon 1,256 6%
Littleton 1,131 -5%
Lone Tree 1,130 -5%
Longmont 1,064 -10%
Loveland 1,026 -13%
Mancos 1,177 -1%
Montrose 1,104 -7%
Monument 1,200 1%
Niwot 1,071 -10%
Pagosa Springs 1,206 2%
Paonia 1,124 -5%
Parker 1,134 -4%
Pueblo 1,369 15%
Saguache 1,158 -2%
Salida 1,135 -4%
Snowmass 1,195 1%
Steamboat Springs 1,163 -2%
Sterling 1,226 3%
Telluride 1,183 0%
Thornton 1,188 0%
Trinidad 1,248 5%
Vail 1,216 2%
Westminster 1,199 1%
Wheat Ridge 1,234 4%
Windsor 1,059 -11%
Woodland Park 1,259 6%

Colorado Minimum Auto Insurance Requirements: http://cdn.colorado.gov/cs/Satellite/DORA-DI/CBON/DORA/1251623076042
Colorado Division of Insurance Complaints: https://www.dora.state.co.us/pls/real/ins_comp_ratio_report.std_report_page