Cheapest Car Insurance Quotes in Colorado (2025)
State Farm has the best cheap car insurance in Colorado, at $162 per month for full coverage.
Find Cheap Auto Insurance Quotes in Colorado
Best cheap car insurance in Colorado
How we chose the top companies
Best and cheapest car insurance in Colorado
- Cheapest full coverage: State Farm, $162/mo
- Cheapest minimum liability: State Farm, $57/mo
- Cheapest for young drivers: State Farm, $198/mo
- Cheapest after a ticket: State Farm, $174/mo
- Cheapest after an accident: State Farm, $186/mo
- Cheapest for teens after a ticket: State Farm, $64/mo State Farm, $218/mo
- Cheapest after a DUI: Progressive, $324/mo
- Cheapest for poor credit: Geico, $280/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, Geico and Auto-Owners all have reliable customer service and cheaper-than-average rates. Progressive also has cheap rates, but its customer service isn't great.
State Farm and Geico offer online quotes, so you can quickly find the best rates for you. However, you'll need to contact an agent to get a quote from Auto-Owners.
Cheapest car insurance quotes in Colorado: State Farm
State Farm has the cheapest full coverage car insurance in Colorado.
Full coverage from State Farm costs around $162 per month. That's $79 per month less than the Colorado average.
Auto-Owners and Geico also have affordable full coverage rates, at $181 and $189 per month, respectively.
Find Cheap Auto Insurance Quotes in Colorado
The average cost of auto insurance in Colorado is $241 per month for a full coverage policy.
That's $66 more expensive than the United States average. This is largely because Colorado has severe weather that damages cars, and many more car thefts than other states.
Cheapest full coverage car insurance in Colorado
Company | Monthly rate | |
|---|---|---|
| State Farm | $162 |
| Auto-Owners | $181 |
| Geico | $189 |
| American Family | $211 |
| Progressive | $214 |
*USAA is only available to current and former military members and their families.
If you or someone in your family is a military member or veteran, you should also get a quote from USAA.
Full coverage from USAA costs an average of $153 per month, which is the cheapest rate in Colorado.
Cheapest liability insurance in Colorado: State Farm
State Farm has the best cheap liability insurance in Colorado, at $57 per month.
That's $23 per month cheaper than the Colorado state average of $81. Progressive, Geico, American Family and Auto-Owners also offer below-average rates for liability insurance.
Best cheap liability car insurance in CO
Company | Monthly rate |
|---|---|
| State Farm | $57 |
| Progressive | $61 |
| Geico | $65 |
| American Family | $65 |
| Auto-Owners | $67 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Colorado
Cheap Colorado insurance for teens: State Farm
State Farm has the cheapest car insurance for young drivers in Colorado.
Liability-only car insurance from State Farm costs $198 per month for an 18-year-old driver. That's $89 per month less than the Colorado average.
State Farm's full coverage insurance costs $467 per month, which is $260 per month cheaper than the state average.
Colorado auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $198 | $467 |
| Geico | $207 | $518 |
| American Family | $208 | $596 |
| Auto-Owners | $259 | $592 |
| Progressive | $291 | $911 |
*USAA is only available to current and former military members and their families.
Minimum coverage in Colorado costs an average of $287 per month for an 18-year-old driver. That's $206 more per month than a 30-year-old driver pays for the same coverage.
The best way for young drivers to save on car insurance is by sharing a policy with their parents. This is typically much cheaper than buying two separate policies.
You can also lower your rates with discounts geared toward young drivers. For example, most companies offer a good student discount to full-time students with a 3.0 GPA or better.
Cheap Colorado auto insurance after a speeding ticket: State Farm
State Farm has the cheapest quotes for drivers with a recent speeding ticket. A full coverage policy from State Farm costs around $174 per month. That's $136 per month cheaper than the state average.
Cheapest car insurance in CO after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $174 |
| Auto-Owners | $188 |
| American Family | $248 |
| Geico | $253 |
| Allstate | $330 |
*USAA is only available to current and former military members and their families.
Cheapest insurance in Colorado after an accident: State Farm
State Farm has the cheapest full coverage insurance after an accident. Full coverage from State Farm costs $186 per month, which is half the state average.
The next-cheapest company, Auto-Owners, costs $115 more per month than State Farm.
Affordable car insurance in Colorado after an accident
Company | Monthly rate |
|---|---|
| State Farm | $186 |
| Auto-Owners | $301 |
| American Family | $312 |
| Geico | $358 |
| Progressive | $384 |
*USAA is only available to current and former military members and their families.
Car insurance companies in Colorado raise rates by an average of 56% after an accident. That's an average increase of $135 per month for full coverage insurance.
There are a number of ways you can lower your insurance rates after an accident.
- Compare rates from multiple companies. The difference between the cheapest and most expensive company in Colorado after an accident is $400 per year. This means you could save a lot of money just by shopping around for the best rate.
- Qualify for discounts. You can typically save quite a bit by bundling your auto insurance with a home or renters policy. Many companies also offer safe driving programs, which track your driving with a phone app or plug-in device. These programs allow you to earn a large discount by practicing safe driving habits, like driving the speed limit.
- Get rid of any coverage you don't need. For example, if you own your car outright, you can consider canceling your comprehensive and collision coverage. These coverages can be costly, but without them, your insurance won't pay for damage to your vehicle after an accident.
Cheapest quotes in CO for teens after a ticket or accident: State Farm
State Farm has the cheapest quotes for teens with a recent speeding ticket on their records. Liability-only coverage from State Farm costs around $218 per month for an 18-year-old with a traffic ticket. That's $115 per month cheaper than the state average.
State Farm is also the cheapest option for young drivers after an accident. At $240 per month for liability coverage, State Farm is $163 per month cheaper than the state average.
Cheap insurance in Colorado for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $218 | $240 |
| American Family | $226 | $306 |
| Geico | $244 | $333 |
| Auto-Owners | $272 | $461 |
| Allstate | $374 | $587 |
*USAA is only available to current and former military members and their families.
Young drivers with a ticket or accident typically pay more for car insurance than those with a clean record. Colorado quotes increase by around 16% for young drivers after a speeding ticket and 40% after an accident.
Don't rush to switch car insurance companies right after a ticket or accident.
Your insurance typically won't go up until your policy renews. As such, you should start comparing quotes a few weeks before your current policy expires.
Cheap auto insurance in Colorado after a DUI: Progressive
Progressive has the cheapest quotes in Colorado for drivers with a recent DUI. Full coverage from Progressive costs an average of $324 per month. That's less than the average rate after a DUI in Colorado by $105 per month.
Most affordable CO car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $324 |
| Geico | $353 |
| American Family | $368 |
| Auto-Owners | $374 |
| State Farm | $377 |
*USAA is only available to current and former military members and their families.
A DUI is a serious driving offense, so it's common to see a large rate increase afterward. On average, car insurance companies in Colorado raise rates by 78% after a DUI. That's an average increase of $188 per month for a full coverage policy.
Best car insurance in CO for drivers with poor credit: Geico
Geico has the lowest quotes for Colorado drivers with poor credit, at around $280 per month. That's $192 per month cheaper than the average price of other top companies in Colorado.
Inexpensive car insurance in Colorado if you have poor credit
Company | Monthly rate |
|---|---|
| Geico | $280 |
| American Family | $359 |
| Progressive | $386 |
| Allstate | $503 |
| Nationwide | $511 |
*USAA is only available to current and former military members and their families.
A poor credit score doesn't mean you're a bad driver. However, insurance companies see it as a sign that you're more likely to file a claim. As a result, drivers in Colorado with poor credit pay $231 per month more for full coverage than drivers with a good credit score.
Best car insurance in Colorado
State Farm has the best-rated car insurance for most people in Colorado.
State Farm has affordable quotes, dependable customer service and useful coverage options.
Top auto insurance companies in Colorado
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A |
Drivers with military ties can find the best car insurance at USAA. However, USAA only sells policies to people in the military, veterans and their families.
Average car insurance cost in Colorado by city
Glendale, a suburb of Denver, is the most expensive city for car insurance in Colorado.
Full coverage quotes in Glendale cost an average of $268 per month. That could be because Glendale has more property crime than an average Colorado town.
Fruita, a small desert town near Grand Junction, has the cheapest rates in Colorado, at $174 per month.
Colorado car insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Acres Green | $238 | 6% |
| Agate | $250 | 12% |
| Aguilar | $233 | 4% |
| Air Force Academy | $239 | 7% |
| Akron | $248 | 11% |
Location is just one factor that affects auto insurance quotes. Rates are typically more expensive in areas that have more car accidents and thefts or severe weather.
Rates are also usually more expensive in big cities. Car insurance in Denver, the state capital and the biggest city in Colorado, is 19% more expensive than the state average.
Colorado auto insurance minimums
All drivers in Colorado must have liability insurance to pay for damage caused in an accident. Policies must have limits of at least 25/50/15.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
Colorado drivers can buy more coverage than the state requirement. Options include coverage for uninsured motorists, medical payments, collision and comprehensive.
What's the best car insurance coverage for Colorado drivers?
Full coverage insurance is the best choice for most Colorado drivers.
Frequently asked questions
How much is a full coverage insurance policy in Colorado?
In Colorado, full coverage car insurance costs an average of $241 per month. State Farm offers the cheapest full coverage rates in Colorado, at $162 per month.
What's the cheapest car insurance in Colorado?
State Farm has the cheapest insurance for most drivers in Colorado. Liability coverage costs $57 per month, and full coverage costs $162 per month. USAA has even better rates, but only military members, veterans and their families are eligible.
How much is car insurance in Fort Collins, CO?
Fort Collins car insurance costs an average of $204 per month for a full coverage policy. That's $39 per month less than the state average. In comparison, car insurance in Colorado Springs costs around $248 per month.
Does Colorado have high car insurance rates?
Yes, Colorado car insurance rates are high compared to the rest of the country. Colorado is the fifth-most expensive state for full coverage and the 16th-most expensive state for a minimum liability coverage policy. Colorado car insurance quotes are expensive because of the state's extreme weather conditions, high auto theft rates and fast-growing population that puts residents at greater risk for accidents.
Who has the best auto insurance in Colorado?
The top insurance companies in Colorado are USAA and State Farm. These companies consistently get positive reviews for their claims processes and have reputations for dependable customer service.
Methodology
ValuePenguin experts collected thousands of quotes from all ZIP codes across Colorado. Rates are for a 30-year-old single man with good credit and no prior insurance claims. He owns a 2015 Honda Civic EX.
Full coverage insurance includes comprehensive and collision coverage and higher liability coverage limits than state minimums.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured or underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.