Cheapest Car Insurance Quotes in Colorado (2026)
Geico has the best cheap car insurance in Colorado, at $196 per month for full coverage.
Find Cheap Car Insurance Quotes in Colorado
Best cheap car insurance in CO
Geico and State Farm are the cheapest companies for most people in Colorado.
- Want full coverage? Geico: $196/mo
- Only need minimum coverage? Geico: $66/mo
- Want the best service? State Farm: $236/mo
- Have a speeding ticket? State Farm: $252/mo
- Caused an accident? State Farm: $270/mo
- Need coverage for a teen? Geico: $195/mo
- Got a DUI? Geico: $348/mo
- Have poor credit? Geico: $288/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance quotes in Colorado: Geico
Geico and USAA have the cheapest full coverage car insurance in Colorado.
- Geico has the cheapest rates for most Colorado drivers, at $196 per month for full coverage. That's 28% cheaper than the Colorado average.
- American Family and State Farm also have affordable full coverage rates, at around $235 per month. Both companies have better customer service than Geico, so either could be a better choice if you can afford to pay more for reliable service.
- USAA has the cheapest full coverage rates in Colorado overall, at $172 per month. However, only drivers with military ties can get insurance from USAA.
Find Cheap Car Insurance Quotes in Colorado
Cheapest full coverage car insurance in Colorado
Company | Monthly rate |
|---|---|
| Geico | $196 |
| American Family | $235 |
| State Farm | $236 |
| Progressive | $334 |
| USAA* | $172 |
*USAA is only available to current and former military members and their families.
Data-powered research on Colorado car insurance
Cheapest liability insurance in Colorado: Geico
- Geico has the best cheap liability insurance in Colorado, at $66 per month. That's $18 per month cheaper than the Colorado state average of $84.
- American Family and State Farm also offer rates less than $80 per month for liability insurance. They have better customer service than Geico, too.
Best cheap liability car insurance in CO
Company | Monthly rate |
|---|---|
| Geico | $66 |
| Progressive | $74 |
| State Farm | $74 |
| American Family | $74 |
| USAA* | $44 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Colorado
Average car insurance cost in Colorado by city
- Geico has the cheapest full coverage insurance in 77% of cities and towns across Colorado, including Denver and Colorado Springs. American Family has the cheapest rates in 21% of Colorado cities, and State Farm is the most affordable in 2%.
- Aurora, a suburb of Denver, is the most expensive city for car insurance in Colorado. Full coverage quotes in Aurora cost an average of $307 per month. That could be because Aurora has more property crime than an average Colorado town.
- Clifton, a small desert town near Grand Junction, has the cheapest rates in Colorado, at $200 per month.
Cheapest full coverage rates in Colorado by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Denver | $302 | Geico | $211 |
| Colorado Springs | $286 | Geico | $223 |
| Aurora | $307 | Geico | $215 |
| Fort Collins | $236 | Geico | $173 |
| Lakewood | $281 | Geico | $202 |
| Thornton | $274 | Geico | $189 |
| Arvada | $263 | Geico | $188 |
| Westminster | $265 | Geico | $186 |
| Greeley | $242 | Geico | $172 |
| Pueblo | $295 | Geico | $205 |
| Centennial | $281 | Geico | $197 |
| Boulder | $245 | Geico | $168 |
| Longmont | $244 | Geico | $174 |
| Loveland | $234 | Geico | $167 |
| Broomfield | $254 | Geico | $185 |
| Grand Junction | $202 | Geico | $140 |
| Littleton | $272 | Geico | $184 |
| Brighton | $267 | Geico | $179 |
| Northglenn | $271 | Geico | $185 |
| Englewood | $285 | Geico | $203 |
| Wheat Ridge | $275 | Geico | $196 |
| Lafayette | $244 | Geico | $173 |
| Fountain | $280 | Geico | $227 |
| Evans | $246 | Geico | $166 |
| Montrose | $212 | Geico | $134 |
| Louisville | $243 | Geico | $167 |
| Golden | $266 | Geico | $199 |
| Acres Green | $277 | Geico | $204 |
| Agate | $290 | Geico | $206 |
| Aguilar | $263 | American Family | $209 |
| Air Force Academy | $277 | American Family | $219 |
| Akron | $272 | American Family | $220 |
| Alamosa | $252 | Geico | $164 |
| Alamosa East | $237 | Geico | $164 |
| Allenspark | $254 | Geico | $178 |
| Alma | $260 | Geico | $186 |
| Almont | $235 | Geico | $186 |
| Amherst | $273 | American Family | $220 |
| Anton | $283 | Geico | $200 |
| Antonito | $235 | Geico | $164 |
| Applewood | $268 | Geico | $201 |
| Arapahoe | $276 | American Family | $208 |
| Arlington | $274 | American Family | $208 |
| Arriba | $274 | Geico | $202 |
| Aspen | $245 | Geico | $174 |
| Atwood | $269 | American Family | $220 |
| Ault | $242 | Geico | $173 |
| Austin | $211 | Geico | $146 |
| Avon | $248 | Geico | $174 |
| Avondale | $296 | Geico | $208 |
| Bailey | $273 | Geico | $217 |
| Basalt | $246 | Geico | $174 |
Best car insurance in Colorado: State Farm
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Full coverage rate$236/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Colorado based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Colorado
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap Colorado auto insurance after a speeding ticket: State Farm
State Farm has the cheapest quotes for drivers with a recent speeding ticket in Colorado. A full coverage policy from State Farm costs around $252 per month. That's $91 per month cheaper than the state average.
Cheapest car insurance in CO after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $252 |
| Geico | $275 |
| American Family | $276 |
| Allstate | $405 |
| USAA* | $215 |
*USAA is only available to current and former military members and their families.
On average, full coverage rates go up by $71 per month in Colorado after one speeding ticket.
That's because insurance companies believe drivers who speed are more likely to cause an accident in the future. Additionally, having an accident while speeding results in worse injuries and greater damage, making it more expensive for the insurance company.
Cheapest insurance in Colorado after an accident: State Farm
State Farm has the cheapest full coverage insurance in Colorado after an accident. Full coverage from State Farm costs $270 per month, which is 36% less than the state average.
The next-cheapest company, American Family, costs $79 more per month than State Farm.
Best car insurance rates in Colorado after an accident
Company | Monthly rate |
|---|---|
| State Farm | $270 |
| American Family | $349 |
| Geico | $381 |
| Progressive | $495 |
| USAA* | $244 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Colorado go up by an average of 55% after an accident. That's an average increase of $149 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 $426 per month. This means you could save a lot of money just by shopping around for the best rate.
- Take advantage of 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, such as driving the speed limit or avoiding driving at night.
- Get rid of any coverage you don't need. For example, if you own an older car that doesn't have financing, 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. And you may not need roadside assistance if it's already provided by your credit card company or you have AAA.
Cheap Colorado insurance rates for teens: Geico
Geico has the cheapest car insurance for young drivers in Colorado.
- Liability-only car insurance from Geico costs $195 per month for an 18-year-old driver. That's $91 per month less than the Colorado average.
- Full coverage insurance from Geico costs $506 per month, which is $264 per month cheaper than the state average.
Cheapest Colorado auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $195 | $506 |
| American Family | $235 | $669 |
| State Farm | $254 | $674 |
| Progressive | $344 | $1,216 |
| USAA* | $129 | $422 |
*USAA is only available to current and former military members and their families.
Minimum coverage in Colorado costs an average of $286 per month for an 18-year-old driver. That's $202 more per month than a 30-year-old driver pays for the same coverage.
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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, companies including State Farm, American Family and Geico offer a good student discount to full-time students with a certain GPA or standardized test score.
Cheapest quotes in CO for teens with a bad driving record: Geico and State Farm
- Speeding ticket: Geico has the cheapest quotes for teens with a recent speeding ticket on their record. Liability-only coverage from Geico costs around $248 per month for an 18-year-old with a traffic ticket. That's $82 per month cheaper than the state average.
- Accident: State Farm is the cheapest option for young drivers after an accident. At $308 per month for liability coverage, State Farm is $97 per month cheaper than the state average.
Cheap insurance in Colorado for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $248 | $351 |
| American Family | $255 | $345 |
| State Farm | $280 | $308 |
| Progressive | $374 | $396 |
| USAA* | $209 | $227 |
*USAA is only available to current and former military members and their families.
Young drivers with a ticket or accident almost always pay more for car insurance than those with a clean record. Colorado quotes went up by around 15% for young drivers after a speeding ticket and 42% 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: Geico
Geico has the cheapest quotes in Colorado for drivers with a recent DUI conviction. Full coverage from Geico costs an average of $348 per month. That's less than the average rate after a DUI in Colorado by $133 per month.
Most affordable CO car insurance after a DUI
Company | Monthly rate |
|---|---|
| Geico | $348 |
| Progressive | $403 |
| American Family | $411 |
| Allstate | $487 |
| USAA* | $359 |
*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 77% after a DUI. That's an average increase of $210 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 $288 per month. That's $261 per month cheaper than the average price of the top companies in Colorado.
Inexpensive car insurance in Colorado if you have poor credit
Company | Monthly rate |
|---|---|
| Geico | $288 |
| American Family | $400 |
| Nationwide | $554 |
| Progressive | $567 |
| USAA* | $347 |
*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 $277 per month more for full coverage than drivers with a good credit score.
Is your car insurance company raising rates in Colorado in 2026?
Only one major car insurance company, Farmers, has raised rates in Colorado so far in 2026. However, a handful of companies have lowered their rates across the state.
- ↑ Biggest increase: Farmers at +3.4%
- ↓ Biggest decrease: State Farm at -7.8%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 7.8% | ↑ 37.6% |
| American Family | ↓ 6.0% | ↑ 39.2% |
| Travelers | ↓ 3.0% | ↑ 32.0% |
| USAA | ↓ 1.6% | ↑ 34.5% |
| Allstate | ↓ 0.9% | ↑ 53.3% |
| Liberty Mutual | ↓ 0.3% | ↑ 59.1% |
| Geico | ↓ 0.2% | ↑ 25.9% |
| Progressive | 0.0% | ↑ 5.3% |
| Farmers | ↑ 3.4% | ↑ 43.7% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
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.
In the state of Colorado, driving without car insurance is considered a Class 1 misdemeanor.
If you're convicted of driving uninsured, maximum penalties include a fine of at least $1,000, a driver's license suspension of eight months, one year in jail, 40 hours of community service and four points on your driver’s license.
However, if you act quickly following a no-insurance citation, the court may reduce your fine or even dismiss the charge.
Potential fines and penalties for driving without insurance in ColoradoFirst offense:
- Fine: At least $500
- Driving privileges: Driver's license suspended until you get an insurance policy
- Imprisonment: 10 days to one year in jail
- Reinstatement requirements: $95 fee and an SR-22 certificate for three years
- Driving record: Up to 4 points
- Community service: Up to 40 hours
Second offense:
- Fine: At least $1,000
- Driving privileges: Driver's license, registration and license plates suspended for four months
- Imprisonment: 10 days to one year in jail
- Reinstatement requirements: $95 fee and an SR-22 certificate for three years
- Driving record: Up to 4 points
- Community service: Up to 40 hours
Third and subsequent offenses:
- Fine: At least $1,000
- Driving privileges: Driver's license, registration and license plates suspended for eight months
- Imprisonment: 10 days to one year in jail
- Reinstatement requirements: $95 fee and an SR-22 certificate for three years
- Driving record: Up to 4 points
- Community service: Up to 40 hours
What's the best car insurance coverage for Colorado drivers?
Full coverage insurance is the best choice for most Colorado drivers.
Frequently asked questions
What's the cheapest car insurance in Colorado?
In 2026, Geico has the cheapest auto insurance for most drivers in Colorado. You'll pay an average of $196 per month for a full coverage policy and $66 per month for minimum liability insurance with Geico. USAA has even better rates, but only military members, veterans and their families are eligible.
How much is a full coverage insurance policy in Colorado?
The average cost of full coverage auto insurance in Colorado is $272 per month. That's 31% more expensive than the average rate in the United States. This is largely because Colorado has severe weather that can damage cars, and many more car thefts than other states, according to the FBI.
How much is car insurance in Fort Collins, CO?
Fort Collins car insurance costs an average of $236 per month for a full coverage policy. That's 13% less than the state average. In comparison, car insurance in Colorado Springs costs around $286 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 19th-most expensive state for full coverage. 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 2018 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 and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured or underinsured motorist bodily injury: $50,000 per person and $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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Colorado Division of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
