Cheapest Car Insurance Quotes in Colorado (2026)
State Farm has the best cheap car insurance in Colorado, at $162 per month for full coverage. That's $79 per month less than the state average.
Find Cheap Auto Insurance Quotes in Colorado
Best cheap car insurance in Colorado
Best and cheapest car insurance in Colorado
- Cheapest full coverage: Geico, $196/mo
- Cheapest minimum liability: Geico, $66/mo
- Cheapest for young drivers: Geico, $195/mo
- Cheapest after a ticket: State Farm, $252/mo
- Cheapest after an accident: State Farm, $270/mo
- Cheapest for teens after a ticket: Geico, $248/mo
- Cheapest after a DUI: Geico, $348/mo
- Cheapest for poor credit: Geico, $288/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.
Cheapest car insurance quotes in Colorado: Geico
Geico and USAA have the cheapest full coverage car insurance in Colorado.
Find Cheap Auto Insurance Quotes in Colorado
- Geico has the cheapest rates for most Colorado drivers, at $196 per month for full coverage. That's 35% cheaper than the Colorado average.
- American Family and State Farm also have affordable full coverage rates, each at $235 per month, with better customer service than Geico. You should compare quotes from both companies, as either could have the cheapest rate for you.
- 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 $172 per month, which is the cheapest rate in Colorado overall. However, only drivers with military ties can get insurance from USAA.
Cheapest full coverage car insurance in Colorado
Company | Monthly rate | |
|---|---|---|
| Geico | $196 |
| American Family | $235 |
| State Farm | $235 |
| Progressive | $333 |
| Nationwide | $365 |
*USAA is only available to current and former military members and their families.
Data-powered research on Colorado car insurance
| Data-powered research on CO car insurance |
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Cheapest liability insurance in Colorado: Geico
Geico has the best cheap liability insurance in Colorado, at $66 per month.
That's $26 per month cheaper than the Colorado state average of $92. Progressive, American Family and State Farm also offer rates less than $80 per month for liability insurance. They all have better customer service than Geico, too.
Best cheap liability car insurance in CO
Company | Monthly rate | |
|---|---|---|
| Geico | Geico | $66 |
| Progressive | Progressive | $73 |
| American Family | American Family | $74 |
| State Farm | State Farm | $74 |
| Nationwide | Nationwide | $111 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Colorado
Cheap Colorado insurance rates for teens: Geico
Geico has the cheapest car insurance for young drivers in Colorado.
Liability-only car insurance from State Farm costs $195 per month for an 18-year-old driver. That's $128 per month less than the Colorado average.
Geico's full coverage insurance costs $506 per month, which is $376 per month cheaper than the state average.
Colorado auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $195 | $506 |
| American Family | $235 | $669 |
| State Farm | $257 | $674 |
| Progressive | $342 | $1,211 |
| Allstate | $387 | $737 |
*USAA is only available to current and former military members and their families.
Minimum coverage in Colorado costs an average of $322 per month for an 18-year-old driver. That's $230 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, 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.
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 $252 per month. That's $134 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 |
| Progressive | $450 |
*USAA is only available to current and former military members and their families.
On average, full coverage rates go up by $85 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 after an accident. Full coverage from State Farm costs $270 per month, which is 41% 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 | $494 |
| Allstate | $568 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Colorado go up by an average of 51% after an accident. That's an average increase of $154 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.
Cheapest quotes in CO for teens after a ticket or accident: Geico
Geico has the cheapest quotes for teens with a recent speeding ticket on their records. Liability-only coverage from State Farm costs around $248 per month for an 18-year-old with a traffic ticket. That's $130 per month cheaper than the state average.
State Farm is the cheapest option for young drivers after an accident. At $311 per month for liability coverage, State Farm is $133 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 | $283 | $311 |
| Progressive | $372 | $394 |
| Allstate | $447 | $708 |
*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 17% for young drivers after a speeding ticket and 38% 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. Full coverage from Geico costs an average of $348 per month. That's less than the average rate after a DUI in Colorado by $158 per month.
Most affordable CO car insurance after a DUI
Company | Monthly rate |
|---|---|
| Geico | $348 |
| Progressive | $401 |
| American Family | $411 |
| Allstate | $487 |
| State Farm | $498 |
*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 68% after a DUI. That's an average increase of $205 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 $295 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 | $288 |
| American Family | $400 |
| Nationwide | $554 |
| Progressive | $565 |
| Allstate | $615 |
*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 $283 per month more for full coverage than drivers with a good credit score.
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 $334 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 $217 per month.
Colorado average car insurance rates 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 18% 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
What's the cheapest car insurance in Colorado?
How much is a full coverage insurance policy in Colorado?
The average cost of full coverage auto insurance in Colorado is $301 per month. That's $66 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 $258 per month for a full coverage policy. That's 9% less than the state average. In comparison, car insurance in Colorado Springs costs around $316 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 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; $100,000 per accident
- Property damage liability: $50,000 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.
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
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.
