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Cheap car insurance in Colorado
How to get the best auto insurance in Colorado
Colorado
Car insurance quick facts
25/50/15
Minimum liability requirements
$1450
Average annual car insurance cost
30
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Colorado auto insurance providers
Most popular Colorado auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| State Farm | $922,812 | 18.3% |
| Progressive | $551,300 | 10.9% |
| USAA | $529,385 | 10.5% |
| Geico | $491,025 | 9.8% |
| Allstate | $444,700 | 8.8% |
| American Family | $404,893 | 8.0% |
| Liberty Mutual | $364,933 | 7.2% |
| Farmers | $335,417 | 6.7% |
| Travelers | $160,154 | 3.2% |
| Nationwide | $91,776 | 1.8% |
Average car insurance costs for drivers in Colorado
In Colorado the average annual cost for auto insurance ranges from $1,200-1,450 — and you can probably expect to pay a price somewhere in that range. However, because costs tend to vary so much between insurance providers and individual drivers, you could just as easily fall outside that range.
Which city has the cheapest car insurance in Colorado?
Of Colorado’s largest cities, Greeley has the cheapest rates and Aurora has the most expensive car insurance rates. Aurora drivers could face rates 10 times more than Greeley drivers.
Car insurance quotes in Aurora
| Company | Annual car insurance rate |
|---|---|
| Allstate | $898 |
| American Family | $1533 |
| Farmers | $252 |
| Metromile | $2570 |
| Esurance | $1269 |
Car insurance quotes in Longmont
| Company | Annual car insurance rate |
|---|---|
| Allstate | $798 |
| American Family | $1116 |
| Farmers | $224 |
| Metromile | $1769 |
| Esurance | $869 |
Car insurance quotes in Parker
| Company | Annual car insurance rate |
|---|---|
| Allstate | $843 |
| American Family | $1243 |
| Farmers | $259 |
| Metromile | $1959 |
| Esurance | $883 |
Car insurance quotes in Denver
| Company | Annual car insurance rate |
|---|---|
| Allstate | $918 |
| American Family | $1961 |
| Farmers | $359 |
| Metromile | $2371 |
| Esurance | $1254 |
Car insurance quotes in Greeley
| Company | Annual car insurance rate |
|---|---|
| Allstate | $684 |
| American Family | $899 |
| Farmers | $221 |
| Metromile | $1719 |
| Esurance | $1029 |
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State minimum requirements in Colorado
In order to drive legally in Colorado you’ll need liability insurance, which includes:
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $15,000 per accident for property damage.
When shopping for car insurance, you’ll sometimes see this written as 25/50/15.
Uninsured motorists coverage protects you if you get into a car accident with someone who is at–fault for the accident but doesn’t carry insurance. Some states require that you carry this type of insurance. Colorado is an opt–out state, so insurance companies are required to offer you uninsured motorist (UM/UIM) coverage, but you can sign a waiver to deny it. In 2008, Colorado expanded their restrictions on insurance companies to also require that they offer UM/UIM coverage in the same amounts that you select for bodily injury liability limits.
Roadside assistance in Michigan
Many insurers offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. Colorado’s mountains are lovely to look at but not always great to drive through. Mountain conditions can make driving a nightmare, especially in winter, when you could find yourself navigating potholes, snow and black ice. Roadside help can get you out of a bad situation faster and without the hassle.
Which cars are most likely to be stolen in Colorado?
Wondering if you should get comprehensive coverage to cover car theft? 15,000 cars are stolen each year in Colorado, compared to 250,000 nationwide. According to a 2018 report by The John Smith Insurance Agency, the most stolen models are typically the most popular in the state, including:
- Honda Civic
- Honda Accord
- Ford F-250
- Ford F-150
- Chevrolet Silverado
- Dodge Ram
- Jeep Cherokee
- Subaru Impreza
- Subaru Legacy
Car insurance for high-risk drivers in Colorado
Can’t get covered with a traditional or affordable provider? If you’ve been denied coverage because you’re considered a high-risk driver, you can still find insurance through the Western Association of Automobile Insurance Plans (WAAIP).
WAAIP assigns you an affordable provider in its network of insurance companies. Any extra risks you pose to the insurer are negated by spreading it out across the network of participating companies.
Can I get SR-22 insurance in Colorado?
You might need an SR-22 in Colorado if you’ve gotten a DUI, lost your license or have too many points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel. You’ll be notified by your state DMV if you’re required to file an SR-22.
Bottom line
Minimum car insurance requirements in Colorado can be affordable if you’re willing to shop around and compare providers, policies, discounts and rates. Plus, given Colorado’s substantial consequences for uninsured drivers, it hardly makes sense to go without auto insurance.
Compare your car insurance options, from costs to regulations to little-known discounts and deals, to find the best insurance for you.
Get the cheapest quotes
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Frequently asked questions about car insurance in Colorado
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