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Cheap Car Insurance Quotes in Colorado

Enter your Colorado zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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One of the many considerations that determine the amount you pay each year for auto insurance is your zip code in Colorado. Regions with larger populations or more claims like Pueblo, Aurora, and Commerce City tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.

The table below rates the most expensive places in Colorado to purchase car insurance in.

Car insurance prices in Colorado
Rank City Annual Premium
1 Pueblo $1,455
2 Denver $1,397
3 Aurora $1,375
4 Lakewood $1,365
5 Commerce City $1,354
6 Northglenn $1,342
7 Littleton $1,306
8 Westminster $1,284
9 Thornton $1,281
10 Colorado Springs $1,277
11 Arvada $1,269
12 Highlands Ranch $1,267
13 Centennial $1,265
14 Brighton $1,235
15 Castle Rock $1,224
16 Parker $1,220
17 Boulder $1,195
18 Longmont $1,179
19 Broomfield $1,167
20 Grand Junction $1,120
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Premium amounts are estimated as the vehicle garaging location can impact prices substantially.

The vehicle you are insuring is one of the largest considerations that determines whether or not you can buy cheap car insurance quotes in Colorado. Vehicles with lower acceleration and performance, a plethora of safety features, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models.

The lists below outlines coverage costs for the most economical vehicles to insure in Colorado.

Auto Insurance Rates for Popular Cars in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $944 $472 $79
Ford Focus S 4-Dr Sedan $922 $461 $77
Honda Accord LX-S 2-Dr Coupe $1,060 $530 $88
Hyundai Elantra SE 4-Dr Sedan $1,000 $500 $83
Kia Optima EX $1,082 $541 $90
Toyota Camry LE $944 $472 $79
Toyota Corolla XLE $1,000 $500 $83
Volkswagen Jetta 2.0T 4-Dr Sedan $1,022 $511 $85
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in your specific Colorado location which can change auto insurance rates substantially.

Auto Insurance Rates for Popular SUVs and Crossovers in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech/Entertainment 4WD $1,044 $522 $87
BMW X5 3.5D AWD $1,122 $561 $94
Chevrolet Traverse LTZ AWD $896 $448 $75
Ford Escape Limited 2WD $818 $409 $68
Ford Expedition SSV 2WD $818 $409 $68
Ford Explorer Eddie Bauer AWD $966 $483 $81
GMC Acadia SLE 2WD $888 $444 $74
Honda CR-V LX 2WD $796 $398 $66
Honda Fit $766 $383 $64
Honda Pilot EX-L 4WD $966 $483 $81
Jeep Grand Cherokee Limited 4WD $1,022 $511 $85
Subaru Forester X Limited Edition W/Navigation AWD $974 $487 $81
Toyota 4Runner Limited 4WD $974 $487 $81
Toyota Highlander Limited 4WD $1,044 $522 $87
Toyota RAV4 2WD $944 $472 $79
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific garaging location which can raise or lower coverage rates noticeably.

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Auto Insurance Rates for Popular Pickup Trucks in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab 4WD $1,214 $607 $101
Chevrolet Silverado LT Crew Cab 4WD $1,022 $511 $85
Dodge Ram 2500 Mega Cab Laramie 2WD $1,216 $608 $101
Dodge Ram Quad Cab SLT 4WD $1,026 $513 $86
Ford F-150 XLT Crew Cab 2WD $888 $444 $74
Ford F-250 XL Crew Cab Harley Edition 2WD $1,160 $580 $97
GMC Sierra 2500HD SLE Extended Cab 2WD $1,138 $569 $95
GMC Sierra SLE Crew Cab 2WD $944 $472 $79
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $966 $483 $81
Toyota Tundra Limited Crew MAX 4WD $1,104 $552 $92
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in specific Colorado garaging location which can impact premium rates substantially.

Figuring out which companies have the cheapest auto insurance rates in Colorado may require a tad more effort in order to find coverage that fits your budget. Each auto insurance company uses their own method for establishing rates, so we will examine the auto insurance companies with the overall best prices in Colorado.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest Colorado car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $859
2 Grange $949
3 USAA $1,039
4 Nationwide $1,121
5 Travelers $1,171
6 GEICO $1,187
7 Auto-Owners $1,204
8 State Farm $1,259
9 American Family $1,314
10 Progressive $1,322
11 Amica $1,394
12 Allied $1,453
13 California Casualty $1,488
14 Colorado Farm Bureau $1,576
15 Farmers $1,613
16 MetLife $1,830
17 Allstate $2,055
18 Encompass $2,231
19 Safeco $2,547
20 Titan $2,630
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The Hartford may offer some of the most affordable car insurance rates in Colorado at around $859 each year. Grange, USAA, Nationwide, and Travelers also are some of the most economical Colorado car insurance companies.

In this example, if you are a policyholder with Nationwide and switched to The Hartford, you might see an annual savings of around $262. Customers with Travelers could save as much as $312 a year, and GEICO customers might reduce rates by $328 a year.

Understand that those policy rates are averages for all insureds and vehicles and do not take into consideration a price decrease in Colorado. So the insurer that is best suited for you may not even be shown in the list of companies shown earlier. That’s why you need to compare rates from multiple companies using your own individual information.

Enter your zip code below to view companies that have cheap auto insurance rates.

The information below shows how choosing a deductible can impact insurance prices when searching for cheap insurance in Colorado. The prices are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 30-year-old driver could lower their policy premium by $326 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $490 by changing to a $1,000 deductible. Young drivers, like the 20-year-old example, could roll back prices as much as $948 annually by choosing a higher deductible.

If you do decide to increase your deductibles, it will be necessary to have additional savings on hand to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Impact of citations and accidents on insurance rates

In a perfect world, the ideal way to score cheap car insurance quotes in Colorado is to drive safe and avoid accidents and traffic violations. The chart below highlights how speeding tickets and accidents can influence insurance costs for different age categories. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

The data above shows the average cost of a car insurance policy in Colorado per year with no accidents and a clean driving record is $1,578. Factor in two speeding tickets and the average cost hikes up to $2,108, an increase of $530 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance in Colorado jumps again to an average of $4,180. That’s an increase of $2,602, or $217 per month, just for being a less-than-perfect driver!

Discounts on Colorado insurance rates

Save on auto insurance for drivers in ColoradoAuto insurance companies that provide cheap car insurance quotes in Colorado may also provide premium discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. Companies and a selection of discounts are detailed below.

  • American Family policyholders can earn discounts including accident-free, Steer into Savings, defensive driver, good driver, and mySafetyValet.
  • State Farm may include discounts for anti-theft, defensive driving training, multiple policy, safe vehicle, passive restraint, and driver’s education.
  • 21st Century offers discounts including teen driver, anti-lock brakes, air bags, theft prevention, and student driver.
  • Travelers has savings for hybrid/electric vehicle, multi-policy, IntelliDrive, new car, and payment discounts.
  • GEICO has discounts for emergency military deployment, multi-vehicle, anti-theft, multi-policy, military active duty, daytime running lights, and federal employee.

The diagram below shows the comparison of car insurance rates with and without discounts applied. The costs are based on a male driver, no violations or claims, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, accident-free, multiple vehicle, marriage, vehicle safety, and safe-driver discounts applied. When drivers take advantage of discounts, the amount saved on auto insurance in Colorado is 28% or $410.


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