Low-cost car insurance in Colorado

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In Colorado, GEICO offers the cheapest average premium at $2,249 per year. For comparison, the statewide average monthly cost is $268, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Colorado, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

GEICO offers the lowest car insurance rates in Colorado, at $2,249 per year, which is about $973 the state average.
Kemper has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $3,414.
The ZIP code 81521 has the low-cost car insurance rates in Colorado, at an average annual rate of $2,394.

Low-cost car insurance companies in Colorado

Among all insurers in Colorado, GEICO comes in lowest at $2,249 per year – $973 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Colorado.

Company	Average annual rates
GEICO	$2,249
Kemper	$2,486
Auto-Owners	$2,725
Progressive	$3,045
Southern Farm Bureau	$3,298
Farmers	$3,615
Allstate	$3,970
Acuity Insurance	$4,214
State Farm	$4,435
USAA*	$2,201

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Colorado

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Colorado

Drivers in the 81521 ZIP code pay the lowest average annual premium in Colorado, at $2,394. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
81521	Fruita	$2,394
81505	Grand Junction	$2,398
81507	Redlands	$2,414
81503	Orchard Mesa	$2,424
81506	Grand Junction	$2,427
81524	Loma	$2,431
81501	Grand Junction	$2,434
81504	Grand Junction	$2,440
81520	Clifton	$2,447
81523	Glade Park	$2,457

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Colorado by city

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Low-cost car insurance in Colorado by age

Teenagers pay significantly more for car insurance than adults in Colorado. For instance, a 16-year-old driver pays $9,734 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Colorado.

Age group	Full coverage annual premiums
Teens (16-19)	$10,097
Young Adults (20-24)	$4,846
Adults (25-60)	$3,235
Seniors (65-75)	$3,147

Low-cost car insurance in Colorado by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Colorado

A single speeding ticket in Colorado can push your rates up by 43%, or about $1,381. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$2,725	$3,109	14%	$384
Kemper	$2,486	$3,350	35%	$864
GEICO	$2,249	$3,839	71%	$1,590
Progressive	$3,045	$4,033	32%	$988
Allstate	$3,970	$4,293	8%	$323
State Farm	$4,435	$4,733	7%	$298
Farmers	$3,615	$6,114	69%	$2,499
USAA*	$2,201	$2,740	25%	$540

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Colorado

Kemper offers the lowest car insurance rates to drivers after an at-fault accident at $3,414 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Kemper	$2,486	$3,414	37%	$928
Auto-Owners	$2,725	$3,781	39%	$1,056
GEICO	$2,249	$3,934	75%	$1,685
Progressive	$3,045	$4,830	59%	$1,785
State Farm	$4,435	$5,057	14%	$622
Farmers	$3,615	$5,557	54%	$1,942
Allstate	$3,970	$5,655	42%	$1,685
USAA*	$2,201	$3,200	45%	$1,000

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Colorado

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Colorado are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$3,045	$3,745	$700	23%
GEICO	$2,249	$4,412	$2,163	96%
Auto-Owners	$2,725	$4,418	$1,692	62%
State Farm	$4,435	$4,733	$298	7%
Allstate	$3,970	$4,958	$988	25%
Kemper	$2,486	$5,523	$3,037	122%
Farmers	$3,615	$7,067	$3,451	95%
USAA*	$2,201	$4,608	$2,407	109%

*USAA is only available to military community members and their families.

Average cost of car insurance Colorado

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Colorado, the average cost of full coverage is $709 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Colorado, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Colorado.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Colorado. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.