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 has the cheapest average premium in Colorado, coming in at $2,249 per year – about $973 compared to the state average.
For drivers with an at-fault accident on their record, Kemper offers the lowest rates, with annual costs averaging $3,414.
The 81521 ZIP code is the least expensive area in Colorado for car insurance, with an average yearly premium of $2,394.

Low-cost car insurance companies in Colorado

GEICO offers the lowest car insurance rates in Colorado, with an average annual premium of $2,249 per year. It’s $973 less expensive than the average car insurance cost in Colorado. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

In Colorado, drivers living in the 81521 ZIP code enjoy the lowest average annual premium at $2,394. Check the table below to see which other ZIP codes in the state have more affordable rates.

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

Just one speeding ticket in Colorado can raise your rates by 43% – $1,381 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Kemper is the lowest-cost option for these drivers, with an average annual premium of $3,414.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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 often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Colorado keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

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

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Colorado, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance 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 violation 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.