insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Non-owner car insurance in Colorado costs $287 annually, which is $66 lower than the average nationally, according to a 2023 rate analysis from Insure.com.

In Colorado, non-owner policies are available from companies such as Geico, Kemper Insurance and State Farm.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Colorado.

Key Takeaways

  • The average non-owner car insurance cost in Colorado is $24 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in Colorado pays an average of $1,249 for non-owner car insurance, whereas a 25-year-old male pays $323 a year for the same coverage.
  • Auto-Owners offers most affordable rates for non-owner car insurance in Colorado at $68.

How much does non-owner auto insurance cost in Colorado?

Non-owner insurance is usually less expensive than full coverage car insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. Full coverage car insurance is $1,804 in Colorado.

Alternatively, non-owner auto insurance is $353 a year on average in the United States and $287 in Colorado.

But actual rates are based on where in Colorado you live, your age and driving history and other points.

Which insurer offers the cheapest non-owner insurance rates in Colorado?

Auto-Owners offers Colorado’s least expensive non-owner insurance policy at $68 a year.

At $513 a year, Farmers charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Colorado

CompanyAverage annual premium
Auto-Owners$68
USAA$113
Geico$144
Kemper Insurance$217
State Farm$240

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Colorado by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Colorado, a 45-year-old will pay an average of $285 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,187.

Average non-owner auto insurance rates in Colorado by age and gender

AgeMaleFemale
16$1,249$1,124
17$1,042$941
18$834$762
19$572$525
20$522$478
21$392$375
22$372$357
23$354$341
24$341$332
25$323$338
30$300$302
35$291$296
40$287$295
45$282$288
50$278$278
55$274$271
60$277$270
65$292$283
70$312$301
75$358$334

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

Which Colorado cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

Below are the cheapest and most expensive cities for non-owner car insurance in Colorado.

The 20 Colorado cities with the lowest non-owner car insurance rates

Cities in ColoradoLowest non-owner car insurance rates
Naturita$232
Nucla$232
Redvale$232
Paradox$233
Cimarron$234
Montrose$234
Bedrock$235
Delta$235
Olathe$236
Cedaredge$238
Paonia$238
Eckert$239
Powderhorn$239
Crawford$240
Hotchkiss$240
Silt$240
Lazear$241
Mack$241
Collbran$242
Fruita$242

The 20 Colorado cities with the highest non-owner auto insurance rates

Cities in ColoradoHighest non-owner car insurance rates
Aurora$364
Englewood$360
Lakewood$345
Cherry Creek$343
Watkins$343
Denver$341
Wheat Ridge$341
Littleton$336
Avoca$335
Centennial$334
Berkley$334
Cimarron Hills$332
Commerce City$332
Columbine$332
Thornton$330
Highlands Ranch$328
Colorado Springs$327
Indian Hills$327
Pueblo$326
Westminster$325

How much is non-owner car insurance in Colorado’s 10 biggest cities?

The largest cities in Colorado have varying non-owner insurance rates. The cost of non-owner insurance in Aurora is the most expensive at $364. Fort Collins has the cheapest prices of the state’s largest cities at $280.

Non-owner auto rates in Colorado’s 10 largest cities

10 largest cities in ColoradoNon-owner car rates
Aurora$364
Lakewood$345
Denver$341
Thornton$330
Colorado Springs$327
Pueblo$326
Westminster$325
Arvada$323
Greeley$284
Fort Collins$280

How non-owner insurance rates in Colorado compare to rates in other states

Non-owner car insurance rates also differ from state to state. Colorado’s average non-owner insurance rate is $287 a year, lower than the $353 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

StateAverage annual premium
California$323
Florida$671
Georgia$373
Illinois$286
Michigan$574
New York$578
North Carolina$989
Ohio$198
Pennsylvania$216
Texas$408
National Average$353

How to get non-owner car insurance in Colorado

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

  1. Contact an auto insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Here are a few insurance companies with contact numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • Geico: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033
  • USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

How much is car insurance in other states

Alabama$364/Year
Alaska$233/Year
Arizona$325/Year
Arkansas$232/Year
California$323/Year
Connecticut$422/Year
Delaware$720/Year
Florida$671/Year
Georgia$373/Year
Hawaii$407/Year
Idaho$190/Year
Illinois$286/Year
Indiana$263/Year
Iowa$193/Year
Kansas$255/Year
Kentucky$484/Year
Louisiana$366/Year
Maine$235/Year
Maryland$285/Year
Massachusetts$449/Year
Michigan$574/Year
Minnesota$257/Year
Mississippi$302/Year
Missouri$315/Year
Montana$230/Year
Nebraska$187/Year
Nevada$414/Year
New Hampshire$246/Year
New Jersey$993/Year
New Mexico$289/Year
New York$578/Year
North Dakota$220/Year
Ohio$198/Year
Oklahoma$168/Year
Oregon$450/Year
Pennsylvania$216/Year
Rhode Island$476/Year
South Dakota$170/Year
Tennessee$251/Year
Texas$408/Year
Utah$436/Year
Vermont$266/Year
Virginia$297/Year
Washington$270/Year
West Virginia$293/Year
Wisconsin$248/Year
Wyoming$216/Year
Show more
author image
Leslie Kasperowicz
Managing Editor

 
  

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.

ZIP Code Please enter valid ZIP