Non-owner auto insurance in Colorado: Which company has the cheapest rates?

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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.

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

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

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.

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

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

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

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

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.

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Leslie Kasperowicz

Managing Editor

 

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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.