Home Car insurance Non-owner car insurance Non-owner auto insurance in Colorado Non-owner auto insurance in Colorado: Which company has the cheapest rates? The best non-owner insurance rates in Colorado are available from Auto-Owners and USAA. View Carriers Please enter valid zip Compare top carriers in your area Written by Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. Reviewed by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. Updated on: September 28, 2023 Why you can trust Insure.com 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 TakeawaysThe 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. You might find interesting The best, cheapest car insurance in ColoradoCheapest car insurance in ColoradoColorado car insurance calculatorCheapest SR-22 insurance in ColoradoBest and cheapest companies for home and auto bundles in Colorado 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 ColoradoCompanyAverage annual premiumAuto-Owners$68USAA$113Geico$144Kemper Insurance$217State Farm$240Note 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 genderAgeMaleFemale16$1,249$1,12417$1,042$94118$834$76219$572$52520$522$47821$392$37522$372$35723$354$34124$341$33225$323$33830$300$30235$291$29640$287$29545$282$28850$278$27855$274$27160$277$27065$292$28370$312$30175$358$334Auto 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 cityAuroraColorado SpringsDenverFort CollinsLakewoodWhich 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 ratesCities in ColoradoLowest non-owner car insurance ratesNaturita$232Nucla$232Redvale$232Paradox$233Cimarron$234Montrose$234Bedrock$235Delta$235Olathe$236Cedaredge$238Paonia$238Eckert$239Powderhorn$239Crawford$240Hotchkiss$240Silt$240Lazear$241Mack$241Collbran$242Fruita$242The 20 Colorado cities with the highest non-owner auto insurance ratesCities in ColoradoHighest non-owner car insurance ratesAurora$364Englewood$360Lakewood$345Cherry Creek$343Watkins$343Denver$341Wheat Ridge$341Littleton$336Avoca$335Centennial$334Berkley$334Cimarron Hills$332Commerce City$332Columbine$332Thornton$330Highlands Ranch$328Colorado Springs$327Indian Hills$327Pueblo$326Westminster$325How 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 cities10 largest cities in ColoradoNon-owner car ratesAurora$364Lakewood$345Denver$341Thornton$330Colorado Springs$327Pueblo$326Westminster$325Arvada$323Greeley$284Fort Collins$280How non-owner insurance rates in Colorado compare to rates in other statesNon-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 statesStateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353How to get non-owner car insurance in ColoradoYour 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:Contact an auto insurance agent about the coverageSupply your basic driving historyReview the information you receive on the insurers and ratesChoose the policy that best meets your needsPut down a payment to begin coverageOften, 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: 800-782-8332Geico: 800-207-7847Progressive: 888-671-4405Allstate: 800-726-6033USAA: 800-531-8722MethodologyInsure.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. Explore other insurance options in Colorado Average car insurance cost in Colorado Average renters insurance cost in Colorado Average homeowners insurance cost in Colorado How much is car insurance in other statesAlabama$364/YearAlaska$233/YearArizona$325/YearArkansas$232/YearCalifornia$323/YearConnecticut$422/YearDelaware$720/YearFlorida$671/YearGeorgia$373/YearHawaii$407/YearIdaho$190/YearIllinois$286/YearIndiana$263/YearIowa$193/YearKansas$255/YearKentucky$484/YearLouisiana$366/YearMaine$235/YearMaryland$285/YearMassachusetts$449/YearMichigan$574/YearMinnesota$257/YearMississippi$302/YearMissouri$315/YearMontana$230/YearNebraska$187/YearNevada$414/YearNew Hampshire$246/YearNew Jersey$993/YearNew Mexico$289/YearNew York$578/YearNorth Carolina$989/YearNorth Dakota$220/YearOhio$198/YearOklahoma$168/YearOregon$450/YearPennsylvania$216/YearRhode Island$476/YearSouth Carolina$435/YearSouth Dakota$170/YearTennessee$251/YearTexas$408/YearUtah$436/YearVermont$266/YearVirginia$297/YearWashington$270/YearWest Virginia$293/YearWisconsin$248/YearWyoming$216/YearShow moreLeslie KasperowiczManaging 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. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does non-owner auto insurance cost in Colorado?Which insurer offers the cheapest non-owner insurance rates in Colorado?How much is non-owner car insurance in Colorado by age?Which Colorado cities have the cheapest non-owner car insurance?How much is non-owner car insurance in Colorado's 10 biggest cities?How non-owner insurance rates in Colorado compare to rates in other statesHow to get non-owner car insurance in Colorado ZIP Code Please enter valid ZIP See rates