Cheap Car Insurance in Colorado 2019
Average Colorado auto insurance premiums by company
| Company
(click to see reviews) | Average annual premium in Colorado |
|---|---|
| The Hartford | $1,517 |
| Travelers Insurance | $1,542 |
| AAA Insurance/Auto Club | $1,549 |
| Dairyland Insurance | $1,587 |
| American Family Insurance | $1,588 |
| State Farm | $1,635 |
| Nationwide Insurance | $1,721 |
| Esurance | $1,727 |
| Liberty Mutual | $1,746 |
| USAA | $1,754 |
| Allstate | $1,764 |
| Safeco | $1,767 |
| Farmers Insurance | $1,843 |
| Progressive Insurance | $1,845 |
| The General | $1,864 |
Insurance increase after a speeding ticket
Colorado drivers with a speeding ticket pay 26% more than drivers with a clean record, the same as the national average.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Colorado | $1,694/year | $2,130/year | 26% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Colorado drivers who caused an accident pay 32% more than those with a clean record, which is lower than the national average increase.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Colorado | $1,694/year | $2,235/year | 32% |
| Nationwide average | 36% | ||
Average car insurance premiums in Colorado cities
| City | Average annual premium |
|---|---|
| Arvada | $1,780 |
| Aurora | $1,819 |
| Boulder | $1,582 |
| Brighton | $1,683 |
| Broomfield | $1,549 |
| Castle Rock | $1,754 |
| Colorado Springs | $1,759 |
| Denver | $1,743 |
| Englewood | $1,657 |
| Fort Collins | $1,455 |
| Golden | $1,661 |
| Grand Junction | $1,495 |
| Greeley | $1,495 |
| Littleton | $1,740 |
| Longmont | $1,527 |
| Loveland | $1,496 |
| Parker | $1,837 |
| Pueblo | $1,777 |
| Westminster | $1,795 |
You must show your insurance ID card (or other proof of financial responsibility) in Colorado when:
- Law enforcement requests it
- You renew vehicle registration
- Your car is involved in an accident
Penalties for not having auto insurance in Colorado
- First offense: A minimum of a $500 fine
- Second offense within five years: $1,000 fee; potential imprisonment; potential minimum of 40 hours of community service
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 22, 2019