Where to Get the Best Cheap Car Insurance in Colorado (2021)
state farm and USAA are the cheapest car indemnity companies in Colorado, according to QuoteWizard research. State Farm offers Colorado drivers full-coverage car insurance for $ 126 per month, on average, while USAA offers minimum-coverage car indemnity for an modal of $ 65 per month .
Of course, what you pay for car indemnity depends on several factors, including your drive commemorate, your vehicle and your historic period. As a result, Nationwide may be your best option for cheap car policy in Colorado, or it might be GEICO or Allstate .
Keep read to learn more about Colorado ’ south :
How much is car insurance in Colorado?
Minimum-coverage car insurance costs $99 per month in Colorado, on average. Full-coverage car insurance costs an average of $126 per month in the Centennial State.
A full-coverage car policy policy normally includes liability, collision and comprehensive coverages .
- Liability coverage pays for damage and injuries you cause to other people and their property.
- Collision coverage pays to repair or replace your vehicle if it’s damaged or destroyed in an accident.
- Comprehensive coverage pays for damage to your vehicle caused by events like natural disasters, falling objects and theft.
Whether you opt for minimum or full coverage, where you buy a cable car insurance policy much has a big affect on how much it costs. Some companies, like Nationwide, State Farm and USAA, may offer you a agio that is cheaper than the state averages highlighted above. early insurers may charge rates that are more expensive .
Where can I get cheap car insurance in Colorado?
USAA is the best company for cheap liability car insurance in Colorado, with an average monthly premium of $65. This is $ 34 per month less than the average cost of indebtedness coverage in Colorado, which is $ 99 per month .
Nationwide and State Farm besides offer bum liability-only cable car indemnity to Colorado drivers. Both offer an median agio of $ 69 per month, based on our data .
| Company | Average monthly premium | |||
|---|---|---|---|---|
| USAA | $65 | |||
| Nationwide | $69 | |||
| State Farm | $69 | |||
| Farm Bureau | $73 | |||
| Allstate | $86 | |||
| State average | $99 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
State Farm is the best company for cheap full-coverage auto insurance in Colorado, with an average monthly premium of $126. This is $ 57 per month less than the average cost of a full-coverage policy in Colorado, which is $ 183 per calendar month .
USAA and Nationwide offer bum full-coverage policies to drivers in Colorado, besides. USAA ’ s average monthly agio is $ 135, while Nationwide ’ south is $ 145 .
| Company | Average monthly premium | |||
|---|---|---|---|---|
| State Farm | $126 | |||
| USAA | $135 | |||
| Nationwide | $145 | |||
| Allstate | $156 | |||
| Farm Bureau | $158 | |||
| State average | $183 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance rates in Colorado by age
As is true in every state of matter, young drivers pay more for car insurance than older drivers in Colorado. The average 17-year-old driver pays $341 per month for a liability-only car insurance policy. The average 30-year-old driver pays about a fourth of that, or $ 95 per month .
Best car insurance companies in Colorado by age group
If you ’ re a adolescent driver in Colorado and you want the minimal sum of car indemnity the submit requires, USAA and State Farm are your best options for cheap coverage. USAA offered our sample teen driver an average monthly rate of $166 for a state-minimum policy, while State Farm’s average monthly rate was $174.
| Age group | Cheapest company | Runner-up | ||
|---|---|---|---|---|
| Teens | USAA | State Farm | ||
| 20s | GEICO | State Farm | ||
| 30s | State Farm | USAA | ||
| 40+ | State Farm | Farm Bureau | ||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Older drivers may get better and cheaper car indemnity rates from other companies that serve Colorado, according to our analysis. A subject in point : we found that GEICO offers the bum rates to Colorado drivers in their 20s, with an average pace of $ 88 per calendar month for minimum coverage .
| Age group | Cheapest company | Runner-up | ||
|---|---|---|---|---|
| Teens | State Farm | USAA | ||
| 20s | State Farm | GEICO | ||
| 30s | State Farm | Progressive | ||
| 40+ | State Farm | Progressive | ||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
State Farm is your best option for cheap full-coverage car insurance in Colorado, regardless of your age. For example, State Farm offered our sample adolescent driver an average monthly rate of $ 326 for a full-coverage policy, and it offered our sample driver in their 30s an average rate of $ 101 per calendar month.
GEICO, Progressive and USAA besides offer bum full-coverage car insurance to Colorado drivers, thus consider them when shopping for a policy and comparing quotes .
Get cheap auto insurance in Colorado
See how a lot you can save on a raw policy
Where to get cheap car insurance in Colorado for drivers with prior incidents
Age international relations and security network ’ t the only component that impacts how much cable car policy costs. Your drive criminal record plays an important role in determining your premium, excessively. In particular, if you have speeding tickets, at-fault accidents or DUIs on your record, you can expect to pay more for car insurance than you would otherwise .
It is possible to find cheap car indemnity with one or more incidents on your drive record, though — particularly if you get coverage from the following companies .
Cheapest car insurance for drivers with a DUI: State Farm
State Farm is the best insurance company for Colorado drivers who have a DUI on their records. It offered our sample driver an average premium of $ 152 per calendar month for full-coverage car policy after a DUI. This is equitable $ 26 per calendar month more than what it charges Colorado drivers with clean records .
| Company | Monthly premium before DUI | Monthly premium after DUI | Difference | |
|---|---|---|---|---|
| State Farm | $126 | $152 | $26 | |
| Allstate | $156 | $207 | $51 | |
| Farm Bureau | $158 | $212 | $54 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for drivers after an accident: Farm Bureau
Farm Bureau is the cheapest car insurance in Colorado if you have an at-fault accident on your driving record. It offered our sample distribution driver with an accident a full-coverage policy for $ 180 per calendar month, on average. That is only $ 22 more per month than it charges drivers with no accidents or incidents .
| Company | Monthly premium before accident | Monthly premium after accident | Difference | |
|---|---|---|---|---|
| Farm Bureau | $158 | $180 | $22 | |
| State Farm | $126 | $189 | $63 | |
| USAA | $135 | $195 | $60 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for drivers after a speeding ticket: Farm Bureau and State Farm
Farm Bureau and State Farm are the best companies for cheap car insurance in Colorado if you have speeding tickets on your record. Both insurers offered our sample driver a full-coverage policy with an average monthly bounty of $ 165 .
| Company | Monthly premium before accident | Monthly premium after accident | Difference | |
|---|---|---|---|---|
| Farm Bureau | $158 | $165 | $7 | |
| State Farm | $126 | $165 | $39 | |
| USAA | $135 | $170 | $35 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
What are the best car insurance companies in Colorado?
Allstate is the best auto insurance company in Colorado if customer service and satisfaction are as important to you as low rates.
Allstate received a score of 822 in J.D. Power ’ south 2020 U.S. Auto Insurance Satisfaction Study, where the regional average is 832 and higher scores are better than lower ones. It besides earned a score of 0.63 in NAIC ’ mho 2020 Complaint Index. That means customers filed fewer complaints against the company with country regulators than would be expected in the grocery store .
| Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | 2020 NAIC Complaint Index | ||
|---|---|---|---|---|
| Allstate | 822 | 0.63 | ||
| Farm Bureau | N/A | 0.70 | ||
| State Farm | 847 | 0.70 | ||
| USAA | 863 | 0.98 | ||
| Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||||
Auto insurance requirements in Colorado
Colorado requires all vehicle owners to have a minimum of 25/50/15 liability car insurance coverage. This means Colorado drivers must carry at least :
- $25,000 of liability coverage for bodily injury or death to any one person in an accident.
- $50,000 of liability coverage for bodily injury or death to all persons in any one accident.
- $15,000 of liability coverage for property damage in any one accident.
SR-22 insurance in Colorado
If the department of state suspends or revokes your driver ’ randomness license, you may have to file an SR-22 form with the Colorado Division of Motor Vehicles for three to five years after it ’ sulfur reinstated .
An SR-22 proves you have at least the minimum total of cable car indemnity coverage the state requires .
Methodology
QuoteWizard conducted a comprehensive survey of cable car indemnity rates in Colorado using Quadrant Information Services. Unless otherwise stated, the quotes analyzed are for a single, 30-year-old male with a clean driving phonograph record. He operates a 2012 Honda Accord LX with an average annual mileage of 13,500 miles.
Read more: Low Cost Auto Insurance – Atlanta, Georgia
When discussing a full-coverage car policy policy in this article, the driver had the take after limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision and comprehensive deductible
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