american english National : $ 300 per year

Geico : $ 423 per year

grange : $ 471 per year

state farm : $ 518 per class


Safeco : $ 524 per class

Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
 

Best Cities for Cheap Car Insurance in Colorado

 

City Premium Percent Increase
Montrose $834 0.0%
Grand Junction $868 4.1%
Durango $923 10.7%
Greeley $980 17.5%
Loveland $981 17.7%
Fort Collins $985 18.2%
Canon City $990 18.8%
Castle Rock $1,085 30.1%
Longmont $1,094 31.2%
Boulder $1,097 31.6%
Louisville $1,100 31.9%
Lafayette $1,104 32.4%
Evergreen $1,126 35.0%
Broomfield $1,137 36.4%
Peyton $1,160 39.2%
Parker $1,162 39.4%
Golden $1,169 40.2%
Brighton $1,174 40.8%
Littleton $1,176 41.1%
Arvada $1,177 41.2%
Westminster $1,192 42.9%
Fountain $1,220 46.3%
Colorado Springs $1,229 47.5%
Wheat Ridge $1,246 49.5%
Englewood $1,251 50.0%
Commerce City $1,271 52.5%
Pueblo $1,271 52.5%
Thornton $1,293 55.1%
Denver $1,364 63.6%
Aurora $1,373 64.7%

 

Factors That Affect Car Insurance Premiums in Colorado

Cheapest Car Insurance in Colorado

  • American National: $40 per month
  • Geico: $52 per month
  • USAA: $58 per month
  • Grange: $65 per month
  • Esurance: $68 per month
  • State Farm: $68 per month    

Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.

6 Tips for How to Get Cheap Car Insurance in

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Colorado, regional insurers like The Hartford and Safeco might have lower rates than national companies like State Farm, Allstate, and American Family and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Colorado

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even 
 

4. Choose coverage that is right for you

You need

Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
 

5. Search for discounts

Top car insurance companies in Colorado have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

6. Stay in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Colorado. On average, drivers in the
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
 

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan

Below are additional details regarding the terminology and specific characteristics of the variables in the above table:

  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability, as required by Colorado’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Colorado insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of brassy car policy companies in Colorado is based on data from the Colorado DMV and Quadrant Information Services. in concert with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car policy companies for Colorado drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Colorado car indemnity companies by averaging premiums from 37 slide fastener codes that represent at least 20 % of Colorado ‘s population. Military-specific companies like USAA were only considered for the military-specific class, ascribable to their eligibility restrictions. In some cases, they may even be the best choice overall for eligible drivers.In the postpone below, you can see all of the profile characteristics that were used in WalletHub ’ s analysis, in accession to the particular subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Colorado policy quotes across 40 unlike driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. individual rates will be unlike. Don ’ thymine forget to include local insurance companies in your search for bum car indemnity. In Colorado, regional insurers like The Hartford and Safeco might have lower rates than national companies like State Farm, Allstate, and American Family and have comparable customer atonement ratings.Everyone knows that your driving habits and claims history affect how much you pay for car indemnity. But in Colorado, companies can besides consider your old age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your master all impact the monetary value of insurance.You ’ ll see higher rates if you let your insurance lapse, even if you don ’ deoxythymidine monophosphate own a car. Colorado drivers who don ’ metric ton maintain continuous coverage pay an average of 15 % more than those with five or more years of indemnity history.You need indebtedness insurance to pay for the other driver ’ mho damages if you ’ re at fault in an accident in Colorado. Collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better equip than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.Don ’ metric ton stint on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car policy than you need.Top car indemnity companies in Colorado have a variety of discounts, sol about anyone can find ways to save. You may be able to get a deduction if you ’ re a student, veteran, well driver, homeowner, willing to go paperless, and more.Car policy prices can vary a bunch based on energy code in Colorado. On average, drivers in the most expensive parts of Colorado spend over $ 800 more per year on entire coverage cable car policy than those living in the least expensive areas .

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