Find Affordable Auto Insurance in the Centennial State
Discover how to get cheap car insurance in Colorado without sacrificing coverage. Compare rates, maximize discounts, and protect against Colorado's unique risks while saving money.
Compare average rates from Colorado's most affordable insurers
$1,287/year
Best for: Overall value and discounts
$1,342/year
Best for: Online tools and military
$1,456/year
Best for: High-risk drivers
$1,198/year
Best for: Military families (members only)
$1,523/year
Best for: Bundling options
$1,687/year
Best for: Coverage options
| City | Population | Average Rate | Cheapest Rate | Top Money-Saving Tip |
|---|---|---|---|---|
| Denver | 715,522 | $1,856 | $1,142 | Shop around quarterly |
| Colorado Springs | 498,879 | $1,523 | $987 | Military discounts available |
| Aurora | 386,261 | $1,798 | $1,098 | Urban rates apply |
| Fort Collins | 169,810 | $1,342 | $876 | College town discounts |
| Lakewood | 155,984 | $1,687 | $1,032 | Denver metro rates |
| Boulder | 108,250 | $1,456 | $923 | Green vehicle discounts |
Get affordable protection against Colorado's unique driving hazards
Colorado leads the nation in hail damage claims
Money-Saving Tip:
Comprehensive coverage is essential but shop deductibles carefully
Consider $1,000 deductible to save 20-30% on comprehensive
Steep grades and weather create unique hazards
Money-Saving Tip:
Maintain excellent driving record for best rates
5+ years clean driving can save 40% or more
High deer and elk collision rates
Money-Saving Tip:
Comprehensive covers animal strikes
Rural drivers may qualify for lower base rates
Approximately 13.3% of Colorado drivers are uninsured
Money-Saving Tip:
Add uninsured motorist coverage for protection
UM/UIM coverage typically adds only $50-100/year
Proven strategies to reduce your Colorado auto insurance costs
Raise comprehensive and collision deductibles
Pay based on how much and how well you drive
Combine auto with home or renters insurance
Pay annual premium upfront
Compare rates at every renewal
Better credit means lower rates in Colorado
Find the cheapest rates for your age group
Stay on parent's policy if possible
Good student discounts crucial
Shop around - rates drop significantly
Best rates with clean record
Consider dropping collision on older cars
Defensive driving course discounts
Low mileage discounts often apply
Balance cost and protection with these coverage levels
Pros:
Cons:
Best for: Older paid-off vehicles worth less than $3,000
Pros:
Cons:
Best for: Budget-conscious drivers with some assets to protect
Pros:
Cons:
Best for: Financed vehicles and daily commuters
Pros:
Cons:
Best for: New vehicles and high-value cars
Get answers about finding affordable auto insurance in Colorado
The cheapest car insurance in Colorado typically comes from USAA (for military members) at around $1,198/year, followed by State Farm at $1,287/year. However, rates vary significantly based on your location, driving record, and coverage needs. Denver drivers pay more than rural areas, with some finding rates as low as $542/year for state minimum coverage.
To get cheap car insurance in Colorado with bad credit: compare quotes from companies that weigh credit less heavily (like GEICO), improve your credit score over time, opt for higher deductibles, take defensive driving courses, bundle policies, and consider usage-based insurance programs. Some insurers offer rates 50% lower than others for bad credit drivers.
Colorado requires minimum liability coverage of 25/50/15: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage. While these are legal minimums, experts recommend at least 100/300/100 to adequately protect your assets, plus uninsured motorist coverage.
Full coverage car insurance in Colorado averages $1,876 per year or $156 per month. This includes liability, comprehensive, and collision coverage with typical deductibles of $500. Costs vary by city: Denver averages $2,234, while Fort Collins averages $1,567. Young drivers may pay $3,000+ annually.
Colorado car insurance is expensive due to frequent hail storms (nation's highest hail damage claims), increasing population and traffic, mountain driving hazards, wildlife collisions, high vehicle theft rates in Denver, and severe weather events. These factors lead to more claims and higher premiums.
Colorado car insurance discounts include: multi-policy bundling (5-25% off), good driver/claims-free (10-40% off), good student (up to 25% off), defensive driving course (5-10% off), anti-theft devices (5-15% off), low mileage (5-30% off), pay-in-full (5-10% off), and paperless billing (3-5% off). Stack multiple discounts for maximum savings.
Yes, comprehensive coverage is highly recommended in Colorado due to the state's frequent hail storms, high wildlife collision rates, and weather-related risks. While it adds to your premium, comprehensive coverage protects against non-collision damage that's common in Colorado. Consider a higher deductible to keep costs down.
Shop for car insurance every 6-12 months in Colorado. Rates change frequently due to market conditions, your improving credit score, aging vehicles, and new discounts. Many Colorado drivers save 10-40% by switching insurers. Always compare at renewal time and after major life changes.