Good news for Colorado drivers: Jerry’s latest data shows that liability coverage in the Centennial State averages about $319 per month. Over the past year we’ve helped 8,517 Coloradans lower their premiums, and drivers who switch with Jerry save an average of $403 a year without cutting essential protection.
Jerry compares quotes from up to 10 trusted insurers in Colorado to build your policy and secure your best price in minutes
Save on Colorado insurance with Jerry
What Colorado drivers are paying right now
Colorado’s insurance market doesn’t sit still. Mountain weather, wildfire smoke, avalanche closures, busy I-25 traffic and the state’s high rate of catalytic converter theft all influence what you pay. Even two drivers with similar profiles can see dramatically different prices depending on whether they commute along the Front Range or live on the Western Slope.
Jerry tracks live quotes across Colorado to show you what drivers are actually paying now. Here are some Colorado full coverage policies recently purchased through Jerry and what drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates periodically. In Colorado, everything from hail season to small changes in your driving profile can move your premium by renewal time.
4 quick ways Jerry helps Colorado drivers save on car insurance
Cutting your premium isn’t just about finding the cheapest number. The smartest approach is knowing what actually drives your rate and what you can adjust without weakening your coverage.
Jerry handles that heavy lifting by comparing real offers, surfacing discounts you may not know you qualify for and showing you exactly where you can save.
Here are our top tips to help you spend less and worry less.
| How to save | Average Colorado driver savings |
|---|---|
| Compare quotes | 24% to 30% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 16% to 71%* |
| Avoid coverage lapses | 16% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Colorado’s risk mix is unusual, as this state has some of the nation’s highest hail losses, long stretches of high-speed rural highways, steep mountain passes and heavy congestion through Denver and Colorado Springs.
Each insurer weighs those risks differently, which is why prices swing so widely from one company to the next. But comparing quotes through Jerry is the simplest way to avoid overpaying.
Here’s where Colorado drivers who saved most often switched last year after checking their rates with Jerry:
| Insurance carrier | Colorado drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 39% | 27% |
| Bristol West | 29% | 28% |
| Root | 14% | 25% |
| National General | 6% | 24% |
| Mendota Auto Insurance | 4% | 30% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Two drivers in Colorado with identical cars and similar records can still pay very different premiums simply based on weather exposure or ZIP code. Jerry shows you that spread immediately so you can pick the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Colorado drivers qualify for more discounts than they realize — safe-driver incentives, paperless billing, vehicle safety features, bundling home and auto and even some wildfire mitigation credits in certain areas. But not every insurer applies those savings automatically.
Jerry finds the discounts you’re eligible for so you don’t leave money behind.
Key takeaway: Discounts can add up to bigger savings than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible can change your rate quickly. Colorado drivers face high hail frequency, big swings in mountain weather and higher-than-average repair costs, so you need a deductible you can comfortably pay if a claim pops up.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Check your car’s value (Jerry updates this monthly).
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Choose an amount you can cover out of pocket.
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See how each deductible level changes your rate instantly.
The Jerry difference: You’ll see real-time pricing for multiple deductible options so you can choose the balance of cost and coverage that works for you.
Jerry Agent Tip 4: Keep a clean driving record
In Colorado, violations don’t just add points, they add real cost. Jerry data shows that even a single violation raises premiums by 6% on average. That includes speeding on I-70 mountain grades, rolling stops in small towns or distracted driving in Denver traffic.
Clean driving is one of the most reliable ways to keep your premium down. And once a violation falls off, Jerry automatically re-shops your policy so you can capture savings as soon as you qualify.
Get personalized car insurance rates now
How to get better coverage without overpaying
Colorado requires 25/50/15 liability coverage, but damage repairs here can run high due to steep tow costs, pricey parts and more complex mountain accident recoveries. These are the coverage tiers you’ll see when you shop:
Minimum
$66 – $121/mo
Meets Colorado’s liability requirements but doesn’t protect your own car.
Standard
$232 – $440/mo
Includes UM/UIM and medical payments, valuable in a state with rising injury claim costs.
Preferred
$241 – $455/mo
Top protection with higher limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your risk comfort level and your car’s value. Jerry shows real-time prices for all coverage tiers so you can choose confidently.
The cheapest policy in Colorado is liability-only, but a few well-priced add-ons can make a big difference when you actually need them. Here’s a quick look at what each coverage tier provides.
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Coverage definitions
Colorado insurance factors at a glance
Where and how you drive has a big impact on what you pay for car insurance. Here’s what influences what you pay in Colorado and why it matters.
Hail damage
Colorado consistently ranks among the top states for severe hail losses, so comprehensive coverage is worth considering.
Mountain driving
Steep grades, sudden storms and high-elevation roads boost accident severity, making collision valuable.
Wildlife collisions
Deer and elk crossings make comprehensive coverage imperative.
Uninsured drivers
Nearly 20% of Colorado drivers carry no insurance, making uninsured motorist protection important
Colorado Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t lock you into high rates forever. We work with insurers that consider your full profile and automatically re-shop your policy as your record improves.
If you got a ticket
Colorado uses a point system, and too many points within a short period can lead to a suspension. Even a single ticket can raise your rate for years, though some drivers may qualify for level-1 or level-2 defensive driving courses to reduce the impact.
Once the violation clears, Jerry shops for better rates automatically.
The average rate increases we’ve seen for Colorado drivers after a ticket are:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 7%
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Reckless driving: 61%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Colorado’s at-fault rules mean the responsible driver pays for damages. An at-fault crash raises premiums by an average of 5%, and those increases often last three to five years. Jerry helps you secure the lowest available price now and re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $393 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
DUIs are among the priciest violations in Colorado. You can expect your rates to climb by -2% on average, and the surcharge usually lasts several years. Some insurers do offer more reasonable pricing for high-risk drivers.
Jerry identifies those carriers and automatically re-shops your policy as your record improves.
Here are the five cheapest insurance companies in Colorado for drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $233 | Yes | |
| $268 | Yes | |
| $277 | Yes | |
| $298 | Yes | |
| $312 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Colorado
Colorado may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and you’ll see only insurers that file them. Most charge about $25 per year for the paperwork.
Car Insurance with Bad Credit
Colorado allows insurers to use credit-based insurance scores, which can influence your rate. Still, maintaining continuous coverage, choosing the right deductible and keeping your record clean often have a bigger impact.
Jerry helps you compare prices instantly so you can find your best rate regardless of credit.
Average rates in Colorado by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Colorado’s mix of mountain weather, hailstorms, wildlife crossings and busy urban corridors means a one-size-fits-all insurance plan doesn’t exist. The best protection is a policy built for your actual driving life. Jerry makes that simple by matching you with strong, affordable coverage and re-shopping automatically when you qualify for better pricing.
Get Colorado coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
