Jerry SummaryEmbark General offers the cheapest car insurance in Colorado at $99 per month, according to Jerry’s August 2025 data analysis. The average cost of car insurance in Colorado is $298 per month. Drivers in different Colorado regions can pay vastly different premiums, so it’s wise to get multiple quotes before you buy a policy.
Colorado’s diverse landscape and natural beauty attracts tourists and new residents each year. Folks can be skiing in Winter Park or Keystone one day and seeing Denver via microbrew tour the next.
The state’s geographic mix also means your premium is highly dependent on where you live. Folks in Ouray are not paying what Aurorans are.
Cheap car insurance is possible to come by in Colorado, but residents are starting from behind with high average rates compared to the rest of the country. All that means is you may have to put in more work to get a good rate than your neighbors in New Mexico or Kansas would. The best way to ensure you’re getting the lowest price on the coverage you want is to compare quotes side-by-side.
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Where to get the cheapest car insurance in Colorado
Coloradans pay $99 per month for the cheapest full coverage car insurance, according to Jerry’s analysis of real customer quotes. Embark General offers the best price.
Most people choose full coverage car insurance because it offers robust coverage for your vehicle, while liability-only insurance does not. It includes the state’s required minimum coverage, plus comprehensive and collision insurance. Collision insurance pays for damage after an accident, no matter who’s at fault, while comprehensive pays for non-accident issues like theft or weather damage. If you park your car outside in one of Colorado’s many hail-prone locales along the Front Range, comprehensive insurance is a good investment.
Full coverage is especially useful if you frequent state parks or campgrounds because it pays for crashes that are more likely to happen in the great outdoors. The Colorado State Patrol responded to more than 3,500 wildlife-vehicle collisions in 2024, according to a department press release. Some estimates put the cost of those crashes between $3,000 and $4,000 on average, and full coverage insurance helps cover repairs. Without it, you’d be paying out of your pocket.
If you have a loan or lease on your vehicle, the lender will require
These insurers offer the cheapest full coverage car insurance in Colorado.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $99 |
| Assurance America | $162 |
| First Acceptance | $178 |
| Safeco | $230 |
| The General | $235 |
| ROOT | $238 |
| Geico | $250 |
| Bristol West | $256 |
| Progressive | $268 |
| Dairyland | $301 |
More: Compare cheap full coverage car insurance
Cheapest liability-only car insurance in Colorado
Embark General offers the cheapest minimum coverage car insurance in Colorado at $262 per month, according to Jerry’s analysis.
Colorado’s required car insurance includes bodily injury (BI) and property damage (PD) liability coverages, meaning minimum coverage insurance pays for damage or injuries you cause to someone else in an accident, up to the state’s minimum liability limits. For example, Colorado requires $15,000 in PD, so if you hit a parked car and the repair costs $10,000, you pay nothing out of pocket. If the repair costs $20,000, the last $5,000 is on you.
This coverage is cheap primarily because it doesn’t pay your medical bills or fix up your car after an accident. So, in the above example, if you walk away needing $5,000 in fixes to your car, liability-only insurance won’t help pay for that.
Minimum coverage is often recommended for older cars when the premium may be close to or more than the vehicle’s worth. Even if you’re only looking for the cheapest coverage, it’s still wise to consider a provider’s online reputation, claim service quality, industry ratings and any fees or discounts included in your policy. After all, the bigger waste of money would be to pay for insurance that doesn’t pay out when you need it to.
Here are the insurers offering the cheapest minimum coverage car insurance in Colorado.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $54 |
| First Acceptance | $59 |
| Assurance America | $65 |
| Bluefire | $67 |
| Progressive | $70 |
| Clearcover | $70 |
| Geico | $71 |
| ROOT | $76 |
| Bristol West | $76 |
| The General | $86 |
More: Get cheap car insurance the smart way, today
Drivers in Colorado with minimum coverage must carry:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $15,000 in property damage liability per accident.
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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest Colorado car insurance by age
Insurers price policies according to how risky a driver they think you are. Age is one of many data points they take in to predict that risk.
When you’re inexperienced behind the wheel, providers treat it as an especially important factor because young drivers have the highest accident rates, and insurers have less data on them than they have on people with more life experience.
As you mature, you give your insurer more information to account for, like a big move, a new daily commute, longer credit history and new household members. These factors round out your car insurance rate as insurers tweak their pricing at each renewal to match your accident risk.
Learn more: How car insurance rates are calculated
Your age comes back around as a major factor when you hit the age that many Americans retire. At this point, the kids may have moved out and your daily mileage may be lower, but older drivers have slightly higher accident rates than those in their 40s and 50s.
It’s difficult to see these larger trends when you’re shopping for insurance on a single day, but many life changes are price inputs for auto insurance companies. That’s why it’s helpful to keep a habit of checking for better rates each year — you never know if another insurer offers a lower price.
More: Compare the best car insurance companies in Colorado
Cheap car insurance for Coloradans between 18 and 29 years old
Safeco offers the cheapest car insurance for young Coloradans seeking full coverage at $262 per month, according to Jerry's quote analysis.
Statistically, young Coloradans are more likely to cause an accident, and any accidents in your teens and 20s are marks on a relatively short driving record.
Major colleges in the state are located in more densely populated cities like Boulder, Fort Collins and Denver, and drivers in urban areas pay more than those who live on the outskirts of the suburbs. This is also true in your first job: If you can’t afford to live in LoDo on an entry-level salary you make there, you’ll put on more daily mileage to get to work, which is another insurance pricing factor.
You’re probably not willing to attend college in Trinidad or job hunt in Durango just for a lower auto insurance premium, so the next-best thing is to shop diligently with multiple insurance companies.
Here are the insurers offering the cheapest full coverage policies to young drivers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $262 |
| ROOT | $264 |
| Geico | $292 |
| The General | $298 |
| Clearcover | $316 |
| Bristol West | $348 |
| Commonwealth Insurance | $376 |
| Gainsco | $377 |
| Progressive | $378 |
| Electric | $381 |
More: Cheap car insurance for teens
Geico offers the cheapest car insurance for young Coloradans seeking minimum coverage at $86 per month, according to Jerry's quote analysis.
These are the lowest-cost insurers for drivers under 30 in Colorado.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Geico | $86 |
| ROOT | $87 |
| Progressive | $102 |
| Safeco | $107 |
| The General | $108 |
| Bristol West | $108 |
| Gainsco | $113 |
| National General | $132 |
| Trexis | $134 |
| Dairyland | $138 |
At a time when many of us have little cash to spare, it may be tempting to cut down on bills by lowering your car insurance coverage. But the premium cost isn’t the only factor to consider.
Car insurance is supposed to protect your finances if you’re in an accident. If you couldn’t afford to fix your totaled car or to pay someone else’s medical bills after an accident, minimum coverage will leave you vulnerable to potentially massive out-of-pocket costs.
However, if your only option is to cut coverage, check the cost of a policy with higher liability limits, but without comprehensive and collision. You may find that it’s just a few dollars more per month to avoid a potential lawsuit if you’re found at-fault for an accident.
Cheap car insurance for 30- to 64-year-old Coloradons
Colorado drivers between 30 and 64 years old get the cheapest full coverage car insurance from Embark General which charges $158 per month, according to Jerry's data.
Many folks build stability into their lives in their 30s and 40s. Even if you’re out rock climbing and mountain biking every weekend, maybe you have a house, partner or family to care for financially. Insurers reward your additional experience — in driving and life — with lower rates. Insuring a home or RV, adding a partner or child to your policy, and changing vehicles all become factors in your premium.
Drivers between 30 and 64 are desirable customers for many insurers, especially those with clean driving records, so it’s in your interest to continuously search for the company that can make you the best offer.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $99 |
| Assurance America | $162 |
| First Acceptance | $178 |
| Bluefire | $186 |
| The General | $207 |
| Bristol West | $217 |
| Progressive | $222 |
| Safeco | $225 |
| ROOT | $226 |
| Geico | $229 |
Cheap car insurance rates for Colorado drivers aged 65 and older
The cheapest full coverage car insurance for Coloradans age 65 and older costs $146 per month and is offered by Bristol West, according to Jerry's quote analysis.
In your late 60s and beyond, your age plays a bigger part in your car insurance costs, and finding cheap coverage may be a little harder. You may be able to hold your own up at Steamboat, but your reaction time and eyesight are expected to decline during these years, which contributes to more expensive car insurance.
As you notice your provider bumping up your rate, get estimates from its competitors to see if you can stall some of the increase.
More: Best car insurance for seniors
These are the cheapest car insurance companies for drivers aged 65 and older in Colorado.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Bristol West | $146 |
| Progressive | $156 |
| The General | $157 |
| Geico | $173 |
| Mendota | $184 |
| National General | $189 |
| Dairyland | $198 |
| Safeco | $211 |
| Kemper | $226 |
| ROOT | $237 |
It’s helpful to consider whether your policy matches your life circumstances during this time, too. Do you take fewer trips out to state parks? Are you trekking up and down Interstate 70 less than you used to? If you drive an older car and rarely make it past Safeway most weeks, you may not need full coverage car insurance. However, if retirement for you means more skiing and sandboarding than knitting and gardening, a full coverage policy keeps your pocketbook protected while you’re on the move.
Regardless of whether you maintain full coverage, most financial experts don’t recommend slimming down liability limits in these years because that’s the coverage that keeps most of your assets safe if you cause an accident. Many drivers opt for a $100k/$300k/$100k policy, but you can also choose limits at or above your net worth (total assets, minus debts) for extra padding.
More: How much car insurance do I need?
Cheap bad credit car insurance in Colorado
The cheapest full coverage car insurance for drivers with poor credit in Colorado comes from Mendota at $247 per month, according to Jerry's quoting data.
Like most states, Colorado allows insurers to use consumers’ credit history to help price auto policies. Lower scores are correlated to a higher likelihood of claims, so if yours is significantly below the state average — 720, according to a 2024 Equifax report — it could cost you money.
This means it’s worth your time to cast a wide net and get multiple car insurance quotes for the coverage you need, because not all providers place the same weight on credit history.
Here are five insurers that offer the lowest rates to Coloradans with bad credit.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mendota | $247 |
| Progressive | $281 |
| ROOT | $281 |
| Bristol West | $293 |
| Kemper | $307 |
See the lowest minimum coverage rates for Colorado drivers with poor credit
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mendota | $99 |
| Dairyland | $117 |
| National General | $118 |
| The General | $125 |
| Trexis | $129 |
Cheapest car insurance for Coloradans with an at-fault accident
The cheapest full coverage car insurance for Coloradans with an at-fault accident on their record is from Clearcover at $180 per month, according to Jerry’s quoting data.
Causing an accident is one of those things you just know is going to raise your auto insurance premium. It doesn’t matter if you got overconfident with the 4WD and hit a patch of ice or swung a late left at a red light when you thought you had time, a rate increase after an at-fault accident is almost inevitable.
If you’ve recently had an at-fault accident and your car insurance policy hasn’t renewed yet, get estimates from other auto insurance companies to see if you can reduce the amount of the premium increase.
Here are the insurers offering the cheapest coverage for Coloradans with an at-fault accident on their record.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $205 |
| Mendota | $285 |
| Safeco | $295 |
| ROOT | $303 |
| Progressive | $304 |
The cheapest car insurance for Coloradans with a speeding ticket
A speeding ticket in Colorado will cost you $36 to $232 in most situations — more in special circumstances like a construction zone — and your insurer may add to the costs. If you were going less than 15 mph over the limit, the ticket may not make a big difference in your premium. But you can expect a spike when your policy renews if you were going more than 15 mph over the limit.
Coloradons with a speeding ticket on their record can find the cheapest full coverage with Gainsco, which charges $145 on average, according to Jerry’s quote data.
These are the insurers offering the lowest full coverage rates for Colorado drivers with a speeding ticket for driving less than 15 mph over the limit.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Gainsco | $145 |
| Safeco | $158 |
| Progressive | $280 |
| Mendota | $295 |
| Bristol West | $320 |
Cheapest car insurance for Colorado drivers with other types of violations
It’s easy to think all insurers will raise your premium by the same amount after you’re ticketed for a moving violation. After all, everyone in the state pays the same $75 fine the first time they’re caught using their cell phone while driving.
But for one insurer, a distracted driving violation may lead to a much larger increase than it would with another. No two insurers’ pricing models are exactly the same, so if you get a ticket, don’t assume it’ll automatically prevent you from finding cheap insurance.
Here are some common moving violations, and the average rate Coloradans pay for insurance after getting one.
|
Violation Summary
|
Avg Monthly Quote
|
|---|---|
| Leaving scene of an Accident/Hit and Run | $81 |
| Defective Equipment | $111 |
| Illegal Turn | $160 |
| Careless Driving | $167 |
| Driving on Sus. License | $169 |
More: The average cost of car insurance
Cheapest auto insurance for Colorado drivers with DUI citations
There are two different impairment laws in Colorado:
- Driving while alcohol impaired (DWIA) means your blood-alcohol content was between 0.05 and 0.08, and you may not lose your license on the first offense.
- Driving under the influence (DUI) means your blood-alcohol content was above 0.08 — a common threshold in most states — and you risk license revocation on the first offense.
Though a DUI is the more severe of the two offenses in the eyes of the state government, insurers place both among the most serious citations a driver can get. If your insurer doesn’t outright drop your policy, it will raise your rates considerably.
Some insurance providers specialize in coverage for so-called “high-risk” drivers. Rates may not exactly be low after a DUI, but shopping around can help ease the burden.
Assurance Americaoffers the cheapest full coverage auto insurance for Colorado drivers with a DUI, at $83 per month, according to Jerry’s analysis.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Assurance America | $83 |
| ROOT | $250 |
| Progressive | $275 |
| Bristol West | $311 |
| Dairyland | $424 |
Reducing coverage is a natural reaction to a big rate increase after something like a DUI, and if you can accept the risk of driving without comprehensive and collision coverage for a while, you could lower your rate considerably. If your car would be expensive to replace after a wreck, check quotes to see if raising your comprehensive and collision deductibles, rather than eliminating the coverage altogether, would provide enough rate relief.
It may be wise to stop short of lowering your liability limits because you can’t know how expensive a potential at-fault accident would be. If you hit black ice and slide into another vehicle or clip a car, you’ll have to pay any costs that exceed your liability limits out of your own savings.
If paying for that damage would cause substantial financial stress, it’s best to look elsewhere in your budget for cost savings before you lower liability insurance.
The cheapest car insurance for Coloradans with a DUI seeking a minimum coverage policy is Assurance Americawith an average monthly premium of $83.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Assurance America | $83 |
| ROOT | $250 |
| Progressive | $275 |
| Bristol West | $311 |
| Dairyland | $424 |
3 steps to get cheap car insurance in Colorado
Now that you know how different factors can drive your rate up or down in Colorado, you’re ready to start shopping. As you search for cheap rates try not to sacrifice on your coverage must-haves.
Here are three steps to find the cheapest car insurance in Colorado.
- Decide on the right coverage. Colorado’s minimum coverage requirements are pretty average compared to other states, and could leave you paying out of pocket should you cause a bad accident. If you want more than the minimum, ask yourself what limits would give you peace of mind. Also consider your other needs: Will you buy full coverage? If you have a leased car or new loan, do you need gap insurance? If you frequently travel long distances into the mountains or plains, would mechanical breakdown or roadside assistance come in handy? Piecing this puzzle together tells you what you’re shopping for, so you can take those requirements to different insurers to find the lowest price.
- Get multiple estimates. Whether you shop online or use a local agent, be sure to get at least two or three quotes from different providers — and more if you have accidents or violations. Maybe the second and third insurer confirm the first quote is solid, or maybe you get three very different quotes and need to gather more data. Don’t assume big, well-known companies always provide the lowest rates and include a quote from a small company, too.
- Ask about discounts. Insurance companies generally ask drivers plenty of questions to be sure they’re adding applicable discounts, but it’s your job during the shopping process not to leave money on the table. Read the insurer’s website and online reviews to see if you’re eligible for any discounts they didn’t add themselves. Be wary of steep “new customer” discounts, which are great for six months but cause big rate increases when they drop off at renewal.
Factors affecting car insurance rates in Colorado
Here are a few key reasons that drivers in Colorado pay higher-than-average insurance premiums.
- Auto theft: As of 2022, Colorado was No. 6 in the country for the most car thefts, according to the Insurance Information Institute. Three of the top 10 metro areas for auto theft rates were also in Colorado — Pueblo, Denver-Aurora-Lakewood and Greeley. Colorado’s car-theft issue is a well-known issue, but statewide thefts have fallen from the 2022 high of about 41,600 to 24,575 in 2024. That drop will almost certainly aid in cooling car insurance prices, but it takes time for insurers to ingest this kind of data.
- Extreme weather: The Front Range has the distinct honor of being dubbed the hail capital of North America, and the state is seated within the country’s “hail alley.” You better believe insurers reserve special rates for areas with such nicknames, especially because a single hailstorm can turn a brand-new vehicle into a total loss.
- Plaintiff-friendly insurance laws: Colorado’s car insurance rules provide ample room for plaintiffs to win large sums of money in lawsuits against their insurers, if an insurer unreasonably denies or delays a claim. This means insurers are walking a tight rope whenever they deny a claim, and if there’s a risk of losing significant money in a lawsuit — even one the company brought on itself — it hedges for that risk by charging higher premiums.
- Population growth: Doesn’t it seem like everyone’s moving to Colorado? The state added a little over 600,000 residents between 2013 and 2023 — about 10% of its current population, according to data from the Colorado Department of Local Affairs. More drivers often means increased risk for insurers, and that’s especially true for areas like Denver and Colorado Springs, where many newcomers landed during that time.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.
