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Colorado State Minimum Auto Insurance Requirements, Abolished No-Fault System, & the Best Auto Companies for Lower Rates

Update: Colorado State Abolishes No-Fault Auto Insurance

Minimum car insurance requirements for Colorado

CoverageColorado Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$15,000$25,000
Uninsured Motorist Coverage*$25,000 / $50,000$50,000 / $100,000
Medical Payments*$5,000 per accident$5,000 per accident
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

*Uninsured Motorist and Medical Payments can be rejected by signing an option form.

The state minimum coverage for residents of Colorado is $25,000 for bodily injury liability for a single person, up to a max of $50,000 for multiple passengers concerned in the accident.

Lowest insurance providers for 25 year old driver in Colorado

Bodily Injury & Property Damage Liability

The minimum requirement for the state of Colorado is $15,000 which is necessary to cover the damages to the other driver’s vehicle and other property which may have been damaged in an accident.

Lowest car insurance providers for 30 year old driver in Colorado

For the state of Colorado the listed numbers would be 25/50/15. As you can see by the figures above which are listed respectfully. 

Cheapest Car Insurance in Colorado?

Below are the best auto insurance companies in Colorado with the lowest rate per age group. The cheapest insurers are Progressive, State Farm, Grange, and American Family. Each of the top insurance firms were approximately 15% lower on average. Your results will vary. 

Lowest car insurance providers for 40 year old driver in Colorado

RankColorado Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Progressive$1,410$1,176$978$812$702$655
2State Farm$1,456$1,188$1,008$822$702$677
3Grange Insurance$1,445$1,190$1,011$825$704$667
4American Family$1,509$1,210$1,022$875$709$644
5Auto Owners$1,521$1,233$1,034$889$721$621
6GEICO$1,568$1,255$1,045$900$782$677
7Hartford$1,568$1,341$1,087$910$782$690
8Colorado Farm Bureau$1,629$1,344$1,090$922$788$715
921st Century$1,679$1,387$1,099$927$801$721
10Unitrin$1,679$1,398$1,109$910$802$722
11Allied$1,680$1,426$1,112$965$865$743
12Farmers$1,731$1,456$1,133$967$877$744
13Liberty Mutual $1,745$1,478$1,178$1,008$902$787
14Amica$1,878$1,515$1,180$1,043$976$790
15Ameriprise$1,979$1,612$1,240$1,088$988$801
16MetLife$2,128$1,764$1,321$1,090$990$825

low-cost car insurance providers for 55 year old driver in Colorado

Below are tables of graphs of each city with the cheapest and most affordable auto insurance by carrier in more detail. Each yearly premium is for a single 30 and 45 year old driver as illustrated. Please realized your quotes will vary depending age, driving history, married or single, and the zip code you reside in.

Denver, CO

Denver, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$1,092$877
Progressive$1,134$888
Grange Insurance$1,187$902
Auto Owners$1,240$944
American Family$1,321$987
GEICO$1,476$1,001

Neat Facts about Denver

  • Denver records an average of over 300 days of sunshine per year–more than San Diego or Miami Beach.
  • At an elevation of 5,280 feet, Denver is nicknamed the “Mile High City” because it sits exactly one mile above sea level.
  • Denver brews more beer than any other city in the nation, with over 200 different beers brewed daily.

Out of all the cities in the State of Colorado, Denver is one of the more expensive cities. Finding lower rates is possible. If you are looking to save on car insurance try State Farm, Progressive, and Grange Insurance. The average rate for residents of Denver is over $1,800 per year. With our top picks illustrated you should be able to save over 25% on your monthly or yearly premium. American Family and Auto-Owners are very competitive too.

Cheapest insurance providers in Denver, Colorado

Colorado Springs, CO

Colorado Springs, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$990$765
Grange Insurance$993$786
State Farm$1,034$789
Auto Owners$1,097$912
American Family$1,121$944
GEICO$1,204$987

Colorado Springs has nearly 500,000 residents and over 700,000 in the greater metropolitan area. The city cover 195 square miles making it the biggest municipality in the state of Colorado. The city has spectacular weather year round, with dry summers and temperatures in the 80s with cool nights in the 60s. Spring and fall temperatures range from the mid 50s to the low 70s. Winters are mild with snow quickly melting making the city of Colorado Springs one of the most beautiful destinations during the winter.

The average insurance rate for residents of Colorado Springs is $1,700 per year. With our top five picks illustrated you would save over 28% on your annual premium pretty easy. Try getting quotes from Grange Insurance and Progressive. The quotes we obtained for a 30 and 45 year old driver driving a 2014 Toyota Camry, less than 15,000 miles per year, with no more than one driving violation in the past two years.

Cheapest insurance providers in Colorado Springs, Colorado

Fort Collins, CO

Ft. Collins, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$802$689
Auto Owners$834$699
Grange Insurance$897$702
State Farm$925$715
GEICO$966$744
American Family$990$755

Strange Laws in Fort Collins

  • It’s illegal to ride a horse while under the influence in Fort Collins.
  • Car dealers may not show cars on a Sunday
  • One may not mutilate a rock in a state park

Fort Collins is a university town with nearly 150,000 residents. The city’s is fairly famous for the design of Main Street, USA at Disney World’s Magic Kingdom.

The average insurance rate in Fort Collin is over $1,600 per year. The cheapest providers are Progressive, Auto-Owners, and Grange Insurance. GEICO and State Farm round out the top five. With any of the providers in our study you should be able to save about 40%. A family of four could find exceptionally low rates with any of the suggested insurance companies too.

inexpensive auto insurance providers in Fort Collins, Colorado

Pueblo, CO

Pueblo, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Auto Owners$899$720
Grange Insurance$903$745
Progressive$987$790
American Family$1,097$890
State Farm$1,134$945
GEICO$1,156$978

The city of Pueblo, a “melting pot” of the west from growth of steel mills, is a vibrant city with gorgeous river walks. At one point, more than 2 dozen foreign language newspapers were published in the city. According to Livability.com, Pueblo is one the top historic cities in the United States. With El Pueblo History Museum, Lake Pueblo State Park, and attractions for all ages, residents enjoy the family friendly atmosphere of Pueblo.

Are you able to get cheap car insurance in Pueblo? Since the average rate is over $1,500 per year, you may want to get quotes from Auto-Owners, Grange, and Progressive. The other insurance carriers, American Family and State Farm are well worth considering for low-cost premiums. State Farm was 20% lower and Auto-Owners was nearly 40% lower than the median rate for Pueblo.

inexpensive auto insurance providers in Pueblo, Colorado

Aurora, CO

Founded in 1891 under the name Fletcher with a name change to Aurora in 1907 has more than 350,000 residents. With 108 municipal parks, 6 golf courses, 4 public libraries, and over 150 square miles of city area, Aurora has established itself as its own city. Many consider Aurora a suburb of Denver. Known for its cultural food, outdoor recreation, and relaxing atmosphere, many people live the outdoor lifestyle.

The top carriers for inexpensive car insurance are Progressive and Grange Insurance. With an median rate of over $1,700 per year with any of our best picks you should be able to save 32% on your annual premium.

A family of four should be able to get fairly low rates through American Family, State Farm, or Auto-Owners.

Aurora, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$989$792
Grange Insurance$990$800
State Farm$1,067$856
Auto Owners$1,122$879
American Family$1,138$923
GEICO$1,167$988

Best choice auto insurance providers in Aurora, Colorado

Westminster, CO

Westminster, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$912$722
Grange Insurance$922$742
State Farm$948$745
Auto Owners$989$768
American Family$1,002$789
GEICO$1,043$803

Westminster offers a wide arrangement of recreational and historic options to enjoy. Any activities for history buffs or outdoor enthusiasts are less than 20 minutes away either in Boulder or Denver. Such as: Denver Museum of Nature and Science,  Six-Flags Elitch Gardens, Hyland Hills Water World, Denver Aquarium, and Arvada Center for the Arts and Humanities

The cheapest auto insurance providers are Progressive, Grange, State Farm. Either a 30 or 45 year old driver with a good driving history would save 22% off the median rate of nearly $1,400 per year. All five of the carriers illustrated clustered between $900 and $1,000 per annum.

Best choice auto insurance providers in Westminster, Colorado

Loveland, CO

Loveland, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Grange Insurance$803$711
Auto Owners$822$717
Progressive$867$738
GEICO$899$768
State Farm$905$809
American Family$1,043$842

Loveland metropolitan area has received numerous awards as one the best places to raise a family, by USA Today, AARP the Magazine, Forbes, and USA Today. Known as the “Gateway to the Rockies”, more than 70,000 residents enjoy the beautiful landscapes and precious views. It has been voted the most satisfied places to live by Live Happy Magazine.

Residents of Loveland can be very satisfied with affordable auto insurance. The median rates is over $1,600 per year while Grange Insurance is able to offer rates nearly 45% lower for a driver with good credit and clean driving history. Auto-Owners, Progressive, State Farm, and GEICO were all well below the median rate. One of the best ways for a driver in Loveland to lower their insurance rates is to compare. And we suggest to compare all of the carriers from our study for optimum coverage and an affordable premium.

auto insurance providers with lowest cost premium in Loveland, Colorado

Arvada, CO

Arvada, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Grange Insurance$789$644
Auto Owners$802$703
Progressive$845$709
GEICO$868$728
State Farm$921$788
American Family$1,004$821

Arvada is a suburb of Denver with approximately 120,000 residents. The city has large area of parks and trails plus the city offers a wide variety cultural and recreational options for residents and visitors. The Arvada Festival Playhouse began as a gathering place for local farmers known as the Clear Creek Grange during the 1800’s. During the 1960’s the building was turned into a public theater which is home to Players Guild.  The Arvada Center for the Arts provides numerous performances and cultural events. Included are concerts, classical and contemporary dance performances, and arts and humanities classes..

When it comes to auto insurance Arvada has some of the lowest rates around the Denver area. Grange Insurance is the only carrier we queried below the $800 mark. Auto-Owners and Progressive and certainly worth getting quotes from too. A driver can get below the median rates of $1,400 with GEICO and State Farm which provided quotes in the $870 to $920 range for a 30 year old driver. A 45 year old driver in Arvada with good credit and minimal driving violations may be able to get rates around the $750 to $800 range.

auto insurance providers with lowest cost premium in Arvada, Colorado

LaPorte, CO

La Porte, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$755$633
Grange Insurance$790$644
Auto Owners$798$721
GEICO$804$722
State Farm$848$767
American Family$906$790

LaPorte has a population less than 5,000 residents and some the cheapest insurance rates in the state of Colorado. Settled by French-Canadian fur trappers and mountain men it is the gateway to the scenic and beautiful mountainous regions just north of the Platte River.

If you want to get cheaper insurance pick Progressive, Grange, and Auto-Owners insurance firms. The average annual rate for residents of LaPorte is over $1,100 per year. With any of the companies in our study you should be able to get a 20 percent lower annual premium.

auto insurance providers with lowest cost premium in Laporte, Colorado

Windsor, CO

Windsor, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$821$704
Grange Insurance$877$706
GEICO$898$744
Auto Owners$904$786
State Farm$967$789
American Family$989$799

Windsor has nearly 20,000 residents and some of the most affordable insurance rates in the state, along with the city of LaPorte. There are activities for outdoor enthusiasts such as Boyd Lake & Lory State Park. Other attractions include Discovery Center Science Museum, Swetsville Zoo, and Fort Vasquez.

Our cheapest insurer queried was Progressive with Grange, GEICO, and Auto-Owners not far behind. With an average median rate of $1,200 per year a 30 year old driver would save over 25% each month on his/her car insurance bill. The median rate for our top pick was approximately $850 per year. A 45 year old driver in Windsor may be able to get rates as low as $700.

auto insurance providers with lowest cost premium in Windsor, Colorado

Bailey, CO

Bailey, Colorado Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$878$733
Grange Insurance$904$755
GEICO$952$769
Auto Owners$955$809
State Farm$1.023$844
American Family$1,044$893

Bailey has approximately 2500 families with 8000 residents. It is located inside the Lost Creek Wilderness area where hiking and backpacking trips are very popular. There are beautiful and scenic hiking trails which make it a really nice spot for mountain bikers.

Auto insurance rates in Bailey are higher than average throughout the state. Residents are able to find affordable rates by comparing Progressive, Grange, and GEICO. For a 30 year old driver the best picks would be Grange and Progressive. A 45 year old driver would enjoy a cost saving premium by getting quotes from any of the five in our table and chart.

Rates through these insurance carriers are approximately 20 to 25% lower than the average median rate for both age groups conducted in our study.

Cheapest auto insurance providers in Bailey, Colorado

Colorado’s Change from No-Fault to Tort Auto Insurance

According to HG.org, Colorado has switched from a no-fault jurisdiction to a tort jurisdiction. This means that drivers and passengers injured in car accidents typically cannot recover medical expenses from their own insurance policies if they were not at fault for the accidents.

Rather, the injured are now required to seek coverage for their medical bills from the at-fault drivers’ auto insurance companies.

Local Car Insurance Agents in Colorado & Avg. Rate by City

City Average RateCity Average RateCity Average Rate
Alamosa Auto Insurance$1,439Colorado Springs Auto Insurance$1,699Hayden Auto Insurance$1,411
Arvada Auto Insurance$1,466Denver Auto Insurance$1,809Lakewood Auto Insurance$1,444
Ault Auto Insurance$1,556Durango Auto Insurance$1,562Littleton Auto Insurance$1,691
Aurora Auto Insurance$1,783Fort Collins Auto Insurance$1,678Loveland Auto Insurance$1,704
Basalt Auto Insurance$1,641Golden Auto Insurance$1,711Parker Auto Insurance$1,683
Bennett Auto Insurance$1,411Greely Auto Insurance$1,431Pueblo Auto Insurance$1,590
Boulder Auto Insurance$1,649Greenwood Auto Insurance$1,459Sterling Auto Insurance$1,401
Centennial Auto Insurance$1,701Glendale Auto Insurance$1,558Wheat Ridge Auto Insurance$1,811

Insurance Resources & Motor Vehicle Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
1560 Broadway #110, Denver, CO 80202
(303) 894-7499
4201 E Arkansas Ave, Denver, CO 80222
(303) 757-9011
11900 N Washington Street, Northglenn, CO 80233
(720) 929-8636
WebsiteWebsiteWebsite

Final Thoughts

Colorado drivers have numerous dangers such as driving in snow, falling rocks, even severe weather, can make the difficulty of driving higher than average at times.

If you are shopping for lower car insurance rates then you may want to compare more than three insurance quotes to be sure you are adequately protected. After comparing, using our comparison tool, and you find a couple of quotes it is good to call the agent to be sure you are properly covered.

With our quote comparison tool you are able to make an informed decision about auto insurance in less than ten minutes which saves you time and money.

Even if you are stopping by, you may want to compare your current insurance company’s premium to be sure you have the lowest car insurance rate available. 

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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