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Colorado Cheapest Auto Insurance Companies & Minimum Coverage Requirements

Here you are going to find the cheapest car insurance companies in Colorado.

Out of the 16 insurers we queried the least expensive for all age of drivers are Progressive, State Farm, and Grange.

Each carrier is from 13% to 22% lower than the median quote for drivers with a clean driving record.

American Family and Auto-Owners offer competitive quotes which are 11% to 19% lower than the average quote for drivers of similar age and profile.

In this article we are going to cover the minimum auto insurance requirements in Colorado, the least expensive companies, and cost strategies for the most savings.

If you would like to skip to a certain portion of the article please use the table of contents down a little and to the right. 

Minimum car insurance requirements for Colorado

CoverageColorado Minimum Liability CoverageRecommended 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 premium prices 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.

Cheapest policy choices for 30 year old driver.

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. 

Inexpensive premium options for 35 y/o driver in CO.

Cheapest Car Insurance in Colorado?

Below are the best insurers 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. 

Colorado CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Progressive$1,410$1,176$978$812$702$655
State Farm$1,456$1,188$1,008$822$702$677
Grange$1,445$1,190$1,011$825$704$667
American Family$1,509$1,210$1,022$875$709$644
Auto Owners$1,521$1,233$1,034$889$721$621
GEICO$1,568$1,255$1,045$900$782$677
Hartford$1,568$1,341$1,087$910$782$690
Colorado Farm Bureau$1,629$1,344$1,090$922$788$715
21st Century$1,679$1,387$1,099$927$801$721
Unitrin$1,679$1,398$1,109$910$802$722
Allied$1,680$1,426$1,112$965$865$743
Farmers$1,731$1,456$1,133$967$877$744
Liberty Mutual $1,745$1,478$1,178$1,008$902$787
Amica$1,878$1,515$1,180$1,043$976$790
Ameriprise$1,979$1,612$1,240$1,088$988$801
MetLife$2,128$1,764$1,321$1,090$990$825

Inexpensive premium choices for 40 year old driver in Colorado

Best Insurers by Consumer Rating, Complaints, & Rate Change

Below is a list of the best carriers by consumer rating, complaints, and the rate change over a 12 to 18 month time frame.

Included in the list is the amount of written premiums to coincide with complaints.

What does this mean?

For example, if a carrier has a high amount of complaints but low amount of written premiums this should raise a flag.

None of the insurers listed below fall into that category.

The rate change is from 2.2% to 3.4% which is normal course of business for most insurers.

The consumer ratings is from reputable online sites to get an average.

Most of the top carriers have a higher rating than their competitors.

This is normal.

It doesn’t mean less competitive carriers are not worth getting quotes from.

Companies such as Colorado Farm Bureau and Unitrin may be able to tailor a premium for a cheaper price.

Any other data is from JD Power & Associates and AM Best. 

Colorado CompanyTotal PremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Progressive$785,834 +2.2%174.3
State Farm$1,761,224+2.4%144.3
Grange$198,227+3.2%313.8
USAA$613,323+2.3%84.5
American Family$474,298+2.5%114.2
Auto Owners$210,547+2.7%144.0
GEICO$821,326+2.6%244.5
Hartford$165,329+2.8%124.2
Nationwide$267,717+2.7%93.9
Colorado Farm Bureau$118,845+3.2%74.0
21st Century$115,548+3.1%23.8
Unitrin$76,673+3.4%13.6
Allied$87,386+3.4%33.7
Farmers$318,452+2.7%144.0
Liberty Mutual $313,039+2.5%154.2
Amica$253,215+2.8%64.4
Allstate$821,012+2.9%204.3
MetLife$185,654+3.0%64.1
low-cost policy options by price for 55 year old driver Below are tables of graphs of each city with the cheapest and most affordable premiums 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.

Average Rate by City in Colorado

The average premium is going to vary from city to city since location is a determining factor for insurers when determining your rate.

If your quotes are substantially higher than those listed below you may have a driving violation in your record.

If you don’t, it could be your credit score, any lapse in coverage, or you may have filed claims in the past.

Your rate can go up if you file a claim even when the accident is not your fault.

After your own personal investigation and your premium is still high you may have coverage you don’t need.

You may want to call your insurer or review your policy to see which coverage you can lower or drop to bring your rate lower.

City Average RateCity Average RateCity Average Rate
Alamosa$1,439Canon City$1,699Hotchkiss$1,411
Aspen Park$1,466Carbondale$1,809Lafayette$1,444
Ault$1,556Durango $1,562La Salle$1,691
Avon$1,783Eagle$1,678Lafayette$1,704
Basalt$1,641Golden $1,711Parker $1,683
Bennett$1,411Greely $1,431Peyton$1,590
Boulder $1,649Greenwood$1,459Sterling $1,401
Brighton$1,701Gypsum$1,558Wellington$1,811

Denver, CO

Denver Company30 Y/O Driver45 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

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.

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.

Denver inexpensive premium prices fro 30 to 55 y/o.

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.

Colorado Springs, CO

Colorado Springs Company30 Y/O Driver45 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

The average 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 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.

Colorado Springs, Colorado low-cost policy options for all drivers.Colorado Springs has nearly 500,000 residents and over 700,000 in the greater metropolitan area.

The city covers 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.

Fort Collins, CO

Ft. Collins Company30 Y/O Driver45 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

The average premium in Fort Collin is over $1,600 per year. The cheapest providers are Progressive, Auto-Owners, and Grange. 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 illustrated companies too.

Fort Collins, Colorado affordable premium quotes by price for all drivers.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 famous for the design of Main Street, USA at Disney World’s Magic Kingdom.

Pueblo, CO

Pueblo Company30 Y/O Driver45 Y/O Driver
Auto Owners$899$720
Grange$903$745
Progressive$987$790
American Family$1,097$890
State Farm$1,134$945
GEICO$1,156$978

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 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.

Pueblo cheapest premium choices by carrier for all drivers.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.

Aurora, CO

Aurora Company30 Y/O Driver45 Y/O Driver
Progressive$989$792
Grange$990$800
State Farm$1,067$856
Auto Owners$1,122$879
American Family$1,138$923
GEICO$1,167$988

The top carriers in Aurora for an inexpensive premium are Progressive and Grange.

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 low-cost policy prices by insurer for drivers.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.

Westminster, CO

Westminster Company30 Y/O Driver45 Y/O Driver
Progressive$912$722
Grange$922$742
State Farm$948$745
Auto Owners$989$768
American Family$1,002$789
GEICO$1,043$803

The cheapest 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 year.

Westminster, CO cheapest quotes by price for 25 to 55 y/o drivers.

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

Loveland, CO

Loveland Company30 Y/O Driver45 Y/O Driver
Grange$803$711
Auto Owners$822$717
Progressive$867$738
GEICO$899$768
State Farm$905$809
American Family$1,043$842

Residents of Loveland can be very satisfied with affordable premiums. The median rate is over $1,600 per year while Grange 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.

Loveland, CO least expensive premium choices by price for drivers.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.

Arvada, CO

Arvada Company30 Y/O Driver45 Y/O Driver
Grange$789$644
Auto Owners$802$703
Progressive$845$709
GEICO$868$728
State Farm$921$788
American Family$1,004$821

When it comes to auto premiums Arvada has some of the lowest rates around the Denver area. Grange 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.

Arvada, Colorado lowest premium options by price for all drivers.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.

LaPorte, CO

La Porte Company30 Y/O Driver45 Y/O Driver
Progressive$755$633
Grange$790$644
Auto Owners$798$721
GEICO$804$722
State Farm$848$767
American Family$906$790

If you want to get cheaper premium in LaPorte get quotes from Progressive, Grange, and Auto-Owners. 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.

Laporte cheapest policy choices for 30 to 55 y/o drivers.LaPorte has a population less than 5,000 residents and some the cheapest 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.

Windsor, CO

Windsor Company30 Y/O Driver45 Y/O Driver
Progressive$821$704
Grange$877$706
GEICO$898$744
Auto Owners$904$786
State Farm$967$789
American Family$989$799

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 their premium.

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.

Windsor, CO lowest premium price by carrier for all drivers.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.

Bailey, CO

Bailey Company30 Y/O Driver45 Y/O Driver
Progressive$878$733
Grange$904$755
GEICO$952$769
Auto Owners$955$809
State Farm$1.023$844
American Family$1,044$893

Premiums 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 the illustrated carriers are approximately 20% to 25% lower than the average median rate for both age groups conducted in our study.

Bailey, Colorado cheap premium choices by price for drivers.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.

Colorado’s Change from No-Fault to Tort

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.

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 a lower premium then you may want to compare more than three 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 coverage in less than ten minutes which saves you time and money.

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

Shaun Fyffe

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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