Here you are going to find the cheapest car insurance companies in Colorado.
Out of the 16 insurers I queried, the least expensive for all age of drivers are Progressive, State Farm, and Grange.
Each carrier is from 19 to 31% lower than the median quote for drivers with a decent 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.
Depending on your location, some carriers may offer quotes over 35% lower than the average premium.
I will go into more details below.
In this article I am going to cover the minimum auto insurance requirements in Colorado, the least expensive companies, and cost-saving strategies.
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.
Note: The lowest cost insurers for a 25-year-old driver in Colorado is with Progressive, Grange, and State Farm. I queried each at $1,410, $1,445, and $1,456 respectfully per year. Which is approximately 16% lower than the average premium for similar profile drivers.
Minimum Car Insurance Requirements for Colorado
| Coverage | Colorado Minimum Liability Coverage | Recommended 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 Coverage | Optional | $500 deductible |
| Collision Coverage | Optional | $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.
Note: A 30-year-old driver can get cheap car insurance from Progressive, State Farm, and Grange. I queried each at $1,176, $1,188 and $1,190 respectfully per year. Each quote is nearly 28% lower than the average premium for drivers 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.
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.
Note: For a 35-year-old driver, I found the quotes clustering between $978 and $1,034. The least expensive are Progressive, State Farm, and Grange. Each queried at $978, $1,008, and $1,011 respectfully per year. Or nearly 27% lower than the mean quote for similar age drivers.
Cheapest Car Insurance in Colorado?
Below are the best insurers in Colorado with the lowest rate for drivers from 25 to 55 years of age.
The overall cheapest car insurance companies are Progressive, State Farm, and Grange.
On average they offer quotes from 19 to 31% lower than the “mean” quote for drivers.
In cities such as Denver or Colorado Springs, Grange and Progressive can offer quotes over 35% cheaper than the median quote.
Other carriers offering substantial savings are Auto-Owners, American Family, and GEICO.
Each insurer can offer quotes from 11 to 19% lower than the average premium for similar age drivers.
There are other carriers, such as The Hartford and Colorado Farm Bureau, which aren’t mentioned as much, but should be considered when shopping for your least expensive premium.
With the list you have a blend of 6 to 8 regional and national carriers to help you find the lowest premium possible without sacrificing coverage.
Your results will vary.
| Colorado Company | Average Annual Rate 25 Y/O Driver | 30 Y/O Driver | 35 Y/O Driver | 40 Y/O Driver | 45 Y/O Driver | 55 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 |
Note: A 40-year-old driver in Colorado can find the best options with Progressive and State Farm. I queried each at $812 and $822 per year. Which is nearly 30% lower than the average premium. American Family and Auto-Owners are competitive with prices at $875 and $889 respectfully.
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 Company | Total Premiums | Rate Change | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| Progressive | $785,834 | +2.2% | 17 | 4.3 |
| State Farm | $1,761,224 | +2.4% | 14 | 4.3 |
| Grange | $198,227 | +3.2% | 31 | 3.8 |
| USAA | $613,323 | +2.3% | 8 | 4.5 |
| American Family | $474,298 | +2.5% | 11 | 4.2 |
| Auto Owners | $210,547 | +2.7% | 14 | 4.0 |
| GEICO | $821,326 | +2.6% | 24 | 4.5 |
| Hartford | $165,329 | +2.8% | 12 | 4.2 |
| Nationwide | $267,717 | +2.7% | 9 | 3.9 |
| Colorado Farm Bureau | $118,845 | +3.2% | 7 | 4.0 |
| 21st Century | $115,548 | +3.1% | 2 | 3.8 |
| Unitrin | $76,673 | +3.4% | 1 | 3.6 |
| Allied | $87,386 | +3.4% | 3 | 3.7 |
| Farmers | $318,452 | +2.7% | 14 | 4.0 |
| Liberty Mutual | $313,039 | +2.5% | 15 | 4.2 |
| Amica | $253,215 | +2.8% | 6 | 4.4 |
| Allstate | $821,012 | +2.9% | 20 | 4.3 |
| MetLife | $185,654 | +3.0% | 6 | 4.1 |
Note: A 55-year-old driver can get the best auto insurance with Auto-Owners, American Family, and Progressive. I queried each at $621, $644, and $655 respectfully per year for full coverage. Which is over 30% lower than the average premium for similar age drivers.
Below are tables and 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 calculating 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 Rate | City | Average Rate | City | Average Rate |
|---|---|---|---|---|---|
| Alamosa | $1,439 | Canon City | $1,699 | Hotchkiss | $1,411 |
| Aspen Park | $1,466 | Carbondale | $1,809 | Lafayette | $1,444 |
| Ault | $1,556 | Durango | $1,562 | Lamar | $1,691 |
| Avon | $1,783 | Eagle | $1,678 | Longmont | $1,704 |
| Basalt | $1,641 | Golden | $1,711 | Monte Vista | $1,683 |
| Bennett | $1,411 | Georgetown | $1,431 | Palisade | $1,590 |
| Boulder | $1,649 | Greenwood | $1,459 | Sterling | $1,401 |
| Brighton | $1,701 | Gypsum | $1,558 | Wellington | $1,811 |
Denver, CO
Out of all the cities in the state of Colorado, Denver is one of the more expensive.
If you are looking to save on car insurance the least expensive options are State Farm, Progressive, and Grange.
I queried each at $1,092, $1,1,34, and $1,187 per year for a 30-year-old driver within the Denver metro area.
Which is nearly 41% lower than the median quote for similar age drivers.
A 45- year old can find inexpensive quotes with State Farm, Progressive, and Grange.
I queried each at $877, $888, and $902 respectfully per year for full coverage.
Which is 34% lower than the average premium for similar age drivers.
Both Auto-Owners and American Family offer competitive prices with quotes at $944 and $987 respectfully.
| Denver Company | 30 Y/O Driver | 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 |
Colorado Springs, CO
The average rate for drivers in Colorado Springs is $1,700 per year.
If you are in the market for cheap car insurance, your best options are with Progressive, Grange, and State Farm.
I queried each at $990, $993, and $1,034 per year for a 30-year-old driver.
Which is over 40% lower than the median quote for similar age drivers.
A 45-year old can find inexpensive quotes with Progressive, Grange and State Farm.
I queried each at $765, $786, and $789 respectfully per year for full coverage.
Auto-Owners and American Family are nearly 15% higher with quotes at $912 and $944 respectfully.
| Colorado Springs Company | 30 Y/O Driver | 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 |
Fort Collins, CO
Getting an affordable premium in Fort Collins is easy if you get quotes from Progressive, Auto-Owners, and Grange.
I queried each at $802, $834, and $897 per year for a 30-year-old driver.
Which is 41 to 49% lower than the median quote of $1,600 per year.
A 45-year old can get the least expensive quotes from Progressive, Auto-Owners, and Grange.
I queried each at $689, $699, and $702 respectfully per year for full coverage.
Which is 32% lower than the “mean” quote for similar profile drivers.
With any of the providers in the table you should be able to save from 29 to 40% on your yearly premium.
| Ft. Collins Company | 30 Y/O Driver | 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 |
Pueblo, CO
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.
I queried each at $899, $903, and $987 per year for a 30-year-old driver.
Which is over 40% lower than the “mean” quote for similar age drivers.
American Family offer competitive prices with quotes at $1,097 per year.
A 45-year old’s best options are with Auto-Owners, Grange, and Progressive.
I queried each at $720, $745, and $790 per year for full coverage.
Or approximately 26 to 33% lower than the average premium for drivers in Pueblo.
With the list you have blend of regional and national carriers to find the overall lowest premium with optimum coverage.
| Pueblo Company | 30 Y/O Driver | 45 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 |
Aurora, CO
The top carriers in Aurora for an inexpensive premium are Progressive, Grange, and State Farm.
I queried each at $989, $990, and $1,067 per year for a 30-year-old driver.
Which is nearly 39% lower than the average premium of approximately $1,700 per year in Aurora.
Auto-Owners and American Family offer slightly higher prices with quotes at $1,122 and $1,138 respectfully.
A 45-year old’s best options are with Progressive, Grange, and State Farm,
I queried each at $792, $800, and $856 respectfully per year for full coverage.
Which is 25 to 32% lower than the median quote for similar age drivers in Aurora.
A family of four should be able to get fairly low rates through American Family, State Farm, or Auto-Owners.
| Aurora Company | 30 Y/O Driver | 45 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 |
Westminster, CO
The cheapest providers in Westminster are Progressive, Grange, State Farm.
I queried each at $912, $922, and $948 per year for a 30-year-old driver.
Which is approximately 22% lower than the average premium for drivers in Westminster, Colorado.
A 45-year-old driver can find the best options with Progressive, Grange, and State Farm.
I queried each at $722, $742, and $745 respectfully per year for full coverage.
Or approximately 24% lower than the average premium for similar profile drivers within the city.
| Westminster Company | 30 Y/O Driver | 45 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 |
Loveland, CO
Residents of Loveland can be satisfied with affordable premiums.
The median rate is over $1,600 per year.
Grange is able to offer rates nearly 45% lower with quotes at $803 per year for a 30-year-old driver.
Auto-Owners and Progressive offer competitive prices with quotes at $822 and $867 per year.
All the companies illustrated offer prices at least 20% lower than the average premium for drivers in Loveland.
A 45-year old can find cheap auto insurance with Grange, Auto-Owners, and Progressive.
I queried each at $711, $717, $738 per year for full coverage.
Or more than 31% lower than the “mean” quote for similar profile drivers.
GEICO offers competitive prices with a quote at $768.
| Loveland Company | 30 Y/O Driver | 45 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 |
Arvada, CO
When it comes to auto premiums Arvada has some of the lowest rates around the Denver area.
When I queried for quotes, I found the least expensive to be with Grange, Auto-Owners, and Progressive.
I queried each at $789, $802, and $845 per year for a 30-year-old driver.
Which is nearly 43% lower than the “mean” premium for similar age drivers in Arvada.
For a 45-year old the standout is Grange.
With prices at $644 per year, Grange offers quotes nearly 45% lower than the “mean” quote for similar age drivers.
Other companies to put on your list to get quotes are Auto-Owners and Progressive.
Both carriers offer quotes nearly 40% lower with prices at $703 and $709 respectfully.
| Arvada Company | 30 Y/O Driver | 45 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 |
LaPorte, CO
If you want to get cheaper premium in LaPorte, get quotes from Progressive, Grange, and Auto-Owners.
I queried each at $755, $790, and $798 per year for a 30-year-old driver.
Which is 32% to 37% lower than the median quote for similar profile drivers.
GEICO offers nearly as competitive prices with a quote at $804.
A 45-year old can find the least expensive premiums with Progressive and Grange.
I queried each at $633 and $644 respectfully for full coverage.
Or nearly 38% lower than the average policyholder within the city of LaPorte.
| La Porte Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $755 | $633 |
| Grange | $790 | $644 |
| Auto Owners | $798 | $721 |
| GEICO | $804 | $722 |
| State Farm | $848 | $767 |
| American Family | $906 | $790 |
Windsor, CO
The cheapest insurers I queried for drivers in Windsor are Progressive, Grange, and GEICO.
With quotes at $821, $877, and $898 per year for a 30-year-old driver.
Which is 22% to 28% lower than the median quote of nearly $1,200 per year for drivers in Windsor.
A 45-year old can get the best prices with Progressive and Grange.
I queried each at $704 and $706 per year for full coverage.
Which is approximately 29% lower than the median quote for similar age drivers.
GEICO is the next best option with a quote at $744.
| Windsor Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $821 | $704 |
| Grange | $877 | $706 |
| GEICO | $898 | $744 |
| Auto Owners | $904 | $786 |
| State Farm | $967 | $789 |
| American Family | $989 | $799 |
Bailey, CO
Premiums in Bailey, Colorado are higher than other smaller communities.
If you are in the market for affordable car insurance, get quotes from Progressive, Grange, and GEICO.
I queried each at $878, $904, and $952 per year for a 30-year-old driver.
A 45-year-old driver can enjoy inexpensive quotes with Progressive and Grange.
I queried each at $733 and $755 per year for full coverage.
Which is 23 to 26% lower than the average premium for drivers in Bailey of similar age and profile.
GEICO offers cheap rates with a price at $769 per year.
All of the carriers illustrated are more than 19% lower than the average premium for a 45-year old in Bailey.
| Bailey Company | 30 Y/O Driver | 45 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 |
Resources & Motor Vehicle Information
| Department of Insurance | Department of Transportation | Department 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 |
| Website | Website | Website |
Sources
cfbinsurance.com – Farm Bureau
https://www.iii.org/publications/colorado-firm-foundation
https://www.colorado.gov/consumers
