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
Table of Contents
| 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.
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.
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 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 |
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 < 18 Months | # 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 |
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 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 | La Salle | $1,691 |
| Avon | $1,783 | Eagle | $1,678 | Lafayette | $1,704 |
| Basalt | $1,641 | Golden | $1,711 | Parker | $1,683 |
| Bennett | $1,411 | Greely | $1,431 | Peyton | $1,590 |
| Boulder | $1,649 | Greenwood | $1,459 | Sterling | $1,401 |
| Brighton | $1,701 | Gypsum | $1,558 | Wellington | $1,811 |
Denver, CO
| 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 |
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.
Neat Facts about Denver
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Denver records an average of over 300 days of sunshine per year–more than San Diego or Miami Beach.
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At an elevation of 5,280 feet, Denver is nicknamed the “Mile High City” because it sits exactly one mile above sea level.
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Denver brews more beer than any other city in the nation, with over 200 different beers brewed daily.
Colorado Springs, CO
| 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 |
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 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 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 |
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.
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 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 |
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.
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 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 |
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.
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 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 |
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 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 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 |
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 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 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 |
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 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 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 |
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 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 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 |
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 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 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 |
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 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 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 |
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.
