Colorado Car Insurance [Rates + Cheap Coverage Guide]

Colorado car insurance minimum liability requirements are 25/50/15 for bodily injury and property coverage. On average, Colorado residents spend $982/yr. or $81.83/mo. on car insurance.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Colorado Statistics SummaryDetails
Road MilesTotal in State: 88,740
Vehicle Miles Driven: 4.9 billion
Vehicles Registered: 4.6 million
Total Stolen: 15,891
State Population5,607,154
Most Popular VehicleSubaru Outback
Uninsured Motorists13.3%
State Rank: 19th
Total Driving Fatalities2008-2017
Speeding: 1,867
Drunk Driving: 1,537
Annual Premiums by Coverage TypeCollision: $287
Comprehensive: $174.61
Liability: $520.04

Cheapest ProvidersSafeco and Geico
Get Your Rates Quote Now

Compare RatesStart Now →

Enter a higher state is one of many catchy slogans that Colorado uses to describe itself. It could be referring to one of the famous mountains peaks which dot the topography or the state of those citizens who choose to take advantage of the state’s legalization of marijuana in 2014.

Or they could be talking about the rising costs of car insurance in the state. In fact, according to the Denver Post, Colorado had an increase of 54.2 percent from 2011-2017 in the average insurance premium. Now, if you’re like us, no one wants to pay too much for car insurance, no matter what state we find ourselves in.

What if there was a way to help you save on your car insurance? What if it could save you money? Would you take the time? I bet you would and that’s why we’ve compiled this guide to get you started. Everything you need to know about buying cheap car insurance in Colorado is in this comprehensive guide. Enter your ZIP code above to get started. 

Table of Contents

Colorado Car Insurance Coverage and Rates

The median household income in Colorado in 2017 was over $69.117, and drivers, on average paid over $982 for car insurance. That’s way too high for us! However, you feel about it, we think consumers in the Centennial State are spending way too much money on car insurance.

There has to be a better way.

Below, we have provided information and helpful advice so you can get the best coverage options for your needs.

Colorado Minimum Coverage Requirements*May be waived if rejected. UUM must be rejected in writing. MedPay may be rejected in writing or in the same way you buy insurance.
Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$15,000 per accident
Uninsured/Underinsured Motorist Coverage*$25,000 per person
$50,000 per accident
Medical Payments (MedPay)*$5000
Get Your Rates Quote Now

Compare RatesStart Now →

Okay, you’ve read the numbers, but what do they mean?

What is 25/50/15?

Bodily injury?


We hope you never have to deal with any of these situations or end up in one of these:

But if you do, the basic coverage requirements in Colorado which all motorists must have for liability insurance are:

  • $25,000 to cover death or injury per person
  • $50,000 to cover total death or injury per accident
  • $15,000 to cover property damage per accident

Liability insurance pays all individuals — drivers, passengers, pedestrians, etc. — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes. If you cause a wreck, liability insurance pays everyone affected by the accident.

Required Forms of Financial Responsibility

What is financial responsibility? Basically, financial responsibility is proof that you have Colorado’s minimum liability coverage. State law requires every driver and owner of a vehicle to have proof of financial security at all times.

View as image

Here are a few acceptable forms of proof of financial security in Colorado:

  • Valid Insurance ID Card
  • Electronic proof on a smartphone
  • A letter from an insurance agent or insurer on company letterhead.

Premiums as Percentage of Income in Colorado

The per capita disposable income in Colorado is $36,345. On average, residents spend $982 a year on car insurance. To put this amount in perspective, the countrywide, annual average for car insurance is $981. This means people in Colorado are comparable with the countrywide average but pay more than neighboring states New Mexico and Wyoming who pay yearly amounts of $938 and $844, respectively.

You can also use our calculator to know how much you’re spending on premiums.


Average Monthly Car Insurance Rates in CO (Liability, Collision, Comprehensive)

The main concern of most every motorist in Colorado is the rising cost of insurance? The table below shows data provided by the National Association of Insurance Commissioners which is an agency dedicated to keeping up with the changing costs of car insurance.

Type of CoverageAverage Annual Cost
Full Coverage$981.64
Get Your Rates Quote Now

Compare RatesStart Now →

View as image

Up next, we take a look at loss ratios and what they mean to a company’s bottom line.

Additional Liability Coverage in Colorado

To gauge the financial health of insurance companies, you should look at its loss ratios. Loss ratios are explained as: the money insurance companies pay out on claims compared to the money they take in on premiums is the loss ratio.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $55,000 in claims, the company’s loss ratio is 55 percent ($55,000 incurred losses/$100,000 earned premiums).

Check out the loss ratio for these two types of coverage in Colorado.

Type of Coverage201220132014
Medical Payments (MedPay) 85.64%82.53%77.44%
Uninsured/Underinsured Motorist Coverage96.63%96.81%95.82%
Get Your Rates Quote Now

Compare RatesStart Now →

You may want to consider adding additional coverage to your insurance plans, to avoid paying out of pocket in the event of an accident. Without additional coverage, medical bills and payments could reach well into the thousands of dollars for those affected by an uninsured driver and force some into financial difficulty.

Add-ons, Endorsements, and Riders

No one wants to have a car wreck, but if you are, do you have enough protection for you and your family? Have you considered adding extra coverages to your policy? Do you even know what’s out there?  Choosing from a list of options can be daunting, and we know you want the best options for your family at the best price.

To help you decide, we’ve made a list of affordable options to add to your policy. Click on the selections below to learn more about them:

Any of the above coverages would be beneficial to add to your policy, so make sure to discuss any options you are interested in with your insurance provider.

Male vs Female Rates in Colorado wrote an article which says women pay $100,000 more for the same products as men do. In fact, gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender neutral insurance plans.

Up next, we partnered with Quadrant to show you rates that various folks in Colorado pay for car insurance.

CompanyMarried 35-year old female Annual RatesMarried 35-year old male Annual RatesMarried 60-year old female Annual RatesMarried 60-year old male Annual RatesSingle 17-year old female Annual RatesSingle 17-year old male Annual RatesSingle 25-year old female Annual RatesSingle 25-year old male Annual Rates
Allstate F&C$3,397.34$3,180.33$3,056.13$3,088.23$11,732.84$12,322.40$3,748.22$3,771.84
American Family Mutual$2,552.17$2,552.17$2,302.28$2,302.28$6,182.18$8,292.20$2,552.17$3,128.70
Farmers Ins Exchange 2.0$3,095.55$3,068.12$2,804.12$3,023.70$11,703.79$11,788.62$3,401.12$3,436.88
Geico Cas$1,962.23$2,140.86$2,069.94$2,343.70$6,116.54$6,472.19$1,797.35$1,830.71
Safeco Ins Co of America$1,859.15$1,810.08$1,578.98$1,736.25$5,559.53$6,061.99$1,877.93$1,897.98
AMCO Insurance$2,490.00$2,536.58$2,226.47$2,354.68$6,292.06$8,057.66$2,863.59$3,094.73
Progressive Direct$2,593.20$2,426.75$2,250.01$2,245.05$8,765.26$9,802.10$2,926.11$2,846.92
State Farm Mutual Auto$2,048.74$2,048.74$1,842.60$1,842.60$5,901.90$7,471.21$2,293.13$2,717.20
USAA CIC$2,232.85$2,232.55$2,126.52$2,134.62$5,582.30$6,398.91$2,873.09$3,130.10
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see from the data, teen drivers pay thousands more than older drivers do for car insurance. Among the major carriers, State Farm has the cheapest rates when it comes to teen drivers. While Geico has the lowest increase from young to older drivers. As with all such information, your rates may be different depending on your location and other circumstances.

View as image

One thing that’s often overlooked is that the difference in costs is often not so much associated with gender, but more so with age. Younger males are typically charged higher rates, since they are more likely to be reckless, but as time passes and the insured get older, the gap shrinks and rates go down.

Cheapest Rates by ZIP Code

Rates also vary by area. The table below shows which ZIP codes in Colorado have the cheapest rates.

Cheapest ZIP Codes in Colorado CityAverage Annual Rates by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
81504GRAND JUNCTION$3,291.13Allstate$5,559.67Farmers$4,321.67GEICO$2,158.40Liberty Mutual$2,350.84
81505GRAND JUNCTION$3,299.49Allstate$5,559.67Farmers$4,391.99GEICO$2,106.05Liberty Mutual$2,360.44
81507GRAND JUNCTION$3,312.39Allstate$5,559.67Farmers$4,300.31GEICO$2,236.13Liberty Mutual$2,360.44
81501GRAND JUNCTION$3,314.33Allstate$5,134.33Farmers$4,336.53GEICO$2,236.13Liberty Mutual$2,434.26
80535LAPORTE$3,327.82Farmers$4,375.65Allstate$4,199.55Liberty Mutual$2,280.34USAA$2,837.72
81521FRUITA$3,330.77Allstate$5,559.67Farmers$4,352.53GEICO$2,106.05State Farm$2,610.96
80525FORT COLLINS$3,334.66Farmers$4,695.19Allstate$4,308.76Liberty Mutual$2,448.71USAA$2,707.04
81520CLIFTON$3,336.43Allstate$5,559.67Farmers$4,381.59GEICO$2,106.05Liberty Mutual$2,350.84
81503GRAND JUNCTION$3,338.85Allstate$5,559.67Farmers$4,452.48GEICO$2,158.40Liberty Mutual$2,360.44
81525MACK$3,344.40Allstate$5,431.16Farmers$4,591.98GEICO$2,106.05Liberty Mutual$2,551.75
81524LOMA$3,344.96Allstate$5,431.16Farmers$4,439.13GEICO$2,106.05Liberty Mutual$2,375.76
81506GRAND JUNCTION$3,346.16Allstate$5,559.67Farmers$4,308.80GEICO$2,158.40Liberty Mutual$2,434.26
80521FORT COLLINS$3,347.76Farmers$4,523.55Allstate$4,199.55Liberty Mutual$2,415.11GEICO$2,799.30
80537LOVELAND$3,361.47Farmers$4,562.20Allstate$4,377.44Liberty Mutual$2,555.08GEICO$2,746.43
80526FORT COLLINS$3,361.56Farmers$4,637.80Allstate$4,199.55Liberty Mutual$2,361.92GEICO$2,799.30
80538LOVELAND$3,366.63Farmers$4,650.88Allstate$4,319.84Liberty Mutual$2,603.47GEICO$2,746.43
81526PALISADE$3,381.38Allstate$5,431.16Farmers$4,485.57GEICO$2,158.40Liberty Mutual$2,603.97
80528FORT COLLINS$3,393.99Farmers$4,632.36Allstate$4,319.84Liberty Mutual$2,448.71USAA$2,749.54
80524FORT COLLINS$3,397.23Farmers$4,678.84Allstate$4,558.04Liberty Mutual$2,415.11USAA$2,707.04
81401MONTROSE$3,417.08Allstate$5,235.78Farmers$4,581.77GEICO$2,159.83Liberty Mutual$2,711.63
80549WELLINGTON$3,419.33Allstate$4,571.00Farmers$4,517.83Liberty Mutual$2,574.62State Farm$2,743.35
81523GLADE PARK$3,420.49Allstate$5,559.67Farmers$4,510.33GEICO$2,236.13Liberty Mutual$2,562.30
81403MONTROSE$3,421.86Allstate$5,235.78Farmers$4,525.94GEICO$2,159.83Liberty Mutual$2,711.63
80547TIMNATH$3,423.02Farmers$4,978.52Allstate$4,308.76Liberty Mutual$2,448.71GEICO$2,758.74
81527WHITEWATER$3,432.47Allstate$5,577.83Farmers$5,055.56GEICO$2,158.40Liberty Mutual$2,386.31
Get Your Rates Quote Now

Compare RatesStart Now →

Grand Junction has a number of the cheapest ZIP codes. As for which ZIP codes will cost you the most, they can be found in the next table.

Most Expensive ZIP Codes in Colorado CityAverage Annual Rates by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
80219DENVER$4,762.40Allstate$6,635.51Farmers$6,600.49USAA$3,345.01Liberty Mutual$3,514.27
80223DENVER$4,757.54Farmers$6,750.80Allstate$6,481.50Liberty Mutual$3,591.58GEICO$3,680.74
80010AURORA$4,722.91Allstate$6,709.57Farmers$6,345.60Liberty Mutual$3,454.53USAA$3,525.81
80230DENVER$4,693.01Allstate$6,939.29Farmers$5,866.11Liberty Mutual$3,477.44USAA$3,530.73
80012AURORA$4,677.64Allstate$6,831.76Farmers$5,996.27USAA$3,530.73Liberty Mutual$3,565.22
80246DENVER$4,673.75Allstate$6,913.77Farmers$6,273.18Liberty Mutual$3,309.16USAA$3,516.53
80204DENVER$4,672.66Allstate$6,481.50Farmers$6,153.74Liberty Mutual$3,560.88USAA$3,657.89
80220DENVER$4,642.72Allstate$6,744.02Farmers$6,276.00Liberty Mutual$3,413.46USAA$3,530.73
80247DENVER$4,642.34Allstate$6,831.76Farmers$5,763.39Liberty Mutual$3,442.19USAA$3,530.73
80045AURORA$4,620.43Allstate$6,709.57Farmers$5,817.07Liberty Mutual$3,454.53USAA$3,530.73
80239DENVER$4,581.88Allstate$6,523.66Farmers$5,864.52Liberty Mutual$3,441.92USAA$3,525.81
80203DENVER$4,567.76Allstate$6,411.14Farmers$6,104.04Liberty Mutual$3,292.91GEICO$3,369.30
80011AURORA$4,550.80Allstate$6,523.66Farmers$5,979.90USAA$3,244.30Liberty Mutual$3,442.19
80047AURORA$4,547.13Allstate$6,074.05Farmers$5,683.22Liberty Mutual$3,565.22State Farm$3,687.16
80207DENVER$4,527.63Farmers$6,369.66Allstate$5,928.00Liberty Mutual$3,406.04USAA$3,530.73
80206DENVER$4,526.04Farmers$6,145.16Allstate$5,853.97Liberty Mutual$3,368.61GEICO$3,369.30
80014AURORA$4,525.03Allstate$6,565.34Farmers$6,007.98Liberty Mutual$3,155.03USAA$3,504.28
80218DENVER$4,521.67Allstate$6,283.66Farmers$6,002.72Liberty Mutual$3,321.71GEICO$3,322.81
80216DENVER$4,519.40Farmers$6,451.96Allstate$6,074.49Liberty Mutual$3,315.08GEICO$3,544.79
80224DENVER$4,505.94Allstate$6,496.63Farmers$6,063.86Liberty Mutual$3,389.52USAA$3,504.28
80017AURORA$4,500.52Allstate$6,671.40Farmers$5,906.67Liberty Mutual$3,402.15USAA$3,405.74
80202DENVER$4,497.08Allstate$6,296.06Farmers$6,112.84Liberty Mutual$3,352.37GEICO$3,414.64
80231DENVER$4,475.84Allstate$6,496.63Farmers$5,769.53Liberty Mutual$3,429.51USAA$3,530.73
80211DENVER$4,464.23Allstate$6,086.89Farmers$6,033.88GEICO$3,243.61Liberty Mutual$3,369.71
Get Your Rates Quote Now

Compare RatesStart Now →

We can compare ZIP codes across the state below.

View as image

Almost all of the most expensive ZIP codes can be found in Denver.

Cheapest Rates by City

Since the cheapest and most expensive ZIP codes are grouped in just a few cities, we want to broaden the search and look at cities’ car insurance rates.

Cheapest Cities in Colorado Average Annual Rates by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Clifton$3,313.78Allstate$5,559.67Farmers$4,351.63GEICO$2,132.23Liberty Mutual$2,350.84
Grand Junction$3,322.24Allstate$5,474.60Farmers$4,358.02GEICO$2,179.02Liberty Mutual$2,389.97
Laporte$3,327.82Farmers$4,375.65Allstate$4,199.55Liberty Mutual$2,280.34USAA$2,837.72
Fruita$3,330.77Allstate$5,559.67Farmers$4,352.53GEICO$2,106.05State Farm$2,610.96
Mack$3,344.40Allstate$5,431.16Farmers$4,591.98GEICO$2,106.05Liberty Mutual$2,551.75
Loma$3,344.96Allstate$5,431.16Farmers$4,439.13GEICO$2,106.05Liberty Mutual$2,375.76
Loveland$3,366.63Farmers$4,650.88Allstate$4,319.84Liberty Mutual$2,603.47GEICO$2,746.43
Palisade$3,381.38Allstate$5,431.16Farmers$4,485.57GEICO$2,158.40Liberty Mutual$2,603.97
Fort Collins$3,388.15Farmers$4,696.20Allstate$4,352.61Liberty Mutual$2,417.45USAA$2,757.68
Wellington$3,419.32Allstate$4,571.00Farmers$4,517.83Liberty Mutual$2,574.62State Farm$2,743.35
Montrose$3,419.47Allstate$5,235.78Farmers$4,553.86GEICO$2,159.83Liberty Mutual$2,711.63
Glade Park$3,420.49Allstate$5,559.67Farmers$4,510.33GEICO$2,236.13Liberty Mutual$2,562.30
Timnath$3,423.02Farmers$4,978.52Allstate$4,308.76Liberty Mutual$2,448.71GEICO$2,758.74
Berthoud$3,425.56Allstate$4,665.40Farmers$4,491.22Liberty Mutual$2,618.43GEICO$2,705.72
Whitewater$3,432.47Allstate$5,577.83Farmers$5,055.56GEICO$2,158.40Liberty Mutual$2,386.31
Masonville$3,433.77Farmers$4,786.19Allstate$4,291.74Liberty Mutual$2,603.47GEICO$2,858.45
Delta$3,436.14Allstate$5,752.64Farmers$4,616.66GEICO$2,107.48Liberty Mutual$2,494.42
Gateway$3,452.59Allstate$5,449.29Farmers$4,796.02GEICO$2,288.48Liberty Mutual$2,562.30
Evans$3,468.17Allstate$5,069.20Farmers$4,680.78Liberty Mutual$2,446.28GEICO$2,553.81
Glen Haven$3,468.96Farmers$4,916.37Allstate$4,291.74Liberty Mutual$2,618.37GEICO$2,879.57
Olathe$3,473.78Allstate$5,571.82Farmers$4,793.37GEICO$2,159.83Liberty Mutual$2,542.41
Austin$3,481.55Allstate$5,449.29Farmers$4,803.01GEICO$2,237.56State Farm$2,581.05
Monte Vista$3,488.11Allstate$5,021.13Farmers$4,822.69GEICO$2,533.48Liberty Mutual$2,599.59
Drake$3,488.53Farmers$4,987.95Allstate$4,291.74Liberty Mutual$2,618.37GEICO$2,879.57
Cimarron$3,499.94Allstate$5,235.78Farmers$4,336.23State Farm$2,717.05Liberty Mutual$2,734.33
Get Your Rates Quote Now

Compare RatesStart Now →

The next table shows which cities have the most expensive car insurance rates.

Most Expensive Cities in Colorado Average Annual Rates by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Aurora$4,485.52Allstate$6,378.06Farmers$5,847.54Liberty Mutual$3,300.77USAA$3,457.18
Denver$4,451.50Allstate$6,122.07Farmers$6,017.55Liberty Mutual$3,345.16GEICO$3,449.52
Boone$4,416.55Allstate$6,195.05Farmers$5,955.20Liberty Mutual$2,782.94GEICO$3,359.96
Edgewater$4,413.46Farmers$6,279.67Allstate$6,091.35Liberty Mutual$3,136.43USAA$3,400.44
Conifer$4,356.88Allstate$6,303.70Farmers$5,645.34Liberty Mutual$2,816.90USAA$3,577.09
Pueblo$4,351.79Allstate$6,223.13Farmers$5,783.22Liberty Mutual$3,135.55GEICO$3,382.29
Kittredge$4,345.37Allstate$6,303.70Farmers$5,735.63Liberty Mutual$3,023.84USAA$3,281.91
Blende$4,307.21Allstate$6,286.45Farmers$5,462.17Liberty Mutual$3,128.26GEICO$3,359.96
Avondale$4,286.82Allstate$6,244.99Farmers$5,848.93Liberty Mutual$3,067.77GEICO$3,359.96
Pine$4,286.70Allstate$6,227.20Farmers$5,552.36Liberty Mutual$2,775.42USAA$3,350.30
Evergreen$4,275.74Allstate$6,303.70Farmers$5,490.26Liberty Mutual$3,023.84Nationwide$3,512.42
Cherry Hills Village$4,274.05Farmers$6,150.27Allstate$5,954.43Liberty Mutual$3,261.13GEICO$3,375.68
Berkley$4,258.11Farmers$5,906.16Allstate$5,785.95Liberty Mutual$3,185.40GEICO$3,219.53
Beulah$4,258.06Allstate$6,153.61Farmers$5,941.29Liberty Mutual$3,078.33American Family$3,353.48
Dupont$4,256.69Allstate$6,074.49Farmers$5,865.45Liberty Mutual$3,047.65GEICO$3,160.61
Kiowa$4,237.52Farmers$5,700.89Allstate$5,428.33Liberty Mutual$2,768.05GEICO$3,618.34
Pueblo West$4,237.11Allstate$6,244.99Farmers$5,447.51Liberty Mutual$3,149.36GEICO$3,268.81
Deer Trail$4,231.16Farmers$6,520.12Allstate$5,470.96Liberty Mutual$2,838.41State Farm$3,395.95
Calhan$4,227.68Farmers$5,999.58Allstate$5,669.62Liberty Mutual$2,646.84USAA$3,494.59
Fort Carson$4,204.82Allstate$6,083.85Farmers$5,557.52Liberty Mutual$2,867.51State Farm$3,357.87
Idaho Springs$4,194.17Allstate$6,032.22Farmers$5,510.99Liberty Mutual$3,168.00GEICO$3,170.65
Yoder$4,188.72Allstate$5,685.45Farmers$5,647.34Liberty Mutual$2,646.84State Farm$3,548.46
Indian Hills$4,187.74Farmers$5,975.56Allstate$5,645.56Liberty Mutual$2,975.13USAA$3,281.91
Lakewood$4,174.68Allstate$6,070.40Farmers$5,830.34Liberty Mutual$3,093.81GEICO$3,205.94
Buffalo Creek$4,171.50Farmers$5,663.46Allstate$5,569.05Liberty Mutual$2,929.81USAA$3,350.30
Get Your Rates Quote Now

Compare RatesStart Now →

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

The Best Colorado Car Insurance Companies

From Pike’s Peak to the Garden of the Gods, folks in Colorado have numerous opportunities to hike and explore ridges, plateaus, and other lofty places. One thing we know for sure is that most of those folks would rather be out exploring, instead of looking and searching for cheaper rates on car insurance.

That’s why we’ve done all of the work for you and researched the best insurance carriers in Colorado, so you can make the best choice for your situation. We’ve looked at companies’ financial ratings, AM’s best ratings, and which companies have the most complaints.

Keep reading to learn about Colorado’s auto insurance providers.

The Largest Companies’ Financial Ratings

Loss ratios play a large part in how secure a company is doing financially. That’s why we want to include AM Best ratings, which look at loss ratios to determine if a company has solid financial security.

So to see how the 10 largest companies in Colorado are doing, we’ve included the AM Best ratings for each.

CompanyAM Best Rating
State FarmA++
American FamilyA
Liberty MutualA
Get Your Rates Quote Now

Compare RatesStart Now →

Companies with the Best Ratings

A good financial rating means the insurance carrier has the funds available to pay any claims. But customer service is also an important part of any company, from restaurants to car insurance companies. That’s why we’ve looked at companies with the best overall customer satisfaction ratings.

Check out these ratings from J. D. Power.

Southwest region JD power

State Farm ranks near the top of the list — proving that State Farm is great at customer satisfaction.

Just because a company has a good rating for financial stability doesn’t mean their customers are always happy.

Let’s check out their record of official complaints.

Companies with the Most Complaints in Colorado

Keep in mind that a high complaint index doesn’t necessarily mean you should avoid a company. You should also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.

Company NameTotal ComplaintsConfirmed ComplaintsComplaint RatioCompany NameTotal ComplaintsConfirmed ComplaintsComplaint Ratio
Occidental Fire & Casualty 21512.36Financial Indemnity 811.03
Young America 39152.74Permanent General of Ohio49150.95
Loya 76272.49Safeway 1950.91
Mendota 28132.45Central Mutual 410.88
National General 1131.78Nationwide Affinity 830.85
Alpha Property & Casualty621.39Nationwide Mutual 1020.84
Arizona Automobile 4181.37IDS Property Casualty 1430.79
Twin City Fire 4421.18Liberty Mutual Fire 1030.78
Permanent General 721.16Viking Insurance 410.75
Get Your Rates Quote Now

Compare RatesStart Now →

If a car insurance company’s complaint index is lower than one, they are better than the average. If the index is higher than one, they are worse than the average. Occidental Fire and Casualty and Young America have the highest complaint ratios in Colorado.

Cheapest Companies in Colorado

Nobody likes to be considered cheap, except when it comes to finding cheaper car insurance. In order to save money, you should be shopping around to see what’s available. The chart and table below displays the top carriers in Colorado with their average rate for all drivers and compares it to the state average of all companies.

View as image

CompanyAverageCompared to State Average (+/-)Compared to State Average (%)
Allstate F&C$5,537.17$1,644.8529.71%
American Family Mutual$3,733.02-$159.30-4.27%
Farmers Ins Exchange 2.0$5,290.24$1,397.9226.42%
Geico Cas$3,091.69-$800.63-25.90%
Safeco Ins Co of America$2,797.74-$1,094.58-39.12%
AMCO Insurance$3,739.47-$152.85-4.09%
Progressive Direct$4,231.92$339.608.02%
State Farm Mutual Auto$3,270.76-$621.56-19.00%
USAA CIC$3,338.87-$553.45-16.58%
Total Average$3,892.32$0.000.00%
Get Your Rates Quote Now

Compare RatesStart Now →

Looking at different providers can save a lot of money. For example, Geico is $800 BELOW the state average, which, over time, could add up to thousands of dollars saved.

Commute Rates

At some companies, how far you commute each day influences your insurance rates. Beyond age, gender, location, marital status, and carrier, other factors that affect your quoted rates from each carrier are those that are specific to your individual situation such as how much coverage you want, credit history, and driving record.

View as image

The tables below compare such factors based on each carrier.

GroupDaily CommuteAnnual MileageAnnual Average
Allstate10 miles6,000$5,537.17
Allstate25 miles 12,000$5,537.17
American Family10 miles 6,000$3,653.11
American Family25 miles 12,000$3,812.93
Farmers10 miles 6,000$5,290.24
Farmers25 miles 12,000$5,290.24
Geico10 miles6,000$3,025.45
Geico25 miles 12,000$3,157.93
Liberty Mutual10 miles 6,000$2,797.74
Liberty Mutual25 miles 12,000$2,797.74
Nationwide10 miles6,000$3,739.47
Nationwide25 miles12,000$3,739.47
Progressive10 miles 6,000$4,231.92
Progressive25 miles 12,000$4,231.92
State Farm10 miles 6,000$3,190.31
State Farm25 miles 12,000$3,351.22
USAA10 miles 6,000$3,244.04
USAA25 miles 12,000$3,433.70
Get Your Rates Quote Now

Compare RatesStart Now →

Most company rates don’t change when the drive is shortened to a 10-mile commute, except for Geico, who offers rate reductions over $125.

Up next, a break-down of coverage level rates in Colorado.

Coverage Level Rates

Do you need better coverage, but hate to spend any more money? You may be surprised some companies offer more coverage with economical increases in rates.

GroupCoverage TypeAnnual Average
American FamilyHigh$3,842.92
American FamilyMedium$3,809.91
American FamilyLow$3,546.22
Liberty MutualHigh$2,969.02
Liberty MutualMedium$2,787.15
Liberty MutualLow$2,637.04
State FarmHigh$3,487.06
State FarmMedium$3,272.35
State FarmLow$3,052.89
Get Your Rates Quote Now

Compare RatesStart Now →

For example, the data above shows Liberty Mutual and Nationwide have less than $300 increases from low to high coverage.

Credit History Rates by Companies

The quality of your credit score impacts your insurance rates. In Colorado, the average credit score is 688, which is above the nationwide average of 675. Basically, this means motorists have an excellent chance of getting great rates because of their above-average credit scores.

The table below shows what you can expect to pay yearly on car insurance based on your credit history.

GroupCredit HistoryAnnual Average
American FamilyPoor$4,850.67
American FamilyFair$3,452.49
American FamilyGood$2,895.90
Liberty MutualPoor$3,999.04
Liberty MutualFair$2,446.38
Liberty MutualGood$1,947.80
State FarmPoor$4,541.00
State FarmFair$2,918.53
State FarmGood$2,352.76
Get Your Rates Quote Now

Compare RatesStart Now →

If you have insurance through Allstate and have poor credit, you can expect to pay nearly $3000 more for car insurance than someone with good credit.

Driving Record Rates

A clean driving record is the EASIEST way to keep rates down. As you can see from the information below, at Liberty Mutual, just one speeding violation can raise your rate by over $400.

Cost by Company with Different Driving RecordDriving RecordAnnual Cost
AllstateClean record$4,723.09
American FamilyClean record$2,762.77
FarmersClean record$4,468.57
GeicoClean record$2,184.55
Liberty MutualClean record$2,450.68
NationwideClean record$2,872.86
ProgressiveClean record$3,665.41
State FarmClean record$3,008.73
USAAClean record$2,439.12
AllstateWith 1 accident$5,431.34
American FamilyWith 1 accident$3,915.14
FarmersWith 1 accident$5,743.39
GeicoWith 1 accident$3,395.15
Liberty MutualWith 1 accident$2,869.91
NationwideWith 1 accident$3,930.20
ProgressiveWith 1 accident$5,115.10
State FarmWith 1 accident$3,532.80
USAAWith 1 accident$2,973.13
AllstateWith 1 DUI$6,643.37
American FamilyWith 1 DUI$5,122.27
FarmersWith 1 DUI$5,665.21
GeicoWith 1 DUI$3,928.75
Liberty MutualWith 1 DUI$2,978.75
NationwideWith 1 DUI$4,991.57
ProgressiveWith 1 DUI$3,869.05
State FarmWith 1 DUI$3,270.76
USAAWith 1 DUI$5,192.84
AllstateWith 1 speeding violation$5,350.87
American FamilyWith 1 speeding violation$3,131.89
FarmersWith 1 speeding violation$5,283.78
GeicoWith 1 speeding violation$2,858.30
Liberty MutualWith 1 speeding violation$2,891.61
NationwideWith 1 speeding violation$3,163.26
ProgressiveWith 1 speeding violation$4,278.14
State FarmWith 1 speeding violation$3,270.76
USAAWith 1 speeding violation$2,750.39
Get Your Rates Quote Now

Compare RatesStart Now →

A better record equals better rates. We encourage you to obey posted speed limit signs and NOT drink and drive.

Largest Car Insurance Companies in Colorado

View as image

CompanyDirect Premiums WrittenLoss RatioMarket Share
State Farm Group $906,918 77.60% 19.81%
USAA Group $467,079 86.16% 10.20%
Geico $452,585 98.99% 9.89%
Progressive Group $440,274 69.82% 9.62%
Allstate Insurance Group $388,445 78.44% 8.49%
American Family Insurance Group $384,892 100.38% 8.41%
Farmers Insurance Group $330,473 63.89% 7.22%
Liberty Mutual Group $319,166 86.69% 6.97%
Travelers Group $129,187 191.67% 2.82%
Nationwide Corp Group $91,547 86.32% 2.00%
Get Your Rates Quote Now

Compare RatesStart Now →

Number of Property and Casualty Insurance Companies in Colorado

Domestic insurance means a company is formed under Colorado’s state laws, whereas a foreign provider is formed under the laws of any state in the country.

  • Domestic Insurers: 10
  • Foreign Insurers: 848

Comparing quotes will help you know where to get started. Once you find the company that offers the best rates to you, do some more research into their financial rating, customer satisfaction rating, and complaint ratios. Then, you can confidently choose your insurer.

Laws in Colorado

Break a leg? You may have heard that saying before wishing someone good luck before a performance. But in Colorado, where skiing is one of the top activities in the state, it has a whole new meaning.

According to state law in Vail:

Avoid Obstacles: Each skier shall stay clear of snow-grooming equipment, all vehicles, lift towers, signs, and any other equipment on the ski slopes and trails.

Well, duh…

Nobody wants to crash into anything, let alone a snow plow careening down a hill at 60 mph, and you’ll probably end up with more than a broken leg. Not only will you be recovering from your injuries, but your wallet will be recovering from the citation you might receive from trying to take out an Aspen tree.

We know, state laws are odd and sometimes confusing and vary from state to state. New residents may receive tickets for laws they didn’t know existed.

Next, we help you uncover what the laws are, so check out our roundup of Colorado’s driving laws.

Colorado’s Car Insurance Laws

Insurance companies are subject to certain rules and regulations.

Let’s look at some of the specific laws for consumers regarding car insurance.

High-Risk Insurance

If you have a bad driving record, it may be difficult to find an insurance company that is willing to insure you as a driver. Luckily, in most states, insurance companies have made programs available to provide affordable coverage for those who are high-risk drivers.

In Colorado, this program is known as the Colorado Automobile Insurance Plan.

According to Colorado’s DMV:

 “The plan is a voluntary agreement between the state and all auto insurers licensed in Colorado. The deal is that if an insurer wants to do ANY auto insurance business in Colorado, then that insurer must agree to cover a share of high risk drivers when they are assigned.”

Colorado is one of several states that comprise an association of auto plans referred to as the Western Association of Automobile Insurance Plans (WAAIP). WAAIP is a processing center where people who have trouble buying automobile insurance are put in touch with an insurance company which will insure them.

Low-Cost Insurance

Some states have programs set up for those who receive benefits from government assistance programs, or those who have a combined family income that is below the poverty level. Unfortunately, Colorado has no such plan in place. In order to obey the law, you must carry the minimum liability coverage.

Automobile Insurance Fraud in Colorado

What is automobile insurance fraud?

  • Creating a claim for damages or injuries that NEVER occurred (such as faking an accident)
  • Adding “extra” costs onto a claim that is legitimate

Colorado has employed an Insurance Fraud Unit to investigate fraudulent activity throughout the state.

Committing insurance fraud can result in fines and/or jail time.

Statute of Limitations

If you are in a car accident in Colorado, there is a statute of limitations if you want to file a claim.

  • Property Damage – Three Years
  • Bodily Injury – Three Years

Colorado’s Vehicle Licensing Laws

Colorado, just like every other state, has mandatory licensing laws in addition to the statute of limitations and car insurance laws, which we previously covered.


Colorado is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by Colorado is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification.

Penalties For Driving Without Insurance

Colorado has a Motorist Insurance Information Database (MIIDB) program to which the police and DMV have access. Registration information is updated in the MIIDB daily and insurance information is updated weekly or more.

PenaltyFirst OffenseSecond Offense
Fine$500 minimum$1,000 minimum
License SuspensionUntil you show proof of insurance to the DMV Four months
Community ServicePossible up to 40 hoursPossible up to 40 hours
Get Your Rates Quote Now

Compare RatesStart Now →

Proof of Insurance
The following forms of proof of insurance are accepted in Colorado

  • Electronic – picture of a current insurance card or pdf file of coverage on a phone, tablet, or another electronic device
  • Insurance Card
  • Declaration Page
  • Letter/Binder – From the insurance company on their letterhead

It’s important to keep physical proof of insurance in Colorado.

Teen Driver Laws

To begin driving in Colorado, teens must be 15 and enrolled and attending in a driving class to apply for a learner’s license. Before teens can apply for a regular license or a restricted license, the Insurance Institute for Highway Safety (IIHS) specifies that teens must meet the requirements below.

RestrictionsLearner's PermitRestricted LicenseUnrestricted License
Age15 - if enrolled, attending, and participating in driver's ed
15 1/2 - if completed a four-hour driver-awareness course
16 - if none of above
If under 18, one year after obtaining learner's permit17 - if held restricted license 12 months
18 - otherwise
PassengersMust be supervised by a licensed parent/guardian or their licensed adult appointeeFirst six months - no passengers under 21
Second six months - limit of one passenger under 21
(exceptions: siblings, family emergencies)
No restrictions
HoursNo restrictionsFirst year - no driving between midnight and 5 a.m. (exceptions: presence of a parent/guardian, driving to and from school activities or work, family emergency, being an emancipated teen)No restrictions
Cell phone useForbiddenForbiddenForbidden if under 18
Pre-requisitesIf under 18, parent or guardian must sign an affidavit of liabilityCompletion of 50 hours supervised driving, 10 of which at nightIf under 18, holding a restricted license for one year
Get Your Rates Quote Now

Compare RatesStart Now →

Older Driver License Renewal Procedures

Older drivers in Colorado have to renew their license every five years, which is the same renewal procedure as the general population.

The only difference is how they can renew. The exceptions to getting a license renewed in person are as follows:

  • General population – limited to two consecutive renewals online before having to go in person or every other renewal by mail
  • Over 66 years old – every other renewal may be by mail

New Residents

Considering a move to Colorado? Here are the guidelines for getting a new Colorado driver’s license.

The Colorado DMV website says you need a Colorado license within 30 days of residency. The residency requirements are as follows:

  • Own or operate a business in Colorado OR
  • Are gainfully employed in Colorado OR
  • Reside in Colorado for 90 consecutive days

Your valid driver license from your previous state of residence should be enough for you not to have to take a driving or written exam. When you go to the DMV to get a Colorado license, be prepared with the following documentation:

  • A valid driver license from the previous state of residence
  • Proof of your social security number
  • Two proofs of current Colorado address
  • Proof of lawful presence
  • Money for fees

Also, proof of adequate vision is required for driver licenses and permits
After becoming a Colorado resident, you must register your vehicle within 90 days.

License Renewal

Driver licenses must be renewed every five years. You should not wait until your license expires.

Renewals may be completed online, in person, or by mail. There are restrictions on renewing online or by mail:

  • May renew by mail only every other renewal
  • Limited to two times in a row renewing online
  • Those 66 years and older are limited to renewing by mail every other renewal at most

Colorado Rules of the Road

We all should obey the rules, but if you’re new to the state, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several important laws to help keep you in good standing and on the road.

Fault vs. No-Fault

Colorado is a fault-based state which means if you are the cause of a car accident, you are responsible for any damage caused.

Seat Belt and Car Seat Laws

All passengers in the front seat of a vehicle driven in Colorado must be wearing a seat belt. Additionally, children 16 years and younger are required to be properly restrained no matter where they are sitting.

Currently, riding in the cargo section of a pick-up truck is prohibited unless the cargo area is fully or partially enclosed on all four sides.

Keep Right and Move Over Laws

Colorado traffic laws mandate that you must keep right when traveling slower than the average speed of traffic around you. Generally, the left lane is for faster traffic and passing.

Speed Limits

Maximum posted speed limits are 75 mph on rural interstates, 65 mph on urban interstates, 65 mph on limited access roads and 65 mph on all other roads.


Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance that meets the minimum requirements. However, if drivers wish to purchase a commercial insurance policy, these are the companies who provide coverage.

  • Allstate
  • American Family
  • Farmers
  • Geico
  • MetLife
  • Safeco
  • State Farm
  • USAA

The state of Colorado was the first to pass a regulatory bill for ridesharing companies in 2014.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Colorado does allow the deployment of autonomous vehicles with no restrictions on having an operator in the vehicle.

Safety Laws

Up next, we take a closer look at the safety laws in Colorado, so you can arrive alive. Please don’t drink and drive.

DUI Laws

Driving while impaired has disastrous results for everyone involved, that’s why strict laws are in place to prevent such tragedies. In Colorado alone, drunk driving caused 177 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

Below, we’ve listed the details about Colorado’s impaired driving laws.

0.05 - DWAI, 0.08 - DUI0.15-0.2; 0.2+1st-3rd misdemeanors, 4th+ class 4 felony.Driving Under the Influence (DUI)No Official Period
Get Your Rates Quote Now

Compare RatesStart Now →

The penalties get worse with each subsequent offense.

Marijuana-Impaired Driving Laws

Driving under the influence of drugs is illegal and is subject to the same penalties as driving under the influence of alcohol. Because controlled amounts of marijuana consumption are legal in Colorado, permissible inference of 5 nanograms of THC is permissible.

Distracted Driving Laws

Text messaging while driving is prohibited for all drivers. Persons under 18 are prohibited from using a wireless telephone while driving.

Driving in Colorado

Now that you have a good understanding of Colorado state laws, let’s dive into some facts that you might not know. While insurance is important, it’s also crucial to know what to keep your eyes out for on the road.

Vehicle Theft in Colorado

Believe it or not, over 15,891 vehicle thefts occurred in 2016 alone in Colorado. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently, and thus, may have higher insurance rates.

Here’s a list of the top ten stolen vehicles in Colorado.

Make/ModelModel YearThefts
Honda Civic19971,380
Honda Accord19971,167
Ford Pickup (Full Size)2005595
Jeep Cherokee/Grand Cherokee1999594
Chevrolet Pickup (Full Size)2000450
Dodge Pickup (Full Size)2001308
Subaru Legacy1996215
Acura Integra1994208
Toyota Camry1989203
Toyota Corolla2014170
Get Your Rates Quote Now

Compare RatesStart Now →

The Honda Civic is the most stolen vehicle in Colorado.

Vehicle Theft by City

Where you live also plays a role in the number of vehicle thefts. The FBI created a 2016 report on Colorado’s vehicle thefts by cities, which are listed below.

CityNumber of Vehicle Thefts
Black Hawk13
Bow Mar1
Buena Vista2
Canon City52
Castle Rock52
Cherry Hills Village3
Colorado Springs2,135
Columbine Valley2
Commerce City316
Crested Butte0
Cripple Creek5
Estes Park2
Federal Heights132
Fort Collins207
Fort Lupton14
Fort Morgan22
Fraser/Winter Park2
Garden City5
Glenwood Springs17
Grand Junction169
Idaho Springs6
La Junta26
La Salle5
Log Lane Village1
Lone Tree8
Manitou Springs9
Monte Vista7
Mountain View3
Mountain Village1
Mount Crested Butte1
New Castle4
Oak Creek1
Pagosa Springs3
Snowmass Village1
Steamboat Springs14
Wheat Ridge283
Woodland Park5
Get Your Rates Quote Now

Compare RatesStart Now →

Road Fatalities in Colorado

Accidents can and do happen, and next, we’re going to show you statistics for different kinds of accidents in Colorado.

Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, most accidents occur during daylight hours.

Fatalities (All Crashes) by County

Here are the Colorado counties with the most fatalities over the past five years.

County Name20132014201520162017
El Paso County6353484877
Weld County3555555566
Adams County3332446064
Denver County4042525449
Arapahoe County2130374645
Jefferson County4342554841
Larimer County2024334436
Pueblo County1419122034
Boulder County1216192431
Garfield County7881021
Get Your Rates Quote Now

Compare RatesStart Now →

Fatalities by Roadway

Next, we have a 10-year comparison of traffic fatalities on urban vs. rural roadways.

Type of Roadway2008200920102011201220132014201520162017
Get Your Rates Quote Now

Compare RatesStart Now →

Fatalities by Person Type

Person TypeVehicles Type20132014201520162017
OccupantsPassenger Car141176163187199
Light Truck - Pickup7756776678
Light Truck - Utility85708585104
Light Truck - Van146212427
Light Truck - Other00102
Large Truck1110131826
Total Occupants331319364383437
Bicyclist and Other Cyclist1210131616
Other/Unknown Nonoccupants22550
Total Nonoccupants647577100108
Occupants, Motorcyclists, and NonoccupantsTotal Traffic-Related Fatalities482488547608648
Get Your Rates Quote Now

Compare RatesStart Now →

Fatalities by Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)*482488547608648
(1) Single Vehicle284273305344335
(2) Involving a Large Truck5663648687
(3) Involving Speeding151168217211230
(4) Involving a Rollover197166195212228
(5) Involving a Roadway Departure287285304295330
(6) Involving an Intersection (or Intersection Related)118127153200190
Get Your Rates Quote Now

Compare RatesStart Now →

Fatalities Involving Speeding by County

County Name201520162017Three-Year Total
El Paso County15222966
Denver County28221565
Jefferson County22201860
Weld County25112056
Adams County17192056
Arapahoe County17191753
Larimer County9151640
Pueblo County441624
Garfield County561021
Douglas County48820
Get Your Rates Quote Now

Compare RatesStart Now →

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

County Name201520162017Three-Year Total
El Paso County17202461
Denver County15182053
Weld County19131345
Adams County11151844
Jefferson County1991341
Arapahoe County12131338
Larimer County8121131
Pueblo County331016
Garfield County37515
Boulder County53412
Douglas County45312
Get Your Rates Quote Now

Compare RatesStart Now →

Teen Drinking and Driving

In 2016, Colorado law enforcement arrested 217 teenagers (under the age of 18) for drunk driving.

This number places Colorado as the 7th worst state in the U.S. for underage drinking and driving.

Below are the facts concerning underage (under 21 years old) drinking-related fatalities:

  • 1.2 fatalities per 100,000 people in Colorado
  • 1.2 fatalities per 100,000 people national average

EMS Response Time

If you or someone you know is in an accident, you want help to arrive as FAST as possible. Check out the response times for emergency personnel in rural and urban areas.

Location of IncidentTime of Crash to EMS NotificationNotification to ArrivalArrival at Scene to Hospital ArrivalTime of Crash to Time of Hospital Arrival
Get Your Rates Quote Now

Compare RatesStart Now →


When you drive through your neighborhood, do you ever notice how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

The data for Car Ownership, Commute Time, and Commuter Transportation was sourced from the Census Bureau via
Car Ownership
The average household in Colorado has two cars.

Commute Time

The average commute time in the U.S. is 25.3 minutes. Fortunately, for Colorado commuters, Colorado’s average commute time is below this at 23.7 minutes.

Commuter Transportation

In every state, driving alone is the most common commute option, though people are beginning to turn to other commute options like carpooling and working from home.
Top Cities for Traffic Congestion

CityHours Spent in TrafficPeak (Time in Traffic)Daytime (Time in Traffic)Overall (Time in Traffic)
Colorado Springs158%6%7%
Get Your Rates Quote Now

Compare RatesStart Now →

Now that you’ve read through this comprehensive guide, and know everything there is to know about buying car insurance in Colorado, it’s time to hit the road. Enter your ZIP code below to get a free quote comparison.



Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by Age & Gender in Colorado
Monthly Average Colorado Car Insurance Rates by ZIP Code
Colorado Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Colorado
Colorado Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by Age & Gender in Colorado
Monthly Average Colorado Car Insurance Rates by ZIP Code
Colorado Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Colorado
Colorado Car Insurers by Market Share %