Compare Boulder, CO Car Insurance Rates (2021)

Car insurance in Boulder, CO averages $306 a month. Boulder, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Boulder car insurance rates, compare quotes from the top car insurance companies in Boulder, CO.

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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.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Boulder for teen drivers is USAA
  • The cheapest ZIP code in Boulder is 80301
  • Average car insurance rates in Boulder, CO are $3,672/year

If you need to buy Boulder, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Boulder, CO is right here.

You’ll find Boulder car insurance rates, the cheapest Boulder, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Boulder, Colorado car insurance rates to Greeley car insurance rates, Arvada car insurance rates, and Pueblo car insurance rates.

Ready to find affordable Boulder, CO car insurance today? Enter your ZIP code for fast, free Boulder car insurance quotes.

Cheapest Boulder, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Boulder, CO car insurance rates? Every Boulder, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Boulder, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,089 $2,877 $2,804 $2,829 $11,119 $11,710 $3,357 $3,354
American Family $2,577 $2,577 $2,331 $2,331 $6,229 $8,403 $2,577 $3,144
Farmers $3,050 $3,031 $2,753 $2,963 $11,797 $11,966 $3,356 $3,398
GEICO $1,642 $1,811 $1,777 $2,043 $5,285 $5,578 $1,498 $1,510
Liberty Mutual $1,650 $1,582 $1,413 $1,559 $5,364 $5,845 $1,665 $1,662
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,318 $2,163 $2,059 $2,043 $8,225 $9,171 $2,601 $2,518
State Farm $2,097 $2,097 $1,904 $1,904 $6,255 $7,892 $2,356 $2,796
USAA $1,948 $1,930 $1,876 $1,860 $5,014 $5,716 $2,491 $2,684

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Minimum Car Insurance in Boulder, CO

Every driver must carry the minimum car insurance in Boulder, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Boulder, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Boulder, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Boulder, CO. Compare credit history car insurance rates in Boulder from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Boulder, Colorado

Insurance Company Poor Fair Good
Allstate $6,550 $5,060 $3,818
American Family $4,874 $3,498 $2,940
Farmers $6,115 $5,000 $4,753
GEICO $3,173 $2,643 $2,112
Liberty Mutual $3,684 $2,280 $1,813
Nationwide $4,068 $3,235 $2,817
Progressive $4,406 $3,778 $3,477
State Farm $4,737 $3,045 $2,455
USAA $4,322 $2,492 $2,006

Cheapest Boulder, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Boulder, CO to rates for a clean record with top companies.

Annual Boulder, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,356 $5,037 $6,213 $4,963
American Family $2,792 $3,953 $5,175 $3,164
Farmers $4,474 $5,747 $5,662 $5,274
GEICO $1,846 $2,901 $3,437 $2,388
Liberty Mutual $2,285 $2,665 $2,743 $2,676
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,354 $4,761 $3,537 $3,898
State Farm $3,123 $3,702 $3,413 $3,413
USAA $2,142 $2,625 $4,586 $2,408

Cheapest Boulder, CO Car Insurance for Teen Drivers

Teen car insurance in Boulder, CO can be expensive. Take a look at rates from the top car insurance companies in Boulder for teenagers.

Annual Car Insurance Rates for Teen Drivers in Boulder, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,119 $11,710
American Family $6,229 $8,403
Farmers $11,797 $11,966
GEICO $5,285 $5,578
Liberty Mutual $5,364 $5,845
Nationwide $5,702 $7,251
Progressive $8,225 $9,171
State Farm $6,255 $7,892
USAA $5,014 $5,716

Cheapest Boulder, CO Car Insurance for Seniors

Take a look at Boulder, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Boulder, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,804 $2,829
American Family $2,331 $2,331
Farmers $2,753 $2,963
GEICO $1,777 $2,043
Liberty Mutual $1,413 $1,559
Nationwide $2,018 $2,122
Progressive $2,059 $2,043
State Farm $1,904 $1,904
USAA $1,876 $1,860

Cheapest Boulder, CO Car Insurance Rates After a DUI

A DUI in Boulder, CO increases car insurance rates. Compare Boulder, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Boulder, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,213
American Family $5,175
Farmers $5,662
GEICO $3,437
Liberty Mutual $2,743
Nationwide $4,472
Progressive $3,537
State Farm $3,413
USAA $4,586

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Cheapest Boulder, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Boulder, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Boulder, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,142 $5,142
American Family $3,689 $3,853
Farmers $5,289 $5,289
GEICO $2,592 $2,693
Liberty Mutual $2,592 $2,592
Nationwide $3,373 $3,373
Progressive $3,887 $3,887
State Farm $3,327 $3,498
USAA $2,858 $3,022

Cheapest Boulder, CO Car Insurance Rates by ZIP Code

Boulder car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Boulder, CO.

Annual Car Insurance Rates by ZIP Code in Boulder, Colorado

ZIP Code Average Annual Rates
80301 $3,298
80302 $3,462
80303 $3,393
80304 $3,422
80305 $3,353
80309 $3,450
80310 $3,442

The Best Cheap Car Insurance Companies in Boulder, CO

Take a look at a side-by-side comparison of the top car insurance companies in Boulder, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Boulder, Colorado

Insurance Company Average Annual Rates
Allstate $5,142
American Family $3,771
Farmers $5,289
GEICO $2,643
Liberty Mutual $2,592
Nationwide $3,373
Progressive $3,887
State Farm $3,413
USAA $2,940

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Category Winners: Cheapest Car Insurance in Boulder, Colorado

Find the cheapest car insurance companies in Boulder, CO for each category right here.

Best Annual Car Insurance Rates by Company in Boulder, Colorado

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

Cheapest Boulder, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Boulder car insurance rates. Find the cheapest Boulder, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Boulder, Colorado

Insurance Company Low Medium High
Allstate $4,842 $5,124 $5,461
American Family $3,557 $3,849 $3,907
Farmers $4,634 $5,213 $6,021
GEICO $2,348 $2,591 $2,989
Liberty Mutual $2,424 $2,582 $2,771
Nationwide $3,335 $3,378 $3,407
Progressive $3,527 $3,902 $4,233
State Farm $3,161 $3,416 $3,661
USAA $2,788 $2,940 $3,093

What affects car insurance rates in Boulder, Colorado?

What factors can have an impact on Boulder, CO car insurance? There are several reasons why Boulder car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Boulder, Colorado.

Commute Time in Boulder

The more time you spend in your car the higher the risk of an accident. The average commute length in Boulder, CO is 19.7 minutes according to City-Data.

Traffic in Boulder

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Boulder, CO traffic data from INRIX ranks Boulder as the 333rd-most congested in the world.

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Compare Car Insurance Quotes in Boulder, CO

Ready to find affordable Boulder, Colorado car insurance today? Enter your ZIP code for fast, free Boulder, CO car insurance quotes.

Free Car Insurance Comparison

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

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