Buying car insurance can be a headache, it’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Colorado
For minimum coverage, the average annual cost of car insurance in Colorado is $518. For full coverage, you will find an average annual car insurance rate of $2,016.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $100,000 for bodily injury per person, a $300,000 upper limit for all bodily injuries per accident, and $50,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
State Farm Insurance studies show that in Colorado, 55% of the auto insurance claims submitted for property damage were submitted by males under 25 years of age. This means that quoted rates for drivers in their 20s will typically be the highest.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $402 per year.
At a monthly rate, this comes out to $34 per month.
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- American National:
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At an annual rate, you can expect to pay $447 per year.
At a monthly rate, this comes out to $37 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $674 per year.
At a monthly rate, this comes out to $56 per month.
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- State Farm:
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At an annual rate, you can expect to pay $873 per year.
At a monthly rate, this comes out to $73 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $940 per year.
At a monthly rate, this comes out to $78 per month.
Car owners in their 30s
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- American National:
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At an annual rate, you can expect to pay $202 per year.
At a monthly rate, this comes out to $17 per month.
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- Geico:
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At an annual rate, you can expect to pay $240 per year.
At a monthly rate, this comes out to $20 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $282 per year.
At a monthly rate, this comes out to $24 per month.
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- State Farm:
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At an annual rate, you can expect to pay $382 per year.
At a monthly rate, this comes out to $32 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $386 per year.
At a monthly rate, this comes out to $32 per month.
Car owners in their 40s
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- American National:
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At an annual rate, you can expect to pay $192 per year.
At a monthly rate, this comes out to $16 per month.
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- Geico:
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At an annual rate, you can expect to pay $239 per year.
At a monthly rate, this comes out to $20 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $287 per year.
At a monthly rate, this comes out to $24 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $295 per year.
At a monthly rate, this comes out to $25 per month.
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- State Farm:
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At an annual rate, you can expect to pay $386 per year.
At a monthly rate, this comes out to $32 per month.
Car owners in their 50s
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- American National:
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At an annual rate, you can expect to pay $180 per year.
At a monthly rate, this comes out to $15 per month.
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- Geico:
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At an annual rate, you can expect to pay $246 per year.
At a monthly rate, this comes out to $20 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $257 per year.
At a monthly rate, this comes out to $21 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $283 per year.
At a monthly rate, this comes out to $24 per month.
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- State Farm:
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At an annual rate, you can expect to pay $384 per year.
At a monthly rate, this comes out to $32 per month.
Car owners in their 60s
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- American National:
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At an annual rate, you can expect to pay $173 per year.
At a monthly rate, this comes out to $14 per month.
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- Geico:
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At an annual rate, you can expect to pay $262 per year.
At a monthly rate, this comes out to $22 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $265 per year.
At a monthly rate, this comes out to $22 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $330 per year.
At a monthly rate, this comes out to $28 per month.
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- State Farm:
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At an annual rate, you can expect to pay $363 per year.
At a monthly rate, this comes out to $30 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
Car owners in their 20s
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- American National:
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At an annual rate, you can expect to pay $1,432 per year.
At a monthly rate, this comes out to $119 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,520 per year.
At a monthly rate, this comes out to $127 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $2,262 per year.
At a monthly rate, this comes out to $188 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,752 per year.
At a monthly rate, this comes out to $229 per month.
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- Esurance:
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At an annual rate, you can expect to pay $2,858 per year.
At a monthly rate, this comes out to $238 per month.
Car owners in their 30s
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- American National:
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At an annual rate, you can expect to pay $789 per year.
At a monthly rate, this comes out to $66 per month.
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- Geico:
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At an annual rate, you can expect to pay $958 per year.
At a monthly rate, this comes out to $80 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,140 per year.
At a monthly rate, this comes out to $95 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,437 per year.
At a monthly rate, this comes out to $120 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,673 per year.
At a monthly rate, this comes out to $139 per month.
Car owners in their 40s
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- American National:
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At an annual rate, you can expect to pay $709 per year.
At a monthly rate, this comes out to $59 per month.
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- Geico:
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At an annual rate, you can expect to pay $949 per year.
At a monthly rate, this comes out to $79 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,071 per year.
At a monthly rate, this comes out to $89 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,402 per year.
At a monthly rate, this comes out to $117 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,449 per year.
At a monthly rate, this comes out to $121 per month.
Car owners in their 50s
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- American National:
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At an annual rate, you can expect to pay $684 per year.
At a monthly rate, this comes out to $57 per month.
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- Geico:
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At an annual rate, you can expect to pay $963 per year.
At a monthly rate, this comes out to $80 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,038 per year.
At a monthly rate, this comes out to $86 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,361 per year.
At a monthly rate, this comes out to $113 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,392 per year.
At a monthly rate, this comes out to $116 per month.
Car owners in their 60s
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- American National:
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At an annual rate, you can expect to pay $626 per year.
At a monthly rate, this comes out to $52 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,005 per year.
At a monthly rate, this comes out to $84 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,006 per year.
At a monthly rate, this comes out to $84 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,281 per year.
At a monthly rate, this comes out to $107 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,461 per year.
At a monthly rate, this comes out to $122 per month.
Recent Accident
If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Colorado.
Car owners in their 20s
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- American National:
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At an annual rate, you can expect to pay $631 per year.
At a monthly rate, this comes out to $53 per month.
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- Geico:
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At an annual rate, you can expect to pay $631 per year.
At a monthly rate, this comes out to $53 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $853 per year.
At a monthly rate, this comes out to $70 per month.
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- American Family:
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At an annual rate, you can expect to pay $956 per year.
At a monthly rate, this comes out to $80 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,236 per year.
At a monthly rate, this comes out to $103 per month.
Car owners in their 30s
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- American National:
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At an annual rate, you can expect to pay $1,017 per year.
At a monthly rate, this comes out to $85 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,682 per year.
At a monthly rate, this comes out to $140 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,862 per year.
At a monthly rate, this comes out to $155 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $2,020 per year.
At a monthly rate, this comes out to $168 per month.
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- Esurance:
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At an annual rate, you can expect to pay $2,226 per year.
At a monthly rate, this comes out to $186 per month.
Car owners in their 40s
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- American National:
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At an annual rate, you can expect to pay $905 per year.
At a monthly rate, this comes out to $75 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,653 per year.
At a monthly rate, this comes out to $138 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,732 per year.
At a monthly rate, this comes out to $144 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,824 per year.
At a monthly rate, this comes out to $152 per month.
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- Esurance:
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At an annual rate, you can expect to pay $2,114 per year.
At a monthly rate, this comes out to $176 per month.
Car owners in their 50s
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- American National:
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At an annual rate, you can expect to pay $871 per year.
At a monthly rate, this comes out to $73 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,657 per year.
At a monthly rate, this comes out to $138 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,779 per year.
At a monthly rate, this comes out to $148 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,890 per year.
At a monthly rate, this comes out to $158 per month.
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- Esurance:
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At an annual rate, you can expect to pay $2,088 per year.
At a monthly rate, this comes out to $174 per month.
Car owners in their 60s
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- American National:
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At an annual rate, you can expect to pay $801 per year.
At a monthly rate, this comes out to $67 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,662 per year.
At a monthly rate, this comes out to $138 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,745 per year.
At a monthly rate, this comes out to $145 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,012 per year.
At a monthly rate, this comes out to $168 per month.
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- Esurance:
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At an annual rate, you can expect to pay $2,035 per year.
At a monthly rate, this comes out to $170 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $559 per year.
At a monthly rate, this comes out to $47 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,219 per year.
At a monthly rate, this comes out to $102 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $1,256 per year.
At a monthly rate, this comes out to $105 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,342 per year.
At a monthly rate, this comes out to $112 per month.
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- American National:
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At an annual rate, you can expect to pay $1,504 per year.
At a monthly rate, this comes out to $125 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $1,417 per year.
At a monthly rate, this comes out to $118 per month.
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- Esurance:
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At an annual rate, you can expect to pay $2,090 per year.
At a monthly rate, this comes out to $174 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $2,359 per year.
At a monthly rate, this comes out to $197 per month.
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- American National:
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At an annual rate, you can expect to pay $2,655 per year.
At a monthly rate, this comes out to $221 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,776 per year.
At a monthly rate, this comes out to $231 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $1,402 per year.
At a monthly rate, this comes out to $117 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,948 per year.
At a monthly rate, this comes out to $162 per month.
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- American National:
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At an annual rate, you can expect to pay $2,383 per year.
At a monthly rate, this comes out to $199 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $2,388 per year.
At a monthly rate, this comes out to $199 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,719 per year.
At a monthly rate, this comes out to $227 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $1,423 per year.
At a monthly rate, this comes out to $119 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,829 per year.
At a monthly rate, this comes out to $152 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $2,153 per year.
At a monthly rate, this comes out to $179 per month.
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- American National:
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At an annual rate, you can expect to pay $2,300 per year.
At a monthly rate, this comes out to $192 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,620 per year.
At a monthly rate, this comes out to $218 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $1,490 per year.
At a monthly rate, this comes out to $124 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,762 per year.
At a monthly rate, this comes out to $147 per month.
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- American National:
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At an annual rate, you can expect to pay $2,103 per year.
At a monthly rate, this comes out to $175 per month.
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- Grange Insurance Association:
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At an annual rate, you can expect to pay $2,222 per year.
At a monthly rate, this comes out to $185 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,470 per year.
At a monthly rate, this comes out to $206 per month.
After DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Colorado.
Getting insurance after a DUI in Colorado, American National Insurance Greeley Co is often the best choice. If your license has been previously revoked, SR22 Insurance quotes in Colorado can help you meet insurance requirements.
Is Colorado a no fault state for car insurance? No, Colorado is an at-fault state, meaning the driver at fault is responsible for paying damages.
Car owners in their 20s
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- American National:
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At an annual rate, you can expect to pay $731 per year.
At a monthly rate, this comes out to $61 per month.
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- Geico:
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At an annual rate, you can expect to pay $760 per year.
At a monthly rate, this comes out to $63 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $971 per year.
At a monthly rate, this comes out to $81 per month.
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- American Family:
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At an annual rate, you can expect to pay $731 per year.
At a monthly rate, this comes out to $61 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,222 per year.
At a monthly rate, this comes out to $102 per month.
Car owners in their 30s
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- American National:
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At an annual rate, you can expect to pay $1,139 per year.
At a monthly rate, this comes out to $95 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,892 per year.
At a monthly rate, this comes out to $158 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,930 per year.
At a monthly rate, this comes out to $161 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,981 per year.
At a monthly rate, this comes out to $165 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,201 per year.
At a monthly rate, this comes out to $183 per month.
Car owners in their 40s
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- American National:
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At an annual rate, you can expect to pay $1,012 per year.
At a monthly rate, this comes out to $84 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,680 per year.
At a monthly rate, this comes out to $140 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,818 per year.
At a monthly rate, this comes out to $152 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,883 per year.
At a monthly rate, this comes out to $157 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,153 per year.
At a monthly rate, this comes out to $179 per month.
Car owners in their 50s
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- American National:
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At an annual rate, you can expect to pay $973 per year.
At a monthly rate, this comes out to $81 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,606 per year.
At a monthly rate, this comes out to $134 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,782 per year.
At a monthly rate, this comes out to $148 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,069 per year.
At a monthly rate, this comes out to $172 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,099 per year.
At a monthly rate, this comes out to $175 per month.
Car owners in their 60s
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- American National:
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At an annual rate, you can expect to pay $896 per year.
At a monthly rate, this comes out to $75 per month.
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- Colorado Farm Bureau:
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At an annual rate, you can expect to pay $1,706 per year.
At a monthly rate, this comes out to $142 per month.
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- Esurance:
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At an annual rate, you can expect to pay $1,729 per year.
At a monthly rate, this comes out to $144 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,979 per year.
At a monthly rate, this comes out to $165 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,024 per year.
At a monthly rate, this comes out to $169 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers, so many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Colorado, this would be the Colorado Motor Vehicle Plan, or CMVP.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
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