$24/mo
$26/mo
$31/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Colorado pays on an average of $1087 for six months for car insurance, which is less than the national average. Colorado Farm Bureau offers cheap and the best rates in Colorado.
Colorado Farm Bureau offers the cheapest liability coverage in Colorado at $24/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Colorado ↓
Colorado Farm Bureau provides cheap full insurance coverage in Colorado at $63/month, offering excellent value.
Read about the cheapest full coverage companies in Colorado ↓
Colorado Farm Bureau is the cheapest option after an at-fault accident in Colorado at $30 per month.
Read more about best car insurance companies after at-fault accident in Colorado ↓
Colorado Farm Bureau was named the best overall by J.D. Power and AM Best, making it a top pick among Colorado’s best car insurers.
Check out the full list of the best car insurance companies in Colorado ↓For drivers looking to meet Colorado minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Colorado is widely available from providers like Colorado Farm Bureau at $24/month. If you opt for Auto-Owners you will have to pay at least $66/month for your car insurance premium, which is the highest in Colorado.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $143 | $24 |
| American National P&C | $154 | $26 |
| American National | $184 | $31 |
| Colorado Farm Bureau Mutual | $220 | $37 |
| USAA | $244 | $41 |
| Auto-Owners Insurance Co | $279 | $47 |
| Farm Bureau | $285 | $48 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Colorado Farm Bureau offers the cheapest car insurance for full coverage in Colorado at $63 per month. On the other hand Farm Bureau offers the most expensive rate at $291 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $368 | $63 |
| American National P&C | $404 | $67 |
| Auto-Owners Insurance Co | $606 | $103 |
| Acuity | $659 | $110 |
| Colorado Farm Bureau Mutual | $796 | $135 |
| American Family | $962 | $162 |
| American National | $998 | $170 |
Get Your Car Insurance Quote in Colorado Instantly!
Colorado Farm Bureau stands out as the best car insurance provider in Colorado, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, American National P&C is a top pick for drivers seeking value and reliability.
Colorado Farm Bureau offers a six-month premium of $255, which amounts to approximately $43 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of American National P&C is $279, which is higher than Colorado Farm Bureau's by $24. Their higher monthly premium is, due to their strict policies on traffic violations.
Progressive's premium is $422, which is significantly more expensive than American National P&C's by $143. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $255 | $43 |
| American National P&C | $279 | $47 |
| Progressive | $422 | $72 |
| American Family | $428 | $71 |
| Auto-Owners Insurance Co | $440 | $75 |
| Acuity | $469 | $78 |
| Colorado Farm Bureau Mutual | $772 | $129 |
Teens and young drivers in Colorado often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Colorado is
$2459 for 6 months, which is more than the national average.
American National is the best options for cheap
car insurance for young drivers in Colorado.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $149 | $25 |
| American National P&C | $184 | $31 |
| California Casualty | $208 | $35 |
| Colorado Farm Bureau | $261 | $44 |
| Auto-Owners Insurance Co | $380 | $65 |
| USAA | $1378 | $232 |
| American Family | $2144 | $361 |
Car insurance rates in Colorado have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Colorado dipped by $224 in Feb compared to $260 of Jan. In other words, there has been an decrease by $36 when you compare Feb and Jan.
The average cost of liability insurance in the Colorado rose to $54 in Feb, compared to $48 in Jan. This represents an increase of $6 when comparing Feb and Jan.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Colorado Farm Bureau gives you the cheapest car insurance rate after an at-fault accident in Colorado at $30/month. On the other hand Auto-Owners is the most expensive option at $298/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $178 | $30 |
| American National | $208 | $35 |
| American National P&C | $220 | $37 |
| Farm Bureau | $279 | $47 |
| California Casualty | $404 | $67 |
| State Farm | $772 | $130 |
| USAA | $885 | $149 |
If you are living in Colorado you should opt for Colorado Farm Bureau. Colorado Farm Bureau ranks as number 1 across various factors like customer satisfaction, claims and rates.
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Colorado is Colorado Farm Bureau at $35 per month. Auto-Owners at $378 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $208 | $35 |
| American National | $220 | $37 |
| American National P&C | $249 | $42 |
| Farm Bureau | $327 | $54 |
| Farmers | $493 | $84 |
| Progressive | $998 | $168 |
| State Farm | $1206 | $203 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Fort Collins | $992 | $167 |
| Greeley | $1022 | $172 |
| Boulder | $1034 | $174 |
| Arvada | $1117 | $188 |
| Westminster | $1129 | $190 |
| Highlands Ranch | $1146 | $193 |
| Thornton | $1164 | $196 |
| Centennial | $1176 | $198 |
| Clifton | $1188 | $198 |
| Lakewood | $1188 | $200 |
| Colorado Springs | $1194 | $201 |
| Fruita | $1194 | $203 |
