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Geico offers the cheapest auto insurance rates in Colorado at about $1,212 a year or $101 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.

KEY TAKEAWAYS
  • Auto-Owners offers the best car insurance rates in Colorado among the companies analyzed by Insurance.com.
  • In Colorado, Geico provides the cheapest car insurance at $1,212 per year.
  • Car insurance rates differ with various driving profiles. Geico offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in Colorado. The insurance premium is $3,002 per year.

Best auto insurance companies in Colorado

Based on Insurance.com's rate analysis, Auto-Owners is our top pick for the best auto insurance company in Colorado. It has earned 4.2 auto star rating, highest among the carriers surveyed. Apart from Auto-Owners, American Family, USAA, Allstate and State Farm are the other top performers on the list of best car insurance companies.

Compare insurance providers based on their auto star ratings and decide which one is the right option for you.

CompanyAuto star ratings
Nationwide4.9
USAA4.8
Hartford4.7
MetLife4.4
State Farm4.0
Liberty Mutual3.9
Safeco3.7
Geico3.4
CSAA Insurance Group3.3
Travelers3.2

Cheapest car insurance companies in Colorado

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Colorado and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Colorado that offers insurance policies at $1,212 annually or $101 a month, on average.

CompanyAverage annual premiumAverage monthly premium
Geico$1,212$101
USAA$1,300$108
Nationwide$1,304$109
State Farm$1,565$130
Kemper Insurance$1,578$131
Progressive$1,704$142
Allstate$2,120$177
Farmers$2,167$181
Auto-Owners$2,357$196
American Family$2,736$228

Cheapest car insurance cost in Colorado for teens

Geico is the cheapest car insurance company in Colorado for teen drivers. Its average annual premium for teenagers is $4,232 or $353 a month.

The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.

CompanyAverage annual premium
Geico$4,232
USAA$4,420
State Farm$4,649
Nationwide$4,883
American Family$5,241
Allstate$6,286
Kemper Insurance$6,440
Auto-Owners$6,743
Progressive$8,645
Farmers$10,402

Cheapest car insurance cost in Colorado for young adults

Geico is the cheapest car insurance company in Colorado for young adults, based on Insurance.com's rate analysis. Its average annual premium is $1,776 or $148 a month.

The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.

If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.

CompanyAverage annual premium
Geico$1,776
USAA$2,142
Nationwide$2,340
State Farm$2,700
Allstate$2,875
Progressive$2,951
Farmers$2,994
Kemper Insurance$3,118
American Family$3,683
Auto-Owners$4,047

Cheapest car insurance cost in Colorado for adults

Geico is the cheapest car insurance company in Colorado for adults. Its average annual premium is $1,217 or $101 a month.

When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.

Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.

CompanyAverage annual premium
Geico$1,217
Nationwide$1,334
USAA$1,345
State Farm$1,608
Kemper Insurance$1,617
Progressive$1,746
Allstate$2,108
Farmers$2,154
Auto-Owners$2,421
American Family$2,778

Cheapest car insurance cost in Colorado for seniors

Geico is the cheapest auto insurance company for senior drivers in Colorado. Its average annual premium is $1,224 or $102 a month.

Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.

CompanyAverage annual premium
Geico$1,224
Nationwide$1,246
USAA$1,323
State Farm$1,448
Progressive$1,737
Kemper Insurance$1,853
Allstate$1,957
Farmers$2,240
Auto-Owners$2,353
American Family$2,537

Cheapest Car Insurance Companies in Colorado by Driver Profile

While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.

Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Colorado.

Cheapest auto insurance for drivers with poor credit: Geico

Geico is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $3,285 or $274 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price

CompanyAverage annual premium
Geico$1,919
Nationwide$2,021
USAA$2,867
Kemper$3,033
State Farm$3,267
Progressive$3,416
Allstate$3,733
Farmers$3,973
Auto-Owners$4,266
American Family$4,350

Cheapest auto insurance for drivers with a speeding tickets: USAA

USAA is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Colorado drivers is $2,390, based on a rate analysis by Insurance.com.

If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.

The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Colorado.

CompanyAverage annual premium
USAA$1,602
Nationwide$1,690
State Farm$1,753
Geico$2,045
Allstate$2,443
Progressive$2,447
Auto-Owners$2,476
Kemper$2,513
Farmers$3,149
American Family$3,781

Cheapest auto insurance after at-fault accident: State Farm

State Farm is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $2,750. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.

CompanyAverage annual premium
State Farm$1,873
USAA$1,877
Nationwide$2,136
Geico$2,238
Kemper$2,606
Progressive$2,912
Auto-Owners$3,158
Allstate$3,341
Farmers$3,440
American Family$3,915

Cheapest auto insurance after a DUI: State Farm

The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $3,002 or $250 a month.

When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.

CompanyAverage annual premium
State Farm$1,753
Progressive$2,231
Geico$2,655
USAA$2,682
Nationwide$2,717
Allstate$2,905
Farmers$3,345
Auto-Owners$3,737
American Family$3,781
Kemper$4,210

Average cost of car insurance in Colorado

The average car insurance rate in Colorado is $1,804 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s $197 more than the national average $1,607. For the state minimum coverage, the average annual cost in Colorado is $437.

State minimum average annual rateFull coverage average annual rate
$500$1,941

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