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If you're looking for the best and cheapest car insurance in Boulder, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Boulder and prepared this guide for you.

The average cost of auto insurance in Boulder for full coverage is $1,695 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Boulder. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Boulder

According to a study by Insurance.com, the cheapest car insurance companies in Boulder for 2023 are Geico and USAA.

Geico is the cheapest option for most Boulder drivers, with an average annual rate of $914.

Car insurance cost may vary in Boulder based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Boulder

CompaniesAverage Annual Rates
Geico$914
USAA$1,139
Nationwide$1,209
State Farm$1,554
Kemper Insurance$1,588
Progressive$1,624
Allstate$1,949
Auto-Owners$1,963
Farmers$2,248
American Family$2,764

Cheapest car insurance cost in Boulder by Age Group

The cheapest auto insurance company in Boulder for teen drivers is Geico. For full coverage, its average annual rate for Boulder drivers is $3,439. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Boulder at about $1,352 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Boulder is the Geico. Its average rate for a full coverage car insurance policy is $920 per year.

If you are a senior driver in Boulder and looking for a cheap car insurance company, then consider buying insurance from the Geico. It is the cheapest auto insurance company for senior drivers with an average premium of $1,003 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,939$1,812$5,922$2,652
American Family$2,808$2,639$5,258$3,652
Auto-Owners$2,016$2,003$5,735$3,399
Farmers$2,239$2,328$10,971$3,134
Geico$920$1,003$3,439$1,352
Kemper Insurance$1,627$1,884$6,666$3,180
Nationwide$1,244$1,185$4,671$2,211
Progressive$1,667$1,694$8,478$2,847
State Farm$1,601$1,463$4,796$2,739
USAA$1,177$1,194$4,019$1,875

Cheapest car insurance companies in Boulder by driver profile

Car insurance rates in Boulder vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Boulder, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Boulder based on driver profile.

Cheapest for a driver with poor credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Boulder drivers at about $1,339 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Geico$1,339
Nationwide$1,711
USAA$2,404
Progressive$2,514
Kemper$2,532
State Farm$2,826
Allstate$3,174
American Family$3,581
Auto-Owners$3,780
Farmers$3,818

Cheapest for drivers with a speeding ticket: USAA

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Boulder. It offers full coverage car insurance for drivers age 30 at about $1,365 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
USAA$1,365
Nationwide$1,440
Geico$1,472
State Farm$1,519
Progressive$1,817
Kemper$2,095
Allstate$2,110
Auto-Owners$2,190
Farmers$2,989
American Family$3,094

Cheapest auto insurance after an at-fault accident: USAA

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Boulder is $1,608. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
USAA$1,608
Geico$1,619
State Farm$1,625
Nationwide$1,809
Progressive$2,172
Kemper$2,176
American Family$2,733
Auto-Owners$2,820
Allstate$2,879
Farmers$3,279

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Boulder for drivers after a DUI. Its average annual rate for full coverage is $1,519.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
State Farm$1,519
Progressive$1,667
Geico$1,998
USAA$2,282
Nationwide$2,291
Allstate$2,515
American Family$3,094
Farmers$3,185
Auto-Owners$3,353
Kemper$3,513

Average car insurance cost in Boulder

The average car insurance rate in Boulder for full coverage is $1,695 per year or $141 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Boulder is $465 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,695$465

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Colorado

Colorado Springs
$2,013/year
Englewood
$1,967/year
Lone Tree
$1,825/year
Sterling
$1,802/year
Vail
$1,631/year

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