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Car insurance coverage in Boulder costs an average of $1,773 annually for full coverage. That's $326 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Boulder, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Boulder provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Boulder

GEICO Casualty Co is the cheapest car insurance company in Boulder with an average cost of $913 per year, based on insurance.com's rate analysis. While USAA Casualty is second in terms of the cheapest car insurance companies in Boulder. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO Casualty Co$913
USAA Casualty Ins Co$1,068
Nationwide P&C Ins Co$1,289
State Farm Mutl Automobile Ins$1,413
Unitrin Safeguard Ins Co$1,549
Progressive Direct Ins Co$1,584
Allstate F&C Ins Co$1,791
Owners Ins Co$1,935
American Family Ins Co$1,951
Metropolitan P&C Ins Co$2,783
Farmers Ins Exchange$3,225

Cheapest car insurance cost in Boulder by age group

Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,244 a year or $104 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $1,329 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Cas Co offers the cheapest car insurance for young adults in Boulder at about $1,658 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,307 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Cas Co$1,244$1,329$4,446$1,658
Nationwide Prop & Cas Ins Co$1,490$1,343$5,572$2,680
State Farm Mut Auto Ins Co$1,649$1,540$4,307$2,620
Allstate Fire & Cas Ins Co$1,850$1,795$5,591$2,419
Progressive Direct Ins Co$1,855$1,710$8,308$2,785
Farmers Ins Exch$2,869$2,727$12,548$3,770

Cheapest car insurance companies in Boulder by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Boulder no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: USAA
  • Cheapest for accident: USAA
  • Cheapest for DUI: State Farm

Cheapest for a driver with poor credit: Geico

Geico is the cheapest car insurance company for a driver with poor credit in Boulder. Its average annual rate is $1,751 or $146 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAverage Annual Rates
Geico$1,751
Nationwide$2,348
USAA$2,888
Progressive$3,279
Allstate$3,532
State Farm$3,553
Unitrin$3,623
American Family Ins Co$4,164
Owners Ins Co$4,754
Farmers Ins$5,098
Metropolitan$8,291

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA is the cheapest auto insurance company for a driver with a speeding ticket in Boulder. Its average annual premium is $1,701 annually or $142 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAverage Annual Rates
USAA$1,701
State Farm$1,899
Geico$2,105
Nationwide$2,203
Progressive$2,316
Allstate$2,356
Owners Ins Co$2,872
Unitrin$3,136
American Family Ins Co$3,530
Farmers Ins$3,913
Metropolitan$6,327

Cheapest auto insurance after an at-fault accident: USAA

USAA offers the cheapest car insurance rates for a driver with an accident record in Boulder at about $1,942 per year. Apart from USAA, State Farm, Geico, and Nationwide are other cheap insurance companies on our list.

CompanyAverage Annual Rates
USAA$1,942
State Farm$2,041
Geico$2,140
Nationwide$2,240
Progressive$2,665
Unitrin$3,217
Allstate$3,266
American Family Ins Co$3,392
Owners Ins Co$3,676
Farmers Ins$4,248
Metropolitan$7,076

Cheapest auto insurance after a DUI: State Farm

State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,899 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAverage Annual Rates
State Farm$1,899
Progressive$2,147
Geico$2,350
Nationwide$2,747
USAA$2,795
Allstate$2,839
American Family Ins Co$3,530
Farmers Ins$4,147
Owners Ins Co$4,436
Unitrin$5,186
Metropolitan$9,287

Average car insurance cost in Boulder

The average car insurance rate in Boulder is $1,773 a year for a full coverage policy of 100/300/100 for a driver age 30, $326 more than the national average of $1,447.

The average annual premium in Boulder for minimum coverage is $490 a year or $41 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,773$490