Average car insurance cost in Boulder

The average car insurance rate in Boulder for full coverage is $2,302 per year or $192 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Boulder is $475 per year. The state minimum liability limits are 25/50/15.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,151
Average annual premium$2,302
State minimum premium$475

Cheapest car insurance companies in Boulder

Geico offers the cheapest rates on average at $1,086 per year. Southern Farm Bureau is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Boulder.

CompanyAverage 6 month rateAverage annual rate
Geico$543$1,086
Southern Farm Bureau$860$1,720
Kemper$942$1,883
State Farm$970$1,940
Auto-Owners$1,148$2,296
Allstate$1,256$2,512
Progressive$1,322$2,643
Farmers$1,919$3,839
Acuity Insurance$1,979$3,958
USAA$681$1,362

Cheapest car insurance cost in Boulder by age group

Car insurance rates in Boulder vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Boulder by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Southern Farm Bureau
  • Cheapest for young adults: Geico
  • Cheapest for adults: Geico
  • Cheapest for seniors: Geico

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Southern Farm Bureau offers the cheapest car insurance for teens at $3,418 per year.

Geico offers the most affordable auto insurance for young adults at $1,570 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Geico provides the lowest car insurance rates at $1,075 per year for adult drivers in Boulder.

Geico offers the least expensive car insurance for senior drivers in Boulder, at $1,172 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Geico$3,852$1,570$1,075$1,172
Southern Farm Bureau$3,418$2,590$1,821$2,065
Kemper$6,536$3,412$1,905$2,048
State Farm$5,322$3,137$1,948$1,831
Auto-Owners$5,229$3,556$2,314$2,228
Allstate$6,076$3,493$2,549$2,405
Progressive$10,472$4,535$2,669$2,621
Farmers$8,589$4,754$3,682$3,840
Acuity InsuranceNA$5,401$3,854$3,577
USAA$4,595$2,184$1,386$1,415

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.

Below are some of the cheapest car insurance companies in Boulder by driver profile.

Cheapest for a driver with poor credit: Geico

Geico is the most affordable car insurance for drivers with poor credit. On average, drivers in Boulder pay about $1,623 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Boulder.

CompanyAverage 6 month premiumAverage annual premium
Geico$812$1,623
Kemper$1,512$3,023
Allstate$2,111$4,222
Progressive$2,334$4,668
Auto-Owners$3,645$7,289
State Farm$3,685$7,370
Farmers$3,760$7,520
USAA$1,422$2,844

Cheapest auto insurance after an at-fault accident: Geico

In Boulder, Geico offers the cheapest car insurance for drivers with at-fault accident at $1,957 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Boulder.

CompanyAverage 6 month premiumAverage annual premium
Geico$979$1,957
State Farm$1,109$2,218
Kemper$1,303$2,606
Auto-Owners$1,625$3,249
Allstate$1,810$3,619
Progressive$2,122$4,243
Farmers$2,958$5,915
USAA$994$1,988

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,073 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Boulder.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,037$2,073
Geico$1,137$2,274
Allstate$1,590$3,180
Progressive$1,636$3,272
Auto-Owners$1,912$3,823
Kemper$2,108$4,215
Farmers$3,730$7,459
USAA$1,423$2,846

Cheapest for drivers with a speeding ticket: Geico

Geico offers the cheapest car insurance at $1,912 in Boulder for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Geico$956$1,912
State Farm$1,037$2,073
Kemper$1,277$2,553
Auto-Owners$1,321$2,642
Allstate$1,366$2,731
Progressive$1,754$3,508
Farmers$3,232$6,464
USAA$846$1,691

Car insurance discounts for Boulder drivers

The biggest car insurance discount available in Boulder is for the years licensed category at 34.78%, offered by Farmers.

Car insurance is essential for drivers in Boulder, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Boulder drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,3650.95%$22
Air BagsAmerican National Finance$8721.61%$14
Air BagsAuto-Owners$2,4401.33%$33
Air BagsGeico$1,6101.13%$18
Air BagsNationwide$1,4841.82%$27
Anti-Theft DeviceAuto-Owners$2,4402.53%$62
Anti-Theft DeviceGeico$1,6101.32%$21
Daily CommuteAuto-Owners$2,44010.69%$261
Days Advanced PurchaseAllstate$2,3659.06%$214
Days Advanced PurchaseAmerican National Finance$8722.85%$25
Days Advanced PurchaseFarmers$3,0059.91%$298
Days Advanced PurchaseNationwide$1,4843.57%$53
EducationGeico$1,61024.65%$397
Electronic Funds TransferAllstate$2,3655.08%$120
Electronic Funds TransferAmerican Family$2,9703.18%$94
Electronic Funds TransferFarmers$3,0051.98%$60
Electronic Funds TransferProgressive$1,7920.22%$4
Electronic SignatureProgressive$1,7929.97%$179
HomeownerAllstate$2,3655.38%$127
HomeownerAmerican Family$2,9702.27%$67
HomeownerAuto-Owners$2,4406.99%$171
HomeownerFarmers$3,0050.91%$27
HomeownerGeico$1,61021.03%$339
HomeownerProgressive$1,7923.87%$69
Lower Annual MileageAmerican Family$2,9702.77%$82
Lower Annual MileageAmerican National Finance$8728.62%$75
Lower Annual MileageGeico$1,6103.69%$59
Lower Annual MileageState Farm$1,8269.47%$173
Loyalty - Years Renewal With CompanyAmerican Family$2,97014.75%$438
Loyalty - Years Renewal With CompanyFarmers$3,0051.00%$30
Loyalty - Years Renewal With CompanyProgressive$1,7920.96%$17
Loyalty - Years Renewal With CompanySouthern Farm Bureau$1,6486.60%$109
Loyalty - Years Renewal With CompanyState Farm$1,82618.22%$333
Marital StatusAllstate$2,3651.65%$39
Marital StatusAmerican Family$2,9708.02%$238
Marital StatusAmerican National Finance$8725.08%$44
Marital StatusNationwide$1,4847.21%$107
Marital StatusProgressive$1,7927.03%$126
Marital StatusSouthern Farm Bureau$1,6487.07%$116
Multi PolicyAllstate$2,3656.93%$164
Multi PolicyAmerican Family$2,9705.46%$162
Multi PolicyAmerican National Finance$87212.07%$105
Multi PolicyAuto-Owners$2,4408.50%$207
Multi PolicyFarmers$3,00512.53%$376
Multi PolicyGeico$1,61017.37%$280
Multi PolicyNationwide$1,4844.13%$61
Multi PolicyProgressive$1,7927.81%$140
Multi PolicySouthern Farm Bureau$1,64818.26%$301
Multi PolicyState Farm$1,8268.91%$163
Paperless/Electornic DocumentsAllstate$2,3653.62%$86
Paperless/Electornic DocumentsAmerican Family$2,9703.18%$94
Paperless/Electornic DocumentsFarmers$3,0055.94%$178
Paperless/Electornic DocumentsNationwide$1,4843.57%$53
Paperless/Electornic DocumentsProgressive$1,7920.84%$15
Payment TypeAllstate$2,3659.52%$225
Payment TypeAmerican Family$2,9709.11%$271
Payment TypeAuto-Owners$2,44015.00%$366
Payment TypeFarmers$3,0054.95%$149
Payment TypeProgressive$1,7928.39%$150
Primary UseAllstate$2,3654.89%$116
Primary UseAmerican Family$2,97011.40%$338
Primary UseAmerican National Finance$87212.46%$109
Primary UseAuto-Owners$2,44015.32%$374
Primary UseNationwide$1,4847.21%$107
Primary UseSouthern Farm Bureau$1,64814.74%$243
Primary UseState Farm$1,82611.08%$202
ProfessionGeico$1,61015.50%$249
ProfessionProgressive$1,7922.34%$42
Safety DevicesAllstate$2,3653.92%$93
Safety DevicesAmerican Family$2,9702.47%$73
Safety DevicesAuto-Owners$2,4402.40%$59
Safety DevicesGeico$1,6101.68%$27
Safety DevicesProgressive$1,7922.66%$48
TelematicsAllstate$2,3657.25%$171
TelematicsNationwide$1,4846.33%$94
TelematicsProgressive$1,7928.15%$146
TelematicsState Farm$1,82614.21%$259
Years InsuredAllstate$3,34623.69%$792
Years InsuredAmerican National Finance$1,32934.43%$458
Years InsuredFarmers$4,23412.64%$535
Years InsuredGeico$2,32018.93%$439
Years InsuredProgressive$2,28712.57%$287
Years InsuredSouthern Farm Bureau$1,97716.66%$329
Years LicensedAmerican Family$3,1589.05%$285
Years LicensedAmerican National Finance$1,58115.90%$251
Years LicensedFarmers$6,49334.78%$2,258
Years LicensedGeico$3,89928.28%$1,103
Years LicensedNationwide$2,27016.34%$371
Years LicensedProgressive$3,06723.00%$706
Years LicensedState Farm$2,25916.79%$379

How to get cheap car insurance in Boulder in 2025

Find affordable car insurance in Boulder by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Boulder.

Methodology

Insurance.com commissioned 2023 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 2023.

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. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Colorado