- Cheapest car insurance in Colorado for a bad driving record
- How much is high-risk car insurance in Colorado?
- Cheapest car insurance in Colorado with a DUI
- Cheapest car insurance in Colorado with multiple tickets
- Cheapest car insurance in Colorado with a reckless driving conviction
- Cheapest car insurance in Colorado with bad credit
- Cheapest car insurance after an accident in Colorado
- Cheapest car insurance in Colorado by city
- How to reduce car insurance rates in Colorado for a bad driving record
- Colorado car insurance laws for high-risk drivers
- Methodology
- Compare Colorado high-risk driver car insurance rates with other states
Cheapest car insurance in Colorado for a bad driving record
GEICO, State Farm, Kemper provides affordable car insurance for high-risk drivers with bad driving record in Colorado.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning youâ??ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| GEICO | $1,445 | $2,536 |
| State Farm | $1,950 | $2,967 |
| Kemper | $1,878 | $3,156 |
| Allstate | $2,774 | $3,447 |
| Progressive | $2,796 | $3,924 |
| Auto-Owners | $2,874 | $4,712 |
| Farmers | $3,578 | $6,547 |
| USAA | $1,559 | $2,469 |
How much is high-risk car insurance in Colorado?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Colorado, high-risk car insurance costs $3,840 per year. However, you can get rates as low as $2,536 annually from GEICO.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $1,950 | $2,223 |
| USAA | $1,559 | $2,267 |
| GEICO | $1,445 | $2,528 |
| Kemper | $1,878 | $2,579 |
| Allstate | $2,774 | $3,952 |
| Auto-Owners | $2,874 | $3,987 |
| Progressive | $2,796 | $4,436 |
| Farmers | $3,578 | $5,753 |
PEOPLE ASK:
Who is considered high-risk for insurance in Colorado?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Colorado with a DUI
Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $2,081 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Colorado for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,950 | $2,081 |
| GEICO | $1,445 | $2,835 |
| Progressive | $2,796 | $3,439 |
| Allstate | $2,774 | $3,465 |
| Kemper | $1,878 | $4,172 |
| Auto-Owners | $2,874 | $4,659 |
| Farmers | $3,578 | $6,994 |
| USAA | $1,559 | $3,264 |
Cheapest car insurance in Colorado with multiple tickets
The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $2,081 annually or $173 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Colorado drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,950 | $2,081 |
| GEICO | $1,445 | $2,467 |
| Kemper | $1,878 | $2,530 |
| Allstate | $2,774 | $3,000 |
| Auto-Owners | $2,874 | $3,278 |
| Progressive | $2,796 | $3,704 |
| Farmers | $3,578 | $6,050 |
| USAA | $1,559 | $1,941 |
Cheapest car insurance in Colorado with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $2,081 per year.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,950 | $2,081 |
| GEICO | $1,445 | $2,800 |
| Allstate | $2,774 | $3,465 |
| Progressive | $2,796 | $4,031 |
| Kemper | $1,878 | $4,172 |
| Auto-Owners | $2,874 | $4,659 |
| Farmers | $3,578 | $7,021 |
| USAA | $1,559 | $2,437 |
Cheapest car insurance in Colorado with bad credit
In Colorado, GEICO provides the lowest premiums for drivers with poor credit, averaging $2,181 per year or $182 per month. Even with a low credit score, you can still find affordable auto insurance.
While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.
Check the table below to see how credit scores impact car insurance costs in Colorado.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| GEICO | $1,445 | $2,181 |
| Kemper | $1,878 | $3,002 |
| Allstate | $2,774 | $4,752 |
| Progressive | $2,796 | $4,963 |
| Farmers | $3,578 | $7,112 |
| State Farm | $1,950 | $7,395 |
| Auto-Owners | $2,874 | $9,113 |
| USAA | $1,559 | $3,290 |
Cheapest car insurance after an accident in Colorado
State Farm has the lowest average rates after an accident at $2,223 a year. GEICO also offers affordable rates, averaging $2,528 per year.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $1,950 | $2,223 | $2,223 |
| GEICO | $1,445 | $2,528 | $3,783 |
| Kemper | $1,878 | $2,579 | $3,321 |
| Allstate | $2,774 | $3,952 | $4,873 |
| Auto-Owners | $2,874 | $3,987 | $5,087 |
| Progressive | $2,796 | $4,436 | $5,780 |
| Farmers | $3,578 | $5,500 | $7,403 |
| USAA | $1,559 | $2,267 | $4,071 |
Cheapest car insurance in Colorado by city
Vail has the cheapest car insurance rates in Colorado, averaging $3,344 a year. However, the most expensive city is Castle Rock, with average insurance rates of $4,101 annually.
Where you live in Colorado also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Vail | $2,067 | $3,344 |
| Englewood | $2,246 | $3,699 |
| Boulder | $2,302 | $3,782 |
| Denver | $2,337 | $3,816 |
| Colorado Springs | $2,349 | $3,861 |
| Evans | $2,366 | $3,886 |
| Lone Tree | $2,387 | $3,918 |
| Sterling | $2,426 | $3,992 |
| Aurora | $2,432 | $4,033 |
| Castle Rock | $2,496 | $4,101 |
How to reduce car insurance rates in Colorado for a bad driving record
Finding affordable car insurance in Colorado is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Colorado?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Colorado car insurance laws for high-risk drivers
If you're a high-risk driver in Colorado, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Colorado high-risk driver car insurance rates with other states
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