- 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
- 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 you'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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,840 in Colorado, you can find rates as low as $2,536 from Geico.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
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
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $2,081.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Colorado.
| 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
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,081 or $173.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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
Drivers with reckless driving conviction can get the cheapest rates from State Farm at $2,081.
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.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| 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
Based on our research, Geico is the cheapest car insurance company for drivers with poor credit, averaging $2,181 or $182. Fortunately, drivers with bad credit can still find affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Colorado car insurance.
| 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 rates after an accident at $2,223. Geico also has affordable rates at $2,528.
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 at $3,344. But the most expensive city is Castle Rock with rates of $4,101.
Your location in Colorado also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| 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 Colorado 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 considered a high-risk driver in Colorado, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
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