Cheapest car insurance for high-risk drivers in Colorado

Cheapest car insurance in Colorado for a bad driving record

If you have a poor driving record in Colorado, GEICO, State Farm, Kemper are the cheapest options. GEICO has the lowest annual rate at $2,536 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

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

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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.

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.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Colorado, CO is $3,517

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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

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Average annual rate

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 a year.

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

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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

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Cheapest car insurance in Colorado with a reckless driving conviction

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,081 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with 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

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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

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Cheapest car insurance after an accident in Colorado

State Farm offers the lowest rates after an accident, averaging $2,223 per year. GEICO is another budget-friendly option, with rates around $2,528 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Cheapest car insurance in Colorado by city

In Colorado, the lowest car insurance rates are found in Vail, averaging $3,344 annually. On the other hand, Castle Rock has the highest rates at $4,101 a year.

Where you live in Colorado matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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

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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++.