Cheapest car insurance for high-risk drivers in Colorado

Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Colorado is State Farm, followed by Nationwide and USAA.

Company	Avg Annual Premium	Avg Monthly Premium
State Farm	$2,025	$169
Nationwide	$2,676	$223
USAA	$2,761	$230
Geico	$2,763	$230
Progressive	$3,088	$257
Allstate	$3,383	$282
Kemper Insurance	$3,918	$326
Farmers	$3,973	$331
American Family	$4,178	$348
Auto-Owners	$4,502	$375

Average rates for high-risk drivers in Colorado by driving record

Average cost of car insurance in Colorado for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

State

Risk Factor

Average annual car insurance rate for At-fault bodily injury accident in Colorado, CO is $2,757

Show Graph View

Company name	Average annual premium
USAA	$1,846
State Farm	$1,873
Nationwide	$2,135
Geico	$2,287
Kemper Insurance	$2,634
Progressive	$2,889
Auto-Owners	$3,158
Allstate	$3,334
Farmers	$3,551
American Family	$3,864

Cheapest car insurance with a DUI

A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Colorado for a driver with a DUI is State Farm with an average annual of $1,753 a year.

Company	Avg Annual Premium	Avg Monthly Premium
State Farm	$1,753	$146
Progressive	$2,231	$186
Geico	$2,655	$221
USAA	$2,682	$223
Nationwide	$2,717	$226
Allstate	$2,905	$242
Farmers	$3,345	$279
Auto-Owners	$3,737	$311
American Family	$3,781	$315
Kemper Insurance	$4,210	$351

Cheapest car insurance with multiple tickets

While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Colorado, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,753 per year or $146 monthly.

Company	Avg Annual Premium	Avg Monthly Premium
State Farm	$1,753	$146
USAA	$1,921	$160
Nationwide	$1,969	$164
Geico	$2,090	$174
Allstate	$2,549	$212
Kemper Insurance	$2,755	$230
Progressive	$2,793	$233
Farmers	$3,712	$309
Auto-Owners	$3,737	$311
American Family	$3,951	$329

Cheapest car insurance with a reckless driving conviction

Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Colorado, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,753 a year.

Company	Avg Annual Premium	Avg Monthly Premium
State Farm	$1,753	$146
USAA	$2,007	$167
Geico	$2,500	$208
Progressive	$2,626	$219
Nationwide	$2,717	$226
Allstate	$2,905	$242
Farmers	$3,405	$284
Auto-Owners	$3,737	$311
Kemper Insurance	$4,210	$351
American Family	$4,302	$358

Cheapest car insurance with bad credit

Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Colorado is Geico with an average annual cost of $1,919 or $160 per month.

Company	Avg Annual Premium	Avg Monthly Premium
Geico	$1,919	$160
Nationwide	$2,021	$168
USAA	$2,867	$239
Kemper Insurance	$3,033	$253
State Farm	$3,267	$272
Progressive	$3,416	$285
Allstate	$3,733	$311
Farmers	$3,973	$331
Auto-Owners	$4,266	$356
American Family	$4,350	$362

Methodology

Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.

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