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.

CompanyAvg Annual PremiumAvg 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

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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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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

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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