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The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more.

Most insurance companies offer a cheaper price to drivers with good records. But if you have been cited or have tickets on your record, then your insurance premiums will likely go up.

However, comparison shopping can help you save money on your car insurance premiums. Our research for drivers with a clean record can help you save on car insurance. But if you have a bad driving record, then you'll have to pay more for car insurance.

Worry not! We are here to help. Our team of experts has analyzed hundreds of companies to find the cheapest rates available for drivers with less than perfect records.

Cheapest car insurance for high-risk drivers in Colorado with an at-fault accident

State Farm offers the cheapest car insurance rates for drivers with an accident record. With an average annual rate of $1,873 per year after the accident, State Farm rates are 34.49% cheaper than the Colorado state average (rates after the accident) and $1,214 Less than the national average of $3,087 (rates after the accident).

However, you can save on your insurance by comparing price quotes from multiple insurers.

CompanyAvg Annual Premium
State Farm$1,873
Nationwide$2,135
Geico$2,287
Kemper Corp Grp$2,634
Progressive$2,889
Auto-Owners$3,158
Allstate$3,334

Auto insurance for high-risk drivers in Colorado with a DUI

State Farm offers the cheapest car insurance for high-risk drivers with a DUI in Colorado. It costs $1,753 a year on average for a full coverage policy after a DUI. If you get pulled over for driving under the influence, your car insurance rates will likely skyrocket. Having a DUI on your driving record can make it difficult to get car insurance because auto insurers often designate drivers who have been convicted of DUI as high-risk. The cost of auto insurance can vary widely after a DUI, depending on your state and the insurer. Based on our rate data analysis, we have put together a list of the companies that offer cheap car insurance for drivers with a DUI in Colorado.

CompanyAvg Annual Premium
State Farm$1,753
Progressive$2,782
Nationwide$3,239
Geico$3,372
Allstate$3,420
American Family$3,923
Farmers$4,024

Colorado car insurance rates for high-risk drivers with speeding tickets

The cheapest insurance carrier for drivers with speeding tickets on their record is State Farm. It offers full coverage insurance to Colorado drivers for $1,753 per year or $146 monthly. If you get a speeding ticket, your car insurance company will likely raise your rates when it comes time to renew your policy. But comparison shopping can help you trim your insurance cost overall.

CompanyAvg Annual Premium
State Farm$1,753
Nationwide$1,782
Geico$2,102
Allstate$2,473
Progressive$2,541
Kemper Corp Grp$2,623
Auto-Owners$2,896

Best car insurance for high-risk drivers in Colorado with poor credit

Geico is the cheapest insurance company for high-risk drivers with poor credit. On average, the cost $1,957 per year for a full coverage policy in Colorado. Insurers use your credit score as one factor when deciding how much to charge for coverage. If you're paying too high because of this, switching companies could save money in the long run.

CompanyAvg Annual Premium
Geico$1,957
Nationwide$2,017
Kemper Corp Grp$3,072
State Farm$3,267
Progressive$3,378
Allstate$3,724
Farmers$4,176

Cheapest insurance for high-risk drivers in Colorado with SR22

The cheapest auto insurance in Colorado with an SR-22 is State Farm with an average annual cost of $1,994 or $166 per month.

If you have a DUI or DWI conviction on your driving record, you might need your insurance company to file an SR-22 form with the state DMV in your name. SR-22 is a guarantee from a car insurance company to the state that you have the legally mandated coverage.

CompanyAvg Annual Premium
State Farm$1,994
Geico$2,002
Nationwide$2,078
Progressive$2,321
Allstate$2,745
Kemper Corp Grp$3,088
Auto-Owners$3,442