Cheapest car insurance for high-risk drivers in Colorado

Which company has the cheapest car insurance in Colorado for a bad driving record?

GEICO offers the cheapest average rate in Colorado for drivers with a poor driving record at $2,536 per year. State Farm and Kemper also rank among the more affordable insurers for high-risk drivers.

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?

The average cost of high-risk car insurance in Colorado is $3,840 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,536 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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

Show Graph View

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 a high-risk driver 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.

What company offers the cheapest car insurance in Colorado after a DUI?

State Farm offers the cheapest average rate for drivers with multiple tickets at $2,081 annually or $173 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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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What is the 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 a year or $173 a month.

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

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

What company offers the cheapest insurance for reckless driving in Colorado?

State Farm has the cheapest average reckless driving insurance rates in Colorado at $2,081 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

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

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Colorado?

GEICO offers the lowest average car insurance rates in Colorado for drivers with bad credit, at $2,181 per year or $182 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

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

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What company has the cheapest car insurance in Colorado after an accident?

State Farm offers the cheapest average post-accident rates in Colorado at $2,223 annually. GEICO also provides relatively affordable rates at $2,528 per year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Colorado?

Vail has the cheapest average high-risk car insurance rates in Colorado at $3,344 per year. In comparison, drivers in Castle Rock pay the highest average rates at $4,101 annually.

Where you live in Colorado also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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 can high-risk drivers lower their car insurance rates in Colorado?

High-risk drivers in Colorado can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

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.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
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.

What are Colorado's insurance requirements 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.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Colorado

Can high-risk drivers get full coverage car insurance in Colorado?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Colorado?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.