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Cheapest Car Insurance Rates In Colorado (2018)

With so many insurance companies to choose from, it’s not always easy to find the best auto insurance in Colorado for your particular needs. Our team made it their mission to simplify the process by comparing the monthly premiums of nine top providers.

In this analysis, you will find low cost car insurance rates for these four categories of drivers:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$/month estimate

$101/month estimate

Our study determined that Geico provides the most affordable car insurance premiums for drivers in Colorado who hadn’t caused any collisions. Insurers view accident-free drivers as a lower liability, so they’re usually willing to offer lower rates.

Want to cut your monthly expenses? One of the easiest ways to do so is to avoid accidents for multiple consecutive years and then switch to a car insurance company that offers safe driver discounts.

Best Rates For Teen Drivers

$142/month estimate

$/month estimate

Of all age groups, teenagers have the highest rates of motor vehicle accidents. For this reason, teens and young motorists are a greater liability to insurance companies than adult drivers with a lot of experience.

Even if a young person has a clean driving record, they typically will pay more than an adult motorist. State Farm led the pack in our study with the best cheap car insurance for new drivers in Colorado. In this segment, we used a policy that met the minimum coverage required in CO.

Best Rates For Drivers With A DUI

$110/month estimate

$158/month estimate

We all make mistakes, and if one of your nights out ended with a DUI, you’ve probably been through enough hassle without paying higher insurance premiums. Unfortunately, a DUI conviction tells insurance companies that you’re more of a liability, so higher premiums are almost inevitable. But you could save a veritable fortune by switching to one of these two companies, which were found to offer low cost insurance to drivers in Colorado with a DUI.

Best Rates For Senior Drivers

$76/month estimate

$/month estimate

We looked at car insurance rates for male and female drivers age 65 to find the best auto insurance companies for seniors in Colorado. Our data showed that these two companies offered the best rates.


A 29-year-old driver was the focus of the “No Accident History” and “DUI” parts of our study. The default yearly mileage was 12,000. The car in our study is a 2014 Toyota Corolla. Our estimated prices are based on data for males and females from five zip codes throughout Colorado. For all driver categories except “teen drivers,” the estimates are based on 50/100/25 liability coverage and 50/100/25 uninsured motorist coverage.

What Are The Minimum Car Insurance Coverage Requirements In Colorado?

In Colorado, drivers are required to carry car insurance coverage that meets the following minimum limits:

  • $25,000 for Bodily Injury Liability Per Person
  • $50,000 for Bodily Injury Liability Per Accident
  • $15,000 for Property Damage Liability


cheapest car insurance in colorado

Want to learn more about car insurance? Find helpful FAQs on our blog.


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How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?