Best Auto Insurance in Colorado (2025)
Compare top-rated auto insurance companies in Colorado. Find affordable coverage that meets CO state requirements and save up to 40% on your premium.
$1,635
Avg. Annual Premium
25/50/15
Minimum Coverage
Denver
Largest City
5.8 million
Population
Colorado Auto Insurance Requirements
Colorado drivers face higher premiums due to increasing population and weather-related accidents.
Minimum Liability Coverage: 25/50/15
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Colorado
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Colorado can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Colorado use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Colorado Auto Insurance FAQs
What is the minimum auto insurance required in Colorado?
Colorado requires minimum liability coverage of 25/50/15 (bodily injury per person/per accident/property damage). Colorado drivers face higher premiums due to increasing population and weather-related accidents.
How much does car insurance cost in Colorado?
The average annual car insurance premium in Colorado is $1,635. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Colorado?
Key factors affecting Colorado auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Denver typically pay more than those in rural areas.
How can I find cheap car insurance in Colorado?
To find affordable car insurance in Colorado: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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