Car Insurance in Colorado

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Looking for Cheap Car Insurance in Colorado?

Did you know that Colorado has some of the highest car insurance rates in the country? In particular, urban areas like Denver and Colorado Springs have seen their rates skyrocket over the last several years.

There are several reasons why insurance companies charge higher premiums: weather (including hail and heavy snow), dense population (resulting in more traffic accidents), car thefts and other crimes, etc.

So, regardless of where you live, it's essential to find an affordable car insurance company that can give you the best rates possible while providing quality service. And Carlay is just that company!

When getting cheap car insurance in Colorado, Carlay has what you need! You can save yourself some money on your insurance premiums with Carlay by comparing quotes from the top 50 insurance providers. As a result, Carlay customers save $879 per year on car insurance.

We don't want you to take our word for it! Here are some quotes from people in Colorado who switched to Carlay and found savings:

How Much Does Car Insurance Cost in Colorado?

Colorado drivers pay $2,012 per year on average for liability-only car insurance; if you add comprehensive and collision coverages, the cost averages out to $2,477 per year.

When comparing statewide averages, liability-only car insurance costs $1,783 per year, and full-coverage car insurance costs $2,485 per year.

What contributes to the insurance rates in Colorado?

Here are a few things to think about when looking at car insurance rates in Colorado.

  • Busy cities

Many of Colorado's cities have recently experienced explosive growth, and a city's size contributes to its insurance rates. If a community proliferates, traffic volume will increase as more people move into that area. This can lead to an increased risk for accidents, which costs insurers.

  • Auto thefts

Colorado's significant cities rank among states with higher car theft rates. And theft is a leading factor that determines your insurance premiums.

  • Inclement weather

One reason Colorado car insurance is more expensive than other states' is its climate which often includes hail, tornadoes, and snowstorms. These storms can wreak havoc on cars and insurance rates. In addition, the state's rocky terrain means more accidents on dangerous mountain roads, which leads to higher repair costs.

Check out the table below for how Colorado's insurance premiums measure up against nationwide averages:

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
CO $2,374 $1,675 $1,858 $1,040 $2,262 $1,841
National Average $2,490 $1,672 $2,360 $1,391 $2,762 $1,964
CO National Average
All Coverage BeforeCarlay $2,374 $2,490
All Coverage AfterCarlay $1,675 $1,672
Minimum Coverage BeforeCarlay $1,858 $2,360
Minimum Coverage AfterCarlay $1,040 $1,391
Full Coverage BeforeCarlay $2,262 $2,762
Full Coverage AfterCarlay $1,841 $1,964

Top auto insurance providers in Colorado

Travelers, State Farm, and Nationwide are all top car insurance providers operating in Colorado. When shopping for car insurance, make sure to get a comprehensive quote from each of these companies and other major companies operating within Colorado.

All insurance companies calculate premiums differently. As a result, even identical coverage with the same company will result in different quotes, depending on your age, driving history, marital status, and location.

If you are driving a luxury vehicle like Jeep Wrangler Unlimited 4xe or an expensive sports car, your rates will probably be higher than they would be if you drove a compact sedan such as Honda Civic or standard mid-size sedan.

No matter what type of auto insurance you're looking for, Carlay has the right deals on Colorado car insurance. Here are some of the best savings, based on your profile:

Insurance Company Average Cost Annual Savings withCarlay
National General $6,600 $2,480 Compare Prices
State Auto $2,668 $1,169 Compare Prices
Kemper $2,938 $1,098 Compare Prices
Allstate $3,142 $957 Compare Prices
Dairyland $3,106 $877 Compare Prices
Nationwide $2,941 $809 Compare Prices
Safeco $3,127 $777 Compare Prices
Travelers $2,530 $622 Compare Prices

What Car Insurance Do You Need in Colorado?

Before you drive in Colorado, make sure your vehicle has the following minimum liability insurance:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Insurance for bodily injury you cause to others
Property damage liability $15,000 per accident Coverage for the damages you cause to other people's vehicles or property

If you do not obtain the required insurance, you may be penalized with:

  • Four points against your license
  • Minimum $500 fine for a first offense
  • License suspension until you can provide proof of insurance to the DMV

Liability insurance covers the damage you may cause to other people and their property in an accident—it doesn't cover you or your car. We recommend that Colorado drivers carry more than the state's minimum liability insurance. Consider purchasing these additional coverages when you write a car insurance quote:

Coverage Description
Collision insurance Covers damages you suffer due to a collision with another person's vehicle or stationary object.
Comprehensive insurance Covers you for damage caused by vandalism, theft, or other incidents
Roadside assistance Covers the costs associated with car repairs

When it's time to find car insurance, contact Carlay. You can rest assured that you are getting the best rates possible when you do. Carlay compares quotes from the top name-brand insurance companies and will even help cancel or transfer your old policy.

And that's not all! Carlay Insurance will send you new quotes every time your policy comes up for renewal, so you can be sure you're always paying the lowest possible price. On average, Carlay users save $879 per year!

To help you navigate the insurance basics, here are some things that impact the cost of coverage in Colorado.

How is Your Cost of Car Insurance Determined in Colorado?

When you're deciding on your car insurance, keep in mind that your age, driving history, and location are all factors that can affect your rates.

And if you're under 25, it can be tricky to find cheap car insurance. You're likely to have a steep rate hike for being a new driver or having recent speeding tickets. But there are ways to save on your Colorado car insurance—and we'll break down how below!

Young drivers often pay high premiums because they are considered a high-risk group. However, they may find that a good defensive driving course can help lower their rates. In addition, teenagers who maintain at least a B average may be eligible for a good student discount on their insurance.

If you're a young driver, you can save money on car insurance by shopping around, keeping a clean driving record, and applying for discounts offered by different providers.

Carlay helps young drivers find the most affordable prices for car insurance. Here are the average premiums by age:

Age Group Average Cost Annual Savings withCarlay
18-20 $2,803 $882
21-24 $2,774 $953
25-34 $2,560 $898
35-44 $2,393 $810
45-54 $2,544 $829
55-64 $1,996 $650
65+ $2,310 $886
  • Cost to insure your car in Colorado with a poor driving record

Colorado car insurance rates is expensive if you've got a poor driving record. Your driving record will determine your car insurance rates in Colorado. If you've been in an accident or gotten speeding tickets or another ticket, you could see higher insurance rates.

Even though you're considered a high-risk driver and have to pay more to get coverage, it doesn't mean that coverage is not affordable. Carlay helps people with poor driving records find cheap car insurance. After switching to Carlay, these customers saw their rates go down:

Driving Violation Average Cost Annual Savings withCarlay
Clean Record $2,646 $802
Illegal Turn $3,530 $1,703
Failure to Obey Traffic Sign $3,838 $1,433
Careless Driving $3,553 $1,378
Speeding under 15 $3,612 $1,283
Defective Equipment $3,014 $1,097
Driving on Sus. License $2,357 $894
Improper Passing $2,787 $874
DUI $2,917 $839
Speeding over 15 $2,921 $659
  • Cost to insure your car in Colorado based on where you live

The state of Colorado has higher-than-average car insurance rates, but a good number depends on your zip code. Each city and zip code has special rates, but you can expect to pay more if you live in a major city like Denver or Colorado Springs. On the other hand, rates in less-populated areas like the Fort Collins suburb of Loveland will be significantly lower.

For you Carlay customers who live in Colorado, here are some of the best rates we've found:

  • Cost to insure your car in Colorado based on the type of car you drive

Most drivers pay different rates for car insurance, depending on what car you drive. Generally, the less expensive the car, the less expensive it will be to insure. If you drive a Toyota Corolla, you will save on insurance rates and repairs. It's a very reliable and safe car, which means it needs fewer trips to the mechanic for repairs than most other makes and models.

But insurance for a BMW 5 Series will cost more because parts are more expensive and harder to come by. Furthermore, if the car is totaled, it will cost more to replace—so insurance companies charge more.

Here's the cost of insurance for some popular models in Colorado with and without Carlay:

How to Save Money On Car Insurance in Colorado?

People who drive in Colorado have a few options to save money on car insurance.

  • Shop around for quotes

Before purchasing auto insurance, check out multiple agencies for quotes. If you're hoping to save money on car insurance, shop around for your policy before settling on one particular agency. Every insurance company is different, and it's a good idea to understand what type of coverage options are available before deciding on a company.

That's when Carlay can come to your rescue! Carlay helps you save money on your car insurance and services. Sign-up takes less than a minute, and Carlay will do the rest by collecting quotes from over 50 top companies, filling out paperwork, and canceling your old policy. Then, when it's time to renew your policy, Carlay will send you new quotes, so you always know you're getting the best deal.

  • Look for discounts

Discounts can provide significant savings on car insurance. Review your policy and make sure you take advantage of every discount available to you. Consider taking a defensive driving course, maintaining good grades, or getting an alarm system. Each of these actions could qualify you for discounts that will save you money.

Here are some discounts popular with Colorado residents:

Discount Who is eligible?
Good driver discounts In Colorado, if a driver has an excellent driving record, has made no claims and holds a safe driving status with the state, he or she can save up to 30% on car insurance. This is because of a state law that requires insurers to offer discounts for safe drivers.
Bundling discounts When you bundle insurance products, like auto, renters, and home with the same company, you can receive large discounts—savings of more than 18% are not unusual.
Defensive driver discounts If you take a state-approved defensive driving course, you may be eligible for a discount on your automobile insurance.
Anti-theft devices To help you save money, manufacturers offer discounts when you choose to add safety or anti-theft features to your car.
Good student discounts If you are under 25 and a full-time student, check with your insurance company to see if they offer a student discount for maintaining a good score.
Telematics Many insurance companies offer discounts for good driving habits. To get a discount, you usually must enroll in the company's telematics program, which rewards drivers for things like staying within speed limits.

Insurance companies in Colorado also consider how you live when they set your rates. For example, you may qualify for a discount if you have specific employment affiliations, are a homeowner, or are married.

  • Increase your deductible

Increasing your deductible can help lower your insurance rate. The deductible is your pay toward an insured loss before your coverage kicks in. One way to reduce your Colorado car insurance rate is to increase your deductible and thus lower how much you'll pay each month.

If you ever have to file a claim, having a higher deductible will affect your settlement significantly. Thus, we recommend raising it only if you can afford that extra expense if something happens to them.

Registering Your Car in Colorado

To register a car in Colorado, you may need to have the following paperwork:

  • A driver's license or ID card
  • A car title or signed lease agreement and VIN verification
  • Proof of insurance
  • Proof of sales tax payment
  • Proof of Colorado Vehicle Emissions test
  • Pay registration fees

Colorado drivers should make an appointment at the DMV to avoid long wait times when renewing their vehicle registration.

Colorado vehicle registration renewals must be done every year.