Cheapest Car Insurance In Colorado 2025
The most budget-friendly car insurance in Colorado comes from Colorado Farm Bureau, with a monthly cost of approximately $26 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for low-cost car insurance in Colorado? Rates can fluctuate significantly depending on the company.
Colorado Farm Bureau leads the pack when it comes to low-cost liability-only insurance. Meanwhile, State Farm is the go-to choice for affordable full coverage, and American National offers the best rates for younger drivers.
Cheapest Car Insurance Companies In Colorado, 2025
Cheapest Liability-only Car Insurance In Colorado: Colorado Farm Bureau
Colorado Farm Bureau stands out as the most budget-friendly choice for minimum coverage car insurance in Colorado, costing about $26 per month.
The table below shows how rates differ across various insurance companies—take a look to compare.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $26 | $312 |
| Progressive | $40 | $480 |
| American National | $29 | $348 |
| State Farm | $50 | $600 |
| Auto-Owners | $49 | $588 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm stands out as the most budget-friendly option for senior drivers in Colorado, with rates averaging $74 per month.
Below is a table showing the average rates from the most affordable auto insurers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $74 | $888 |
| American Family | $100 | $1,200 |
| Nationwide | $114 | $1,368 |
| Progressive | $116 | $1,392 |
| Auto-Owners | $130 | $1,560 |
Cheapest Full Coverage Insurance Rates In Colorado: State Farm
State Farm stands out as the most budget-friendly provider of full coverage car insurance in Colorado, with rates averaging $96 per month.
Below is a table comparing average auto insurance rates from low-cost providers in Colorado.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Nationwide | $158 | $1,896 |
| American Family | $133 | $1,596 |
| GEICO | $146 | $1,752 |
| Progressive | $168 | $2,016 |
Cheapest Auto Insurance For Young Adults in Colorado: American National
With an average monthly premium of $86, American National offers the best-priced insurance for young adults in Colorado.
The table provides a comparison of the best budget-friendly insurance rates for young adults in Colorado.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $86 | $1,032 |
| Colorado Farm Bureau | $95 | $1,140 |
| GEICO | $102 | $1,224 |
| Auto-Owners | $92 | $1,104 |
| State Farm | $107 | $1,284 |
Cheapest Rates In Colorado For Teenagers: State Farm
At around $180 per month, State Farm provides the most budget-friendly car insurance for teenage drivers in Colorado.
Below is a table showing which insurers offer the lowest premiums for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $180 | $2,160 |
| American Family | $236 | $2,832 |
| Allstate | $278 | $3,336 |
| GEICO | $247 | $2,964 |
| Auto-Owners | $294 | $3,528 |
Cheapest Car Insurance In Colorado For Good Drivers: Colorado Farm Bureau
With an average monthly rate of $26, Colorado Farm Bureau provides the best-priced car insurance for responsible drivers in Colorado.
The following table shows average quotes from the cheapest insurance providers for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $26 | $312 |
| Progressive | $40 | $480 |
| American National | $29 | $348 |
| State Farm | $50 | $600 |
| Auto-Owners | $49 | $588 |
Find affordable Colorado rates
Cheapest Car Insurance In Colorado After A Speeding Ticket: State Farm
At an average of $62 per month, State Farm is among the cheapest insurance providers in Colorado for drivers with a speeding ticket.
If you have a speeding ticket, check the table below to see average insurance premiums.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $744 |
| American Family | $84 | $1,008 |
| Allstate | $94 | $1,128 |
| Progressive | $107 | $1,284 |
| Auto-Owners | $110 | $1,320 |
Cheapest For Drivers With After At-Fault Accident: State Farm
At $64 per month on average, State Farm has the most budget-friendly car insurance for drivers with an at-fault accident.
The following companies provide the most budget-friendly insurance rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $64 | $768 |
| GEICO | $95 | $1,140 |
| Auto-Owners | $113 | $1,356 |
| Nationwide | $104 | $1,248 |
| Progressive | $109 | $1,308 |
Cheapest Rates In Colorado For Drivers After A DUI: State Farm
At an average of $75 per month, State Farm has the most budget-friendly car insurance for Colorado drivers after a DUI.
The following table lists the most budget-friendly insurance rates for drivers in Colorado with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $900 |
| American Family | $105 | $1,260 |
| Nationwide | $121 | $1,452 |
| Auto-Owners | $132 | $1,584 |
| GEICO | $114 | $1,368 |
Best Car Insurance Companies In Colorado
The most budget-friendly car insurance in Colorado comes from Colorado Farm Bureau at $26 per month, though American National ($29) and GEICO ($37) are also solid choices.
Listed below are Colorado top 10 car insurance providers, ranked based on their average monthly costs.
| Company | Monthly Premium |
| Colorado Farm Bureau | $26 |
| Progressive | $40 |
| American National | $29 |
| State Farm | $50 |
| Auto-Owners | $49 |
| GEICO | $37 |
| Acuity | $48 |
| Auto-Owners | $52 |
| Root | $81 |
| Sun Coast | $83 |
Average Auto Insurance Rates In Colorado – By Age
One of the biggest factors affecting car insurance rates is age. Since younger drivers are more likely to be involved in accidents, their premiums are higher. Teens, for example, pay an average of $3,796 annually.
When drivers reach 25, their car insurance costs tend to go down if they have avoided accidents and violations.
Those in their 50s and early 60s usually receive the most affordable insurance rates, as insurers consider age when assessing risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $3,796 |
| 20s | $2,778 |
| 30s | $1,894 |
| 40s | $1,948 |
| 50s | $1,573 |
| 60s | $1,658 |
| 70s | $1,736 |
Average Rates In Colorado – By Vehicle
The cost of car insurance varies based on the type of car you drive. Insurance companies assess details like the make, model, and year, with newer, high-end vehicles typically leading to higher rates.
Check the table below to see the typical insurance costs for various vehicle models in Colorado.
| Vehicle | Average Monthly Rate |
| Toyota Tundra | $138 |
| Kia Soul | $192 |
| BMW 328 | $164 |
| Hyundai Accent | $306 |
| Chevrolet Colorado | $664 |
How Much Is Car Insurance In Other Cities in Colorado?
The cost of car insurance depends largely on where you live. Urban areas, with their higher chances of accidents, theft, and vandalism, generally come with increased insurance rates.
Denver drivers face an average monthly car insurance cost of $268, while those in Grand Junction typically pay $176.
| City | Average Monthly Rate |
| Englewood | $252 |
| Fort Collins | $205 |
| Golden | $235 |
| Grand Junction | $176 |
| Arvada | $230 |
| Aurora | $267 |
| Boulder | $220 |
| Broomfield | $217 |
| Pueblo | $250 |
| Denver | $268 |
Find affordable Colorado rates
Our Methodology
I’ve carefully reviewed customer ratings, policy options, pricing, and online feedback to provide an in-depth look at car insurance providers in Colorado.
Quotes Assessed
Hours Of Research
Years Of Industry Expertise
Brands Reviews
FAQs
Who has the lowest car insurance rates in Colorado?
The cheapest car insurance in Colorado comes from Colorado Farm Bureau for state-required minimum coverage and Progressive for full coverage, which includes both comprehensive and collision insurance.
What is the average cost of car insurance in Colorado?
Colorado drivers pay an average of $160 per month for car insurance, but your premium will depend on factors like where you live, what you drive, and your driving record.
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