The Cheapest Car Insurance in Colorado for January 2025

Cheap car insurance in Colorado

American National offers the cheapest full coverage in Colorado, with an average rate of $108 per month. For those seeking bare-bones coverage, the absolute cheapest car insurance in Colorado is California Casualty, with an average rate of $16 per month for minimum coverage, according to NerdWallet's January 2025 analysis.

Cheapest full coverage car insurance in Colorado

How NerdWallet’s editorial team determined these rates: Once a month, NerdWallet’s car insurance data team analyzes more than 500 million sample car insurance rates provided by Quadrant Information Services to find the auto insurers offering the cheapest rates. Our data analysis combines hundreds of hours of rigorous data vetting, thorough optimizing and extensive engineering work to provide you with the cheapest car insurance companies in Colorado on a monthly basis.

The quotes you get when you shop around may be different because insurers will use your personal characteristics — like age, driving record, the car you drive and where you live — to determine how much you’ll pay for a policy. But you can use the rates in our analysis to get a sense of cheap companies in the Centennial State, and which insurers you may want to get a quote from.

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Best cheap car insurance in Colorado

If you want the best and cheapest company in Colorado, look no further than Geico. Not only does it have an affordable minimum coverage rate of $40 per month, it also boasts a 4.5 NerdWallet star rating thanks to the company's strong financial strength, extensive list of discounts and few complaints to state regulators.

Geico offered the cheapest median rate for minimum coverage for Colorado drivers out of all the top-ranking insurers in the state, based on NerdWallet’s January 2025 analysis.

To see the full list of best companies in the state, check out our roundup of the best car insurance in Colorado.

» MORE: The best home insurance in Colorado

Colorado car insurance by city

Your ZIP code is one of the key factors in determining what you’ll pay for auto insurance. Here are the median annual rates for minimum coverage car insurance in some of Colorado’s most popular cities:

» MORE: The best home insurance in Colorado

Cheap auto insurance in Colorado by age

Your age is one of the most important factors in determining how much you'll pay for car insurance. Below you'll find the cheapest insurance companies for young drivers, millennials and seniors.

Cheapest car insurance in Colorado for young drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Young drivers in Colorado with clean driving records may want to consider the following companies, which had the lowest average rates for minimum coverage among 20-year-olds:

Cheapest car insurance in Colorado for millennials

Colorado millennials with clean driving records may want to consider the following companies, which had the lowest average rates for minimum coverage among 35-year-olds:

Cheap auto insurance in Colorado for seniors

Car insurance costs may start to rise for senior drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Senior drivers in Colorado with clean driving records may want to think about getting quotes from these companies, which had the lowest average minimum coverage rates for 70-year-old drivers:

Cheapest car insurance in Colorado by driving record

Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.

NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Colorado drivers with different driving records. If you have multiple violations on your record, consider looking into the best high risk car insurance companies.

Cheapest car insurance in Colorado after a speeding ticket

If you recently got a speeding ticket in Colorado, check out these companies we found with the lowest average rates for minimum coverage:

» MORE: How a speeding ticket affects your insurance.

Cheapest car insurance in Colorado after an accident

If you were in a crash recently, check out these companies we found with the lowest average rates for minimum coverage in Colorado:

» MORE: How much does auto insurance increase after an accident?

Cheapest car insurance in Colorado after a DUI

If you have a DUI on your record, check out these companies we found with the lowest average rates for minimum coverage:

» MORE: Cheap car insurance after a DUI

Cheap car insurance for drivers with poor credit

Your credit history can impact how much you pay for auto insurance. Many insurers in Colorado use a credit-based insurance score to price their policies.

Here are the companies that offer the cheapest median minimum coverage rates in Colorado for people with blemished credit.

» MORE: What to know about a credit-based insurance score

Cheapest car insurance for military families in Colorado

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 58 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Perks of choosing a regional insurer in Colorado

It's worth looking into smaller, regional insurers that may offer extra benefits to Colorado drivers. Grange Insurance Association, California Casualty and Colorado Farm Bureau are smaller insurers available in Colorado and offer some of the lowest median minimum coverage rates in the state.

Additionally, Colorado Farm Bureau offers discounts for car rentals, farm and office equipment, hotel stays, and more. Members also have access to banking services and mortgage loans through the Farm Bureau.

Other insurers also provide perks with their auto policies. CSAA Insurance Group policyholders get access to AAA membership benefits like ski-pass discounts to Vail Resort and Mountain Collective, which includes access to resorts in Aspen and Arapahoe Basin, as well as many other ski resorts outside Colorado. This insurer also provides discounts in areas like entertainment, dining and travel.

Reddit users’ take on cheap car insurance in Colorado

Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like auto insurance, so we sifted through Reddit forums to get a pulse check on how users in Colorado have managed to find cheap car insurance. People post anonymously, so we cannot confirm their individual experiences or circumstances.

Reddit threads discussing cheap Colorado car insurance include mentions of various companies, since insurers will give different quotes depending on each user’s unique personal characteristics. Some of the companies mentioned are AAA, Progressive, Fred Loya, Geico, Costco Connect, SafeCo and Compass.

Reddit users discussing cheap car insurance in Colorado often mention using an independent car insurance agent or insurance broker to help them find affordable rates. Shopping through an agent or broker can be useful for comparing quotes from many different insurers at once, plus getting quotes from smaller insurers you may not be familiar with.

Working with an independent agent and broker can also be helpful when bundling multiple types of insurance, because they can find the best rates for you for each type of coverage.

» MORE: The differences between an insurance broker and an independent agent.

Minimum auto insurance limits required in Colorado

Colorado drivers are required to carry liability insurance, which helps pay for others' injuries or property damage if you're responsible for a crash.

The minimum coverage levels you must buy in Colorado are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per accident.

• $15,000 property damage liability per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

But it’s often best to buy more than the bare minimum to avoid being left vulnerable to lawsuits or major accident bills. You also want to consider other coverage types such as collision and comprehensive, which pay for damage to or theft of your own car.

Check out NerdWallet's guide to state car insurance requirements.

Alternative car insurance in Colorado

Colorado drivers who can’t get coverage on the open market because of past crashes or other factors can apply for coverage through the Colorado Automobile Insurance Plan.

For more help finding Colorado car insurance at the most competitive price, try NerdWallet’s comparison shopping tool.