Who Has the Cheapest Auto Insurance Quotes in Colorado? – ValuePenguin
best cheap car insurance in colorado
cheapest auto insurance companies in colorado for minimum coverage
The cheapest auto insurance policies are liability-only policies that meet the minimum coverage requirements. On average, you’ll find the lowest state minimum auto insurance quotes in Colorado from State Farm, Geico, and Progressive.
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eligible drivers must also obtain a quote from usaa. a minimum coverage policy costs an average of $381 per year, cheaper even than the state farm. but only current or former military members and their families can get a policy.
Reading: Who has the cheapest liability auto insurance
cheapest auto insurance companies in colorado with minimum coverage
cheapest full coverage auto insurance quotes in colorado: state farm
The average full coverage policy costs $2,198 per year in Colorado, making it one of the most expensive states for auto insurance. after state farm, the next two companies with the highest savings are geico and progressive.
cheapest auto insurance companies in colorado for full coverage
A minimum coverage policy in Colorado only covers the cost of damages or injuries you caused in a car accident. A comprehensive coverage policy, including all risks and collision, covers damage to your own car, whether the damage occurs on or off the road.
Full coverage policies include liability plus collision and comprehensive coverage. Comprehensive insurance protects you against damage to your car caused by events not strictly related to driving, such as theft or weather damage. Collision insurance covers you for damage to your car that isn’t covered by another driver’s liability insurance, like if you hit a pothole or a power pole.
Inexpensive car insurance quotes for drivers with previous incidents: state farm
Unfortunately, having a less than perfect driving record can cause your auto insurance rates to increase substantially. If you were recently at-fault in an accident or caught driving over the speed limit, you are likely to pay much higher rates than before. and that makes it even more important to find the best price for you.
cheapest car insurance after a speeding ticket: state farm
state farm offers the lowest quotes to drivers with a recent speeding ticket, with full coverage rates around half the average price among colorado insurers. allstate is a distant second, though you could still save nearly $114 per year compared to the average.
cheapest auto insurance companies for colorado drivers with a ticket
cheaper car insurance after an accident: state farm
A driver with a history of accidents or moving violations is likely to pay much higher auto insurance quotes in colorado. insurance companies in the state raise rates an average of 47% after an accident.
cheapest auto insurance companies in colorado for drivers after an accident
cheaper car insurance rates after a dui: progressive
If you were recently convicted of driving under the influence (DUI), progressive has the best quotes for comprehensive coverage. raises rates by a scant 15%, much less than normal across the country.
A DUI is a serious traffic offense, so it’s common to see a large rate increase afterward. for example, nationally more than doubles insurance costs after a dui.
cheapest auto insurance companies in colorado for dui drivers
the cheapest car insurance for drivers with bad credit: state farm
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state farm has the lowest quotes for a driver with bad credit, with an average rate of $187 per month. that’s 29% cheaper than average compared to other major businesses in colorado.
While a low credit score doesn’t indicate you’re a bad driver, insurers see it as a sign that you’re more likely to have an accident or file a claim. As a result, you’ll likely pay more for car insurance in most states, including Colorado.
cheapest auto insurance companies in colorado for bad credit drivers
cheapest auto insurance quotes for married drivers: state farm
Married drivers can search state farm for the cheapest rates in colorado for full coverage. The company, which already has the cheapest rates in the state, does not give a discount to married drivers. Geico offers married drivers the biggest discount, cutting rates by 7%.
Most insurance companies offer slightly cheaper quotes for married drivers, since insurers see them as less risky drivers. On average, Colorado insurers reduce rates by 4% for married drivers.
cheapest auto insurance companies for married drivers in colorado
cheapest car insurance for young drivers in colorado: state farm
The cheapest auto insurance overall for 18-year-old drivers is from state farm, which averages $1,559 for a stand-alone minimum coverage policy.
cheapest auto insurance companies in colorado for teen drivers
cheapest car insurance quotes for young drivers after ticket: state farm
When looking for a cheap policy, we recommend young drivers with tickets get a quote from state farm, which averages $1,732 per year for minimum coverage.
Young drivers with tickets will see their premiums increase when they renew or purchase auto insurance. On average in Colorado, premiums will increase about 13% for young drivers who receive a speeding ticket.
cheapest auto insurance companies in colorado for teen drivers with a ticket
cheapest auto insurance for teen drivers after an accident: state farm
Young drivers looking for the cheapest policy after an accident can find affordable quotes with state farm. the company’s average fee is $1,905 per year for minimum coverage.
An at-fault accident will often increase rates more than a speeding ticket because insurers see it as a higher risk, and young Colorado drivers can expect rates to increase 25% after an accident.
cheapest auto insurance companies in colorado for teen drivers after an accident
best auto insurance companies in colorado
state farm is our top recommendation for the best insurance company in colorado, due to a strong combination of affordable quotes, customer service, and coverage options. we also took into account the result of j.d. Power Auto Insurance Claims Satisfaction Survey.
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geico is the next best thing and offers a convenient user experience for buying auto insurance and updating your policy online. Nationwide is also a good option if you want a variety of ways to customize coverages, including pay-per-mile insurance.
jd power’s survey scores out of 1,000 and represent how satisfied customers are with their insurers. am best’s financial strength rating is a letter grade that describes an insurer’s financial ability to pay claims. the highest rating is a++.
minimum auto insurance requirements in colorado
colorado requires all drivers to maintain minimum limits for liability insurance. auto insurance policies should include bodily injury liability and property damage liability coverage.
In addition to the required coverages, Coloradans also have the option to purchase uninsured and underinsured motorist coverage, medical payments, comprehensive and collision coverage.
average cost of auto insurance in colorado by city
The average cost of a full coverage policy in Colorado is $2,198 per year, or $183 per month, making it one of the most expensive states in the country for auto insurance.
Location is only one factor that affects auto insurance prices, and while these averages can give you a good idea of how prices may vary, your auto insurance quotes will differ. In general, big cities like Denver will have higher rates because there are more car accidents and thefts.
an overview of the cheapest auto insurance quotes in colorado
frequently asked questions
We collect thousands of rates from zip codes throughout Colorado for the largest insurers in the state. We use a sample controller with the following profile:
The base policy for the study was a full coverage policy with the following limits:
For our minimum coverage policy, we receive quotes for a policy with the minimum required limits in colorado.
For other rate analysis (credit score, accident history, and marital status), the base policy listed above has been modified to reflect the new driver. young driver rates are for minimum coverage policies.
valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.