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Auto Insurance ColoradoDrivers in Colorado is fortunate to be able to travel on the largest number of Nationally Designated Scenic Byways in the United States. Whether you’re driving across the nation’s tallest suspension bridge over the Royal Gorge or climbing the highest paved road to Mt. Evans, it’s important to have the right car insurance protection.
 
Many AARP members and their families in Colorado have relied on the AARP® Auto Insurance Program from The Hartford1 for the car insurance they need. This has helped us earn a reputation for trust and integrity. You also know you can count on us because of our high customer ratings for claims services.
 
Best Car Insurance ColoradoFind the Best Car Insurance in Colorado With Benefits and Discounts
To find the right coverage, you’ll want to shop around for different discounts and auto insurance quotes in Colorado. Some of the discounts we offer AARP members include:
 
12-Month Rate Protection: We’ll lock your lower premium in for a full-year to help you save money.

First Accident Forgiveness: With this, your car insurance rates won’t go up because you’ve had an accident. We also won’t count it against you.

One Deductible: If you need to file a claim for two of your vehicles that are both insured by the AARP Auto Insurance Program from The Hartford, you’ll only have to pay the higher deductible.

Disappearing Deductible: We’ll reduce your collision deductible all the way down to $0 each year as long you maintain a clean driving record.
Car Insurance Benefits Offered to Colorado Drivers
Drivers from the state of Colorado can also receive these benefits from us:
 
New Car Replacement: If you total your new car within the first 15 months or 15,000 miles after you buy it, your policy will help pay to replace it.

24/7 Claim Service: Our representatives can help guide you through the claims process at any time of the day. You can reach them at 800-243-5860.

Towing and Labor: This can help pay for emergency roadside assistance if you break down while driving. It can also help tow your car to a repair shop.  

Required Car Insurance Coverages in Colorado
In the state of Colorado, you must carry liability insurance at the following minimum required limits:2
 
$25,000 for bodily injury, per person per accident
$50,000 for bodily injury, total per accident
$15,000 for property damage, per accident

Optional Car Insurance Coverages in Colorado
It’s important to remember that the cheapest car insurance doesn’t always offer the best coverage. In many cases, the cheapest options lack in adequate protection. This can cause you to have pay out-of-pocket for certain damages.

To make sure you have enough protection, you may want some extra coverages, like:-

  • Uninsured motorist bodily injury and property coverage
  • Comprehensive coverage
  • Collision Insurance
  • Emergency Roadside Assistance
  • Rental Car Reimbursement Coverage
  • Medical Payments
  • Proof of Car Insurance in Colorado
If you’re a licensed driver in the state of Colorado, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. Colorado does accept electronic proof of car insurance and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.
 
Colorado Uninsured Motorist Facts
With uninsured motorist coverage, you can protect yourself if you’re in an accident with a driver that doesn’t have insurance. This policy can help pay for car repairs and bodily injuries from the collision.
 
Driving Laws in Colorado
To stay safe on Colorado roads, it’s important to keep driving laws in mind:3
 
Colorado Seat Belt Laws
If law enforcement pulls you over for a traffic violation in Colorado and you’re not wearing your seat belt, they’ll give you a ticket.
 
Colorado Distracted Driving Laws
Colorado bans the use of cell phones by all young drivers under 18. Texting while driving is also against the law in the state.
 
Colorado Teen Driver Laws
Colorado wants to keep all teen drivers safe. That’s why they have graduated licensing laws that make sure teenagers gain the experience they need to be good drivers and stay safe behind the wheel.3
 
These laws limit nighttime driving, restrict teen passengers and ensure young drivers get the right amount of supervised driving practice in Colorado.
 
Get Car Insurance Quotes in Colorado
Car Insurance Quotes ColoradoTo learn more, get a car insurance quote from us today. You can also call our specialists at 888-413-8970 and they’ll help you find the best price while meeting insurance requirements for your state.
 
Common Questions About Car Insurance in Colorado

What Is the Average Cost of Car Insurance in Colorado?
Average Car Insurance Cost ColoradoAccording to the Insurance Information Institute (III), the average cost of Colorado car insurance is $1,050.4  However, your insurance company will base your price off factors like your zip code and credit scores.
 
Does Insurance Follow the Car or Driver in Colorado?

Car insurance usually follows the car instead of the driver. So, if your neighbor borrows your car, your Colorado auto policy may or may not cover them depending on what it includes.
 
Does Colorado Require Car Insurance?

Yes, the state of Colorado does have minimum coverage requirements for auto liability insurance.

Who Has the Best Auto Insurance Rates in Colorado?

To find the best auto insurance rates, you’ll want to compare coverages from multiple auto insurance companies. You’ll also want to make sure you ask what discounts and benefits are available. Sometimes, you can also save money by bundling your home and auto coverages.
 
2 Rocky Mountain Insurance Information Association (RMIIA), “Colorado Auto Insurance Requirements.”
 
3 Governors Highway Safety Association (GHSA), “State Laws.”
 
4 Insurance Information Institute (III), “Facts + Statistics: Uninsured Motorists.”
Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.

 If you total your new car within the first 15 months (12 months in NC) or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.

First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. 

First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. 

The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
 
One Deductible applies for any Home policy, if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.

Best Cheap Car Insurance in Colorado in 2021

Cheapest for 20-year-old drivers in Colorado

Drivers in their 20s may have to get a lot of quotes to find 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.

Cheapest full coverage in Colorado for 20-year-olds
Drivers in Colorado with clean driving records may want to consider the following companies, which had the lowest average rates:
American National: $1,388 per year.
Esurance: $1,609 per year.
Geico: $1,667 per year.
Allstate: $3,086 per year.
State Farm: $3,165 per year.
Cheapest minimum coverage in Colorado for 20-year-olds
Drivers in Colorado who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
American National: $447 per year.
Geico: $475 per year.
Esurance: $866 per year.
California Casualty: $902 per year.
Grange Insurance Association: $939 per year.
Cheapest coverage for 20-year-olds with poor credit in Colorado
Drivers with poor credit in Colorado should look at the following insurers with the lowest average rates for minimum coverage:
Geico: $672 per year.
Allstate: $1,255 per year.
Grange Insurance Association: $1,255 per year.
Esurance: $1,315 per year.
Acuity: $1,421 per year.
Cheapest for 20-year-old drivers with one at-fault crash in Colorado
For drivers with a recent accident in Colorado, here are the companies with the lowest average rates for minimum coverage:
American National: $631 per year.
Geico: $761 per year.
Esurance: $977 per year.
California Casualty: $1,252 per year.
Allstate: $1,322 per year.
Cheapest insurance for 20-year-old drivers after a DUI in Colorado
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.
American National: $730 per year.
Esurance: $901 per year.
Geico: $912 per year.
Allstate: $1,257 per year.
Colorado Farm Bureau: $1,672 per year.
Cheapest for 30-year-old drivers in Colorado
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in Colorado for 30-year-olds
Drivers in Colorado with clean driving records may get the lowest rates from these companies:
Esurance: $692 per year.
American National: $765 per year.
Geico: $1,012 per year.
Grange Insurance Association: $1,635 per year.
State Farm: $1,662 per year.
Cheapest minimum coverage in Colorado for 30-year-olds
Drivers in Colorado who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

American National: $202 per year.
Geico: $273 per year.
Grange Insurance Association: $282 per year.
Auto-Owners: $429 per year.
California Casualty: $430 per year.

Cheapest coverage for 30-year-olds with poor credit in Colorado
Drivers with poor credit in Colorado should consider the following companies with the lowest average rates for full coverage:
Esurance: $1,216 per year.
Geico: $1,499 per year.
Grange Insurance Association: $2,184 per year.
Acuity: $2,358 per year.
American National: $2,573 per year.
Cheapest for 30-year-old drivers with one at-fault crash in Colorado
For drivers in Colorado with a recent accident, here are the lowest average rate options for full coverage:
American National: $984 per year.
Esurance: $1,261 per year.
Geico: $1,812 per year.
State Farm: $2,174 per year.
Grange Insurance Association: $2,192 per year.
Cheapest insurance for 30-year-old drivers after a DUI in Colorado
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
Esurance: $1,098 per year.
American National: $1,103 per year.
Geico: $2,072 per year.
Allstate: $2,437 per year.
State Farm: $2,569 per year.
Cheapest for 40-year-old drivers in Colorado
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Colorado for 40-year-olds
Drivers in Colorado with clean driving records may want to think about the following companies, which had the lowest average rates:
Esurance: $662 per year.
American National: $688 per year.
Geico: $995 per year.
State Farm: $1,625 per year.
Grange Insurance Association: $1,654 per year.
Cheapest minimum coverage in Colorado for 40-year-olds
Drivers in Colorado who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
American National: $192 per year.
Geico: $271 per year.
Grange Insurance Association: $287 per year.
California Casualty: $424 per year.
State Farm: $437 per year.
Cheapest coverage for 40-year-olds with poor credit in Colorado
Drivers with poor credit in Colorado can check out the following insurers with the lowest average rates for full coverage:
Esurance: $1,156 per year.
Geico: $1,472 per year.
Grange Insurance Association: $2,210 per year.
Acuity: $2,294 per year.
American National: $2,314 per year.
Cheapest for 40-year-old drivers with one at-fault crash in Colorado
For drivers with a recent accident living in Colorado, here are the companies with the lowest average rates for full coverage:
American National: $878 per year.
Esurance: $1,213 per year.
Geico: $1,771 per year.
American Family: $2,111 per year.
State Farm: $2,128 per year.
Cheapest insurance for 40-year-old drivers after a DUI in Colorado
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
American National: $982 per year.
Esurance: $1,050 per year.
Geico: $2,059 per year.
Allstate: $2,437 per year.
American Family: $2,511 per year.
Cheapest for 50-year-old drivers in Colorado
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Colorado for 50-year-olds
Drivers in Colorado with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
Esurance: $648 per year.
American National: $664 per year.
Geico: $1,003 per year.
Acuity: $1,488 per year.
Grange Insurance Association: $1,492 per year.
Cheapest minimum coverage in Colorado for 50-year-olds
Drivers in Colorado who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
American National: $179 per year.
Grange Insurance Association: $257 per year.
Geico: $280 per year.
California Casualty: $404 per year.
Auto-Owners: $407 per year.
Cheapest coverage for 50-year-olds with poor credit in Colorado
Drivers with poor credit in Colorado can check with the following companies, which showed the lowest average rates for full coverage:
Esurance: $1,096 per year.
Geico: $1,485 per year.
Grange Insurance Association: $1,995 per year.
Acuity: $2,029 per year.
American National: $2,233 per year.
Cheapest for 50-year-old drivers with one at-fault crash in Colorado
For drivers living in Colorado with a recent accident, here are the insurers with the lowest average full coverage rates:
American National: $845 per year.
Esurance: $1,209 per year.
American Family: $1,944 per year.
Grange Insurance Association: $1,999 per year.
Geico: $2,016 per year.
Cheapest insurance for 50-year-old drivers after a DUI in Colorado
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
American National: $944 per year.
Esurance: $1,040 per year.
Geico: $2,261 per year.
American Family: $2,304 per year.
Allstate: $2,308 per year.
Cheapest for 65-year-old drivers in Colorado
Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Colorado for 65-year-olds
Drivers in Colorado with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
American National: $626 per year.
Esurance: $693 per year.
Geico: $1,033 per year.
State Farm: $1,476 per year.
Acuity: $1,502 per year.
Cheapest minimum coverage in Colorado for 65-year-olds
Drivers in Colorado who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

American National: $200 per year.
Grange Insurance Association: $300 per year.
Geico: $309 per year.
California Casualty: $386 per year.
State Farm: $411 per year.
Cheapest coverage for 65-year-olds with poor credit in Colorado
Drivers with poor credit in Colorado can look at the following companies with the lowest average rates for full coverage:
Esurance: $1,127 per year.
Geico: $1,531 per year.
Acuity: $2,049 per year.
American National: $2,106 per year.
Grange Insurance Association: $2,313 per year.
Cheapest for 65-year-old drivers with one at-fault crash in Colorado
For drivers with a recent accident living in Colorado, here are the companies with the lowest average rates for full coverage:
American National: $810 per year.
Esurance: $1,288 per year.
American Family: $1,932 per year.
State Farm: $1,945 per year.
Geico: $2,129 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Colorado
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
American National: $909 per year.
Esurance: $1,114 per year.
Geico: $2,246 per year.
American Family: $2,300 per year.
State Farm: $2,308 per year.
Cheapest for military families
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 30 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 they’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.

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 Motor Vehicle Plan.

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

For full coverage policies, we used the following coverage limits:

$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 80 years old in five-year increments.
We used the same assumptions for all other driver profiles, with the following exceptions:

For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
These are rates generated through Quadrant Information Services. Your own rates will be different.