Cheap Car Insurance Quotes in Colorado (2025)
Best cheap car insurance in Colorado
Colorado’s cheapest full-coverage car insurance: State Farm
USAA has Colorado’s cheapest overall full-coverage rate. However, USAA is only available to the military community.
Full-coverage car insurance rates by company
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,948 |  |
 | Auto-Owners | $2,169 |  |
 | Geico | $2,271 |  |
 | American Family | $2,528 |  |
 | Progressive | $2,569 | |
 | Allstate | $3,581 |  |
 | Nationwide | $4,027 | |
 | Farmers | $5,091 | |
 | USAA* | $1,840 | |
Auto-Owners is also a good company to contact for an auto insurance quote. Its rates are low, and it offers features like accident forgiveness and gap insurance, which you can’t get from State Farm.
Each company’s rates vary by customer. This is why it’s good to compare car insurance quotes from a few different companies when you shop or renew your policy.
Cheapest liability-only car insurance in Colorado: State Farm
Of these two companies, State Farm has a higher overall customer satisfaction rating from J.D. Power.
Liability-only insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $689 |
| Progressive | $727 |
| Geico | $784 |
| American Family | $786 |
| Auto-Owners | $806 |
| Nationwide | $1,329 |
| Allstate | $1,495 |
| Farmers | $1,665 |
| USAA* | $450 |
Colorado’s best insurance rates for young drivers: State Farm
Geico and American Family are next, charging $207 a month and $208 a month, respectively.
State Farm also has the cheapest full-coverage car insurance quotes for teen drivers at $467 a month.
Annual teen car insurance rates
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $2,377 | $5,605 |
| Geico | $2,488 | $6,220 |
| American Family | $2,501 | $7,150 |
| Auto-Owners | $3,107 | $7,102 |
| Progressive | $3,497 | $10,935 |
| Allstate | $3,893 | $7,119 |
| Nationwide | $5,468 | $12,935 |
| Farmers | $6,345 | $16,973 |
| USAA* | $1,305 | $4,440 |
- Getting good grades in school
- Completing an approved driver’s education or training program
- Going off to college without a car
Cheapest car insurance in Colorado after a ticket: State Farm
A speeding ticket raises auto insurance rates by an average of 29% in Colorado. However, State Farm only raises its rates by 7% after a ticket.
Auto insurance rates after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,086 |
| Auto-Owners | $2,262 |
| American Family | $2,972 |
| Geico | $3,036 |
| Allstate | $3,955 |
| Progressive | $4,135 |
| Nationwide | $5,806 |
| Farmers | $6,937 |
| USAA* | $2,291 |
Best cheap car insurance in Colorado after an accident: State Farm
State Farm’s rate is also 38% less than the next-cheapest rate of $301 a month from Auto-Owners.
Auto insurance rates after an accident
| Company | Annual Rate |
|---|---|
| State Farm | $2,237 |
| Auto-Owners | $3,615 |
| American Family | $3,748 |
| Geico | $4,300 |
| Progressive | $4,605 |
| Allstate | $5,483 |
| Farmers | $7,002 |
| Nationwide | $7,038 |
| USAA* | $2,592 |
An at-fault accident raises the average price of car insurance in Colorado by 56% to $376 a month. This is where accident forgiveness can help.
With accident forgiveness, your first at-fault accident won’t make your insurance rate go up. Some companies don’t offer it. Those that do usually make you pay a little extra to add it to your policy.
Auto-Owners and Progressive are among the companies that offer accident forgiveness. State Farm and Geico are among the companies that don’t.
Best insurance for Colorado teens with a bad driving record: State Farm
- State Farm’s liability rates for teens with a speeding ticket average $218 a month. American Family’s rate is only slightly higher at $226 a month.
- State Farm charges young drivers with an accident an average of $240 a month. This is 21% less than American Family’s rate of $306 a month.
Of the two companies, American Family has a slightly higher customer satisfaction rating from J.D. Power.
Annual insurance rates for teens with an incident
| Company | After ticket | After accident |
|---|---|---|
| State Farm | $2,617 | $2,879 |
| American Family | $2,710 | $3,667 |
| Geico | $2,929 | $4,001 |
| Auto-Owners | $3,262 | $5,529 |
| Allstate | $4,486 | $7,048 |
| Progressive | $4,689 | $4,974 |
| Nationwide | $5,940 | $6,011 |
| Farmers | $7,847 | $7,847 |
| USAA* | $1,467 | $1,525 |
Cheap car insurance rates after a DUI in Colorado: Progressive
However, Geico offers a few more discounts than Progressive. These include discounts to military members, federal employees, and certain employee and membership groups. If you qualify, these discounts may make Geico a cheaper option for you.
Auto insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $3,892 |
| Geico | $4,233 |
| American Family | $4,416 |
| Auto-Owners | $4,486 |
| State Farm | $4,530 |
| Allstate | $4,724 |
| Farmers | $6,812 |
| Nationwide | $9,472 |
| USAA* | $3,809 |
Best auto insurance for Colorado drivers with bad credit: Geico
Insurers view your credit history as a sign of how risky you may be to insure. The average cost of bad credit car insurance in Colorado is $472 a month. This is nearly twice as much as drivers with good credit pay.
You can typically improve your credit by paying down debt and avoiding late payments. Once your credit score increases, shop for car insurance again. You are likely to get a cheaper rate.
Car insurance rates for drivers with bad credit
| Company | Annual rate |
|---|---|
| Geico | $3,355 |
| American Family | $4,303 |
| Progressive | $4,631 |
| Allstate | $6,032 |
| Nationwide | $6,131 |
| Auto-Owners | $6,577 |
| State Farm | $7,778 |
| Farmers | $8,404 |
| USAA* | $3,721 |
Best car insurance companies in Colorado
Auto-Owners is available from independent insurance agents. Most independent agents can get you quotes from a few companies at once, which is good for comparison shopping. Liberty Mutual and Nationwide also work with independent agents.
State Farm and Allstate are among the companies with exclusive agents. These agents can only quote their own company’s rates.
Colorado auto insurance company ratings
| Company | J.D. Power | NAIC | LendingTree |
|---|---|---|---|
| Allstate | 635 | 0.7 | |
| American Family | 660 | 0.4 | |
| Auto-Owners | 654 | 0.5 | |
| Farmers | 619 | 1.3 | |
| Geico | 637 | 0.7 | |
| Nationwide | 641 | 0.8 | |
| Progressive | 622 | 0.7 | |
| State Farm | 657 | 0.8 | |
| USAA* | 739 | 1.0 | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Colorado auto insurance rates by city
With rates at $268 a month, Glendale is Colorado’s most expensive city for auto insurance. Denver and Aurora tie for second-highest car insurance rates at $266 a month each. These rates are all at least 10% higher than the state average of $241 a month.
Fruita is the state’s cheapest city for car insurance at $174 a month. Its Mesa County neighbors Fruitvale and Grand Junction have the next-cheapest rates at $175 a month.
Drivers in Colorado Springs pay an average of $248 a month for car insurance. This is 3% higher than the state average. In Fort Collins, it costs an average of $204 a month, or 15% less than the state average.
Car insurance rates near you
| Acres Green | $2,857 |
|---|---|
| Agate | $3,002 |
| Aguilar | $2,799 |
| Air Force Academy | $2,868 |
| Akron | $2,976 |
| Alamosa | $2,549 |
| Alamosa East | $2,461 |
| Allenspark | $2,688 |
| Alma | $2,678 |
| Almont | $2,472 |
| Amherst | $2,851 |
| Anton | $2,871 |
| Antonito | $2,497 |
| Applewood | $2,807 |
| Arapahoe | $2,953 |
| Arlington | $2,906 |
| Arriba | $2,852 |
| Arvada | $2,751 |
| Aspen | $2,558 |
| Atwood | $2,773 |
| Ault | $2,531 |
| Aurora | $3,194 |
| Austin | $2,223 |
| Avon | $2,472 |
| Avondale | $2,967 |
| Bailey | $2,835 |
| Basalt | $2,515 |
| Battlement Mesa | $2,275 |
| Bayfield | $2,555 |
| Bedrock | $2,383 |
| Bellvue | $2,576 |
| Bennett | $2,892 |
| Berkley | $2,947 |
| Berthoud | $2,447 |
| Bethune | $2,917 |
| Beulah | $2,988 |
| Black Forest | $2,936 |
| Black Hawk | $2,766 |
| Blanca | $2,589 |
| Blende | $2,987 |
| Blue River | $2,545 |
| Boncarbo | $2,782 |
| Bond | $2,561 |
| Boone | $2,975 |
| Boulder | $2,617 |
| Bow Mar | $2,833 |
| Branson | $2,829 |
| Breckenridge | $2,550 |
| Briggsdale | $2,705 |
| Brighton | $2,789 |
| Brookside | $2,533 |
| Broomfield | $2,587 |
| Brush | $2,754 |
| Buena Vista | $2,505 |
| Buffalo Creek | $2,898 |
| Burlington | $2,874 |
| Burns | $2,552 |
| Byers | $2,891 |
| Cahone | $2,571 |
| Calhan | $2,948 |
| Campo | $2,844 |
| Canon City | $2,534 |
| Capulin | $2,515 |
| Carbondale | $2,443 |
| Carr | $2,585 |
| Cascade | $2,869 |
| Castle Pines | $2,850 |
| Castle Pines North | $2,838 |
| Castle Rock | $2,820 |
| Cedaredge | $2,264 |
| Centennial | $2,899 |
| Center | $2,466 |
| Central City | $2,722 |
| Chama | $2,610 |
| Cherry Creek | $2,902 |
| Cherry Hills Village | $2,997 |
| Cheyenne Wells | $2,952 |
| Chromo | $2,583 |
| Cimarron | $2,333 |
| Cimarron Hills | $3,017 |
| Clark | $2,491 |
| Clifton | $2,112 |
| Climax | $2,598 |
| Coal Creek | $2,770 |
| Coaldale | $2,598 |
| Coalmont | $2,591 |
| Collbran | $2,260 |
| Colorado City | $2,831 |
| Colorado Springs | $2,982 |
| Columbine | $2,809 |
| Columbine Valley | $2,807 |
| Commerce City | $2,994 |
| Como | $2,753 |
| Conejos | $2,536 |
| Conifer | $2,972 |
| Cope | $2,927 |
| Copper Mountain | $2,544 |
| Cortez | $2,474 |
| Cory | $2,236 |
| Cotopaxi | $2,625 |
| Cowdrey | $2,592 |
| Craig | $2,470 |
| Crawford | $2,340 |
| Creede | $2,571 |
| Crested Butte | $2,483 |
| Crestone | $2,560 |
| Cripple Creek | $2,757 |
| Crook | $2,712 |
| Crowley | $2,903 |
| Dacono | $2,650 |
| Dakota Ridge | $2,816 |
| De Beque | $2,184 |
| Deer Trail | $3,043 |
| Del Norte | $2,517 |
| Delta | $2,168 |
| Denver | $3,196 |
| Derby | $2,972 |
| Dillon | $2,535 |
| Dinosaur | $2,466 |
| Divide | $2,757 |
| Dolores | $2,495 |
| Dove Creek | $2,606 |
| Dove Valley | $2,853 |
| Drake | $2,525 |
| Dumont | $2,810 |
| Dupont | $3,005 |
| Durango | $2,457 |
| Eads | $2,886 |
| Eagle | $2,478 |
| East Pleasant View | $2,807 |
| Eastlake | $2,811 |
| Eaton | $2,550 |
| Eckert | $2,220 |
| Eckley | $2,916 |
| Edgewater | $3,101 |
| Edwards | $2,456 |
| Egnar | $2,539 |
| El Jebel | $2,460 |
| El Moro | $2,744 |
| Elbert | $2,932 |
| Eldorado Springs | $2,643 |
| Elizabeth | $2,883 |
| Empire | $2,769 |
| Englewood | $3,010 |
| Erie | $2,551 |
| Estes Park | $2,485 |
| Evans | $2,491 |
| Evergreen | $2,941 |
| Fairmount | $2,779 |
| Fairplay | $2,650 |
| Federal Heights | $2,969 |
| Firestone | $2,537 |
| Flagler | $2,967 |
| Fleming | $2,755 |
| Florence | $2,566 |
| Florissant | $2,725 |
| Fort Carson | $2,922 |
| Fort Collins | $2,444 |
| Fort Garland | $2,643 |
| Fort Lupton | $2,708 |
| Fort Lyon | $3,109 |
| Fort Morgan | $2,781 |
| Fountain | $2,953 |
| Fowler | $2,882 |
| Foxfield | $3,045 |
| Franktown | $2,888 |
| Fraser | $2,504 |
| Frederick | $2,595 |
| Frisco | $2,536 |
| Fruita | $2,082 |
| Fruitvale | $2,100 |
| Galeton | $2,536 |
| Garden City | $2,548 |
| Gardner | $2,890 |
| Gateway | $2,177 |
| Genesee | $2,865 |
| Genoa | $2,892 |
| Georgetown | $2,759 |
| Gilcrest | $2,579 |
| Gill | $2,577 |
| Glade Park | $2,149 |
| Glen Haven | $2,473 |
| Glendale | $3,214 |
| Gleneagle | $2,834 |
| Glenwood Springs | $2,331 |
| Golden | $2,813 |
| Granada | $2,905 |
| Granby | $2,493 |
| Grand Junction | $2,100 |
| Grand Lake | $2,512 |
| Grand View Estates | $2,787 |
| Granite | $2,550 |
| Grant | $2,656 |
| Greeley | $2,507 |
| Green Mountain Falls | $2,893 |
| Greenwood Village | $2,865 |
| Grover | $2,664 |
| Guffey | $2,681 |
| Gunbarrel | $2,545 |
| Gunnison | $2,513 |
| Gypsum | $2,452 |
| Hamilton | $2,478 |
| Hartman | $2,897 |
| Hartsel | $2,669 |
| Hasty | $2,879 |
| Haswell | $2,893 |
| Haxtun | $2,828 |
| Hayden | $2,425 |
| Henderson | $2,909 |
| Hereford | $2,622 |
| Hesperus | $2,554 |
| Highlands Ranch | $2,820 |
| Hillrose | $2,748 |
| Hillside | $2,657 |
| Hoehne | $2,778 |
| Holly | $2,934 |
| Holly Hills | $3,147 |
| Holyoke | $2,887 |
| Homelake | $2,531 |
| Hooper | $2,502 |
| Hot Sulphur Springs | $2,488 |
| Hotchkiss | $2,325 |
| Howard | $2,570 |
| Hudson | $2,732 |
| Hugo | $2,927 |
| Hygiene | $2,595 |
| Idaho Springs | $2,831 |
| Idalia | $2,918 |
| Idledale | $2,925 |
| Ignacio | $2,533 |
| Iliff | $2,722 |
| Indian Hills | $2,960 |
| Inverness | $2,856 |
| Jamestown | $2,803 |
| Jaroso | $2,586 |
| Jefferson | $2,727 |
| Joes | $2,904 |
| Johnstown | $2,513 |
| Julesburg | $2,918 |
| Karval | $2,846 |
| Keenesburg | $2,701 |
| Ken Caryl | $2,786 |
| Kersey | $2,582 |
| Keystone | $2,534 |
| Kim | $2,792 |
| Kiowa | $3,021 |
| Kirk | $2,890 |
| Kit Carson | $2,959 |
| Kittredge | $2,959 |
| Kremmling | $2,543 |
| La Jara | $2,432 |
| La Junta | $2,844 |
| La Salle | $2,582 |
| La Veta | $2,847 |
| Lafayette | $2,517 |
| Lake City | $2,613 |
| Lake George | $2,765 |
| Lakewood | $2,970 |
| Lamar | $2,817 |
| Laporte | $2,405 |
| Larkspur | $2,948 |
| Las Animas | $2,928 |
| Lazear | $2,319 |
| Leadville | $2,607 |
| Leadville North | $2,606 |
| Lewis | $2,456 |
| Limon | $2,941 |
| Lincoln Park | $2,534 |
| Lindon | $2,891 |
| Littleton | $2,799 |
| Livermore | $2,590 |
| Lochbuie | $2,759 |
| Log Lane Village | $2,806 |
| Loma | $2,104 |
| Lone Tree | $2,876 |
| Longmont | $2,508 |
| Louisville | $2,522 |
| Louviers | $2,804 |
| Loveland | $2,420 |
| Lucerne | $2,517 |
| Lyons | $2,664 |
| Mack | $2,120 |
| Manassa | $2,448 |
| Mancos | $2,468 |
| Manitou Springs | $2,937 |
| Manzanola | $2,882 |
| Marvel | $2,590 |
| Masonville | $2,430 |
| Matheson | $3,068 |
| Maybell | $2,476 |
| Mc Clave | $2,903 |
| Mc Coy | $2,538 |
| Mead | $2,531 |
| Meeker | $2,435 |
| Meredith | $2,541 |
| Meridian | $2,798 |
| Merino | $2,787 |
| Mesa | $2,245 |
| Mesa Verde National Park | $2,485 |
| Milliken | $2,504 |
| Minturn | $2,506 |
| Model | $2,785 |
| Moffat | $2,564 |
| Molina | $2,262 |
| Monarch | $2,452 |
| Monte Vista | $2,470 |
| Montrose | $2,206 |
| Monument | $2,890 |
| Morrison | $2,931 |
| Mosca | $2,532 |
| Mount Crested Butte | $2,485 |
| Mountain View | $3,039 |
| Mountain Village | $2,591 |
| Nathrop | $2,480 |
| Naturita | $2,432 |
| Nederland | $2,808 |
| New Castle | $2,356 |
| New Raymer | $2,680 |
| Niwot | $2,520 |
| North Washington | $2,938 |
| Northglenn | $2,843 |
| Norwood | $2,605 |
| Nucla | $2,435 |
| Nunn | $2,582 |
| Oak Creek | $2,528 |
| Ohio City | $2,485 |
| Olathe | $2,183 |
| Olney Springs | $2,953 |
| Ophir | $2,571 |
| Orchard | $2,741 |
| Orchard Mesa | $2,104 |
| Ordway | $2,981 |
| Otis | $2,914 |
| Ouray | $2,591 |
| Ovid | $2,947 |
| Padroni | $2,745 |
| Pagosa Springs | $2,546 |
| Palisade | $2,140 |
| Palmer Lake | $2,854 |
| Paoli | $2,840 |
| Paonia | $2,326 |
| Parachute | $2,277 |
| Paradox | $2,420 |
| Paragon Estates | $2,582 |
| Parker | $2,796 |
| Parlin | $2,447 |
| Parshall | $2,541 |
| Peetz | $2,743 |
| Penrose | $2,616 |
| Perry Park | $2,922 |
| Peyton | $2,920 |
| Phippsburg | $2,518 |
| Pierce | $2,530 |
| Pine | $2,991 |
| Pine Brook Hill | $2,666 |
| Pinecliffe | $2,744 |
| Pitkin | $2,453 |
| Placerville | $2,558 |
| Platteville | $2,639 |
| Pleasant View | $2,462 |
| Poncha Springs | $2,459 |
| Ponderosa Park | $2,902 |
| Powderhorn | $2,480 |
| Pritchett | $2,872 |
| Pueblo | $2,976 |
| Pueblo West | $2,838 |
| Ramah | $3,002 |
| Rand | $2,564 |
| Rangely | $2,427 |
| Red Cliff | $2,519 |
| Red Feather Lakes | $2,587 |
| Redlands | $2,101 |
| Redvale | $2,467 |
| Ridgway | $2,567 |
| Rifle | $2,276 |
| Rockvale | $2,599 |
| Rocky Ford | $2,913 |
| Roggen | $2,719 |
| Rollinsville | $2,720 |
| Romeo | $2,524 |
| Roxborough Park | $2,820 |
| Rush | $3,041 |
| Rye | $2,866 |
| Saguache | $2,497 |
| Salida | $2,444 |
| Salt Creek | $3,015 |
| San Luis | $2,657 |
| Sanford | $2,461 |
| Sargents | $2,534 |
| Security-Widefield | $2,882 |
| Sedalia | $2,904 |
| Sedgwick | $2,939 |
| Seibert | $3,007 |
| Severance | $2,518 |
| Shaw Heights | $2,825 |
| Shawnee | $2,795 |
| Sheridan | $3,100 |
| Sheridan Lake | $2,898 |
| Sherrelwood | $3,009 |
| Silt | $2,310 |
| Silver Plume | $2,804 |
| Silverthorne | $2,559 |
| Silverton | $2,632 |
| Simla | $2,998 |
| Slater | $2,480 |
| Snowmass | $2,560 |
| Snowmass Village | $2,576 |
| Snyder | $2,719 |
| Somerset | $2,450 |
| South Fork | $2,562 |
| Springfield | $2,852 |
| Steamboat Springs | $2,462 |
| Sterling | $2,718 |
| Stonegate | $2,788 |
| Stoneham | $2,736 |
| Strasburg | $2,888 |
| Stratmoor | $2,941 |
| Stratton | $2,926 |
| Sugar City | $2,931 |
| Sugarloaf | $2,749 |
| Superior | $2,510 |
| Swink | $2,919 |
| Tabernash | $2,505 |
| Telluride | $2,592 |
| The Pinery | $2,819 |
| Thornton | $2,905 |
| Timnath | $2,535 |
| Todd Creek | $2,760 |
| Toponas | $2,522 |
| Towaoc | $2,477 |
| Trinchera | $2,752 |
| Trinidad | $2,749 |
| Twin Lakes | $2,942 |
| Two Buttes | $2,832 |
| Upper Bear Creek | $2,877 |
| Usaf Academy | $2,871 |
| Vail | $2,508 |
| Vernon | $2,903 |
| Victor | $2,782 |
| Vilas | $2,791 |
| Villa Grove | $2,494 |
| Vona | $2,913 |
| Walden | $2,514 |
| Walsenburg | $2,902 |
| Walsh | $2,856 |
| Ward | $2,761 |
| Watkins | $2,936 |
| Welby | $2,940 |
| Weldona | $2,765 |
| Wellington | $2,401 |
| West Pleasant View | $2,821 |
| Westcliffe | $2,755 |
| Westminster | $2,787 |
| Weston | $2,804 |
| Wetmore | $2,772 |
| Wheat Ridge | $2,925 |
| Whitewater | $2,166 |
| Wiggins | $2,773 |
| Wild Horse | $2,957 |
| Wiley | $2,849 |
| Windsor | $2,524 |
| Winter Park | $2,524 |
| Wolcott | $2,477 |
| Woodland Park | $2,829 |
| Woodmoor | $2,886 |
| Woodrow | $2,951 |
| Woody Creek | $2,529 |
| Wray | $2,885 |
| Yampa | $2,530 |
| Yellow Jacket | $2,508 |
| Yoder | $3,026 |
| Yuma | $2,894 |
Colorado car insurance laws
The state also uses an online system to verify your insurance status. Insurance companies report new policies, cancellations and lapses to the DMV. The system sends you a letter if it detects a lapse in your coverage.
If this happens to you, you need to get your insurance documents in order to avoid legal penalties.
The penalties for driving without insurance in Colorado include a fine and possible driver’s license suspension. You may also have to perform 40 hours of community service.
Minimum coverage for car insurance in Colorado
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $15,000
Liability covers injuries and damage you cause to other people or their property. If an accident victim’s medical or car repair costs exceed your liability limits, the shortfall comes out of your pocket. Getting higher liability limits can protect you from potential out-of-pocket costs like these.
Your insurance agent must offer uninsured motorist and medical payments coverage. Both are good to have, but you don’t have to buy them.
Collision and comprehensive (comp) are not required by law. However, you typically need both for a car loan or to lease a vehicle.
SR-22 insurance in Colorado
Your insurance agent gives you the form when you purchase your policy. You have to send your certificate to the DMV. You can submit it online or by snail mail. If you switch car insurance companies, make sure to get your new SR-22 certificate to the DMV as soon as possible.
Let your insurance company, or the ones you contact for quotes, know about your SR-22 requirement up front. Some companies don’t offer SR-22s. Those that do may add a small filing fee to your rate.
The actual price you pay for SR-22 insurance depends on your driving record. You’ll pay more for SR-22 insurance after a DUI than you will after a less-severe violation.
Frequently asked questions
The average cost of car insurance in Colorado is $241 a month for full coverage. You’ll pay more if you have a prior incident on your record or bad credit. A speeding ticket raises the average cost of car insurance by 29%. Rates go up by 56% after an accident.
Yes, you can get SR-22 insurance in Colorado if you don’t have a car. Several companies offer non-owner car insurance. A non-owner’s policy allows you to legally drive cars you borrow or rent while your SR-22 requirement is in place.
State Farm has the cheapest car insurance for most Colorado drivers. It charges a typical adult driver $162 a month for full coverage. Geico is the cheapest company for drivers with bad credit, while Progressive is cheapest after a DUI.