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The best and cheapest car insurer in Boulder, CO, will vary for drivers based on their coverage needs and budget. For the average 40-year-old driver in Boulder, the cheapest full coverage auto insurance is American National P&C. This insurer is also the cheapest for military-affiliated drivers and those with traffic violations. Teens, on the other hand, may get the cheapest rates from GEICO. The best insurer for customer service is Acuity.

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2023

Cheapest and Best Car Insurance in Boulder

Cheapest Minimum Liability Car Insurance in Boulder

The cheapest car insurance companies in Boulder for a minimum coverage policy are:

  • American National P&C: $197 per year
  • Colorado Farm Bureau: $278 per year

Farmers is the most expensive company, offering full coverage policies for $640 per year. American National P&C also offers the cheapest minimum car insurance in Colorado, with an average annual rate of $216. This indicates that car insurance in Boulder is slightly cheaper than in other cities in Colorado.

Company
Annual Premium
Monthly Premium

American National P&C

$197

$16

American National P&C

$226

$19

American National P&C

$236

$20

Colorado Farm Bureau

$278

$23

GEICO

$294

$25

GEICO

$322

$27

GEICO

$325

$27

Auto-Owners Insurance Co

$329

$27

Auto-Owners Insurance Co

$331

$28

State Farm

$362

$30

State Farm

$385

$32

American Family

$397

$33

Colorado Farm Bureau

$399

$33

Kemper

$416

$35

American Family

$428

$36

Nationwide

$434

$36

Nationwide

$445

$37

Farmers Union Insurance

$453

$38

American National P&C

$456

$38

American National P&C

$459

$38

Progressive

$464

$39

Kemper

$464

$39

Auto-Owners Insurance Co

$472

$39

Progressive

$483

$40

Kemper

$485

$40

State Farm

$495

$41

Farmers Union Insurance

$496

$41

Farmers Union Insurance

$514

$43

Colorado Farm Bureau

$515

$43

Acuity

$522

$44

American Family

$534

$45

Progressive

$538

$45

American National P&C

$567

$47

Allstate

$583

$49

Acuity

$584

$49

GEICO

$603

$50

Allstate

$604

$50

GEICO

$612

$51

Nationwide

$619

$52

Farmers

$640

$53

Farmers

$665

$55

Allstate

$675

$56

GEICO

$681

$57

Colorado Farm Bureau

$708

$59

American Family

$748

$62

Acuity

$759

$63

Farmers

$782

$65

State Farm

$804

$67

Auto-Owners Insurance Co

$824

$69

Nationwide

$830

$69

Progressive

$838

$70

American Family

$840

$70

Progressive

$845

$70

Colorado Farm Bureau

$872

$73

Allstate

$875

$73

State Farm

$888

$74

Auto-Owners Insurance Co

$895

$75

Nationwide

$911

$76

Allstate

$947

$79

Kemper

$1,006

$84

Farmers Union Insurance

$1,006

$84

Progressive

$1,028

$86

American Family

$1,056

$88

Kemper

$1,074

$89

Farmers Union Insurance

$1,091

$91

Colorado Farm Bureau

$1,111

$93

Allstate

$1,127

$94

State Farm

$1,160

$97

Nationwide

$1,182

$99

Farmers

$1,231

$103

Auto-Owners Insurance Co

$1,238

$103

Farmers Union Insurance

$1,253

$104

Acuity

$1,253

$104

Acuity

$1,260

$105

Kemper

$1,269

$106

Farmers

$1,278

$106

Farmers

$1,535

$128

Acuity

$1,761

$147

If you’re in Colorado, a minimum coverage policy only covers bodily injuries and property damage.

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

With liability coverage, your insurer will pay up to a specific amount for damages. For instance, with the coverages included above, your insurer would cover medical expenses of $25,000 per person up to $50,000 per accident. Any additional expenses would be your responsibility.

Cheapest Full Coverage Car Insurance in Boulder

The following insurers in Boulder offer the cheapest car insurance for a full coverage policy:

  • American National P&C: $456 per year
  • GEICO: $603 per year

Farmers, the most expensive company, sells policies for $1,278 per year — almost three times as much as the cheapest company.

American National P&C also offers the cheapest full coverage auto insurance in Colorado at an average annual rate of $541 (as of October 2022). Car insurance in Boulder is cheaper than in other cities in Colorado, demonstrating how location can impact the cost of insurance.

Company
Annual Premium
Monthly Premium

American National P&C

$197

$16

American National P&C

$226

$19

American National P&C

$236

$20

Colorado Farm Bureau

$278

$23

GEICO

$294

$25

GEICO

$322

$27

GEICO

$325

$27

Auto-Owners Insurance Co

$329

$27

Auto-Owners Insurance Co

$331

$28

State Farm

$362

$30

State Farm

$385

$32

American Family

$397

$33

Colorado Farm Bureau

$399

$33

Kemper

$416

$35

American Family

$428

$36

Nationwide

$434

$36

Nationwide

$445

$37

Farmers Union Insurance

$453

$38

American National P&C

$456

$38

American National P&C

$459

$38

Progressive

$464

$39

Kemper

$464

$39

Auto-Owners Insurance Co

$472

$39

Progressive

$483

$40

Kemper

$485

$40

State Farm

$495

$41

Farmers Union Insurance

$496

$41

Farmers Union Insurance

$514

$43

Colorado Farm Bureau

$515

$43

Acuity

$522

$44

American Family

$534

$45

Progressive

$538

$45

American National P&C

$567

$47

Allstate

$583

$49

Acuity

$584

$49

GEICO

$603

$50

Allstate

$604

$50

GEICO

$612

$51

Nationwide

$619

$52

Farmers

$640

$53

Farmers

$665

$55

Allstate

$675

$56

GEICO

$681

$57

Colorado Farm Bureau

$708

$59

American Family

$748

$62

Acuity

$759

$63

Farmers

$782

$65

State Farm

$804

$67

Auto-Owners Insurance Co

$824

$69

Nationwide

$830

$69

Progressive

$838

$70

American Family

$840

$70

Progressive

$845

$70

Colorado Farm Bureau

$872

$73

Allstate

$875

$73

State Farm

$888

$74

Auto-Owners Insurance Co

$895

$75

Nationwide

$911

$76

Allstate

$947

$79

Kemper

$1,006

$84

Farmers Union Insurance

$1,006

$84

Progressive

$1,028

$86

American Family

$1,056

$88

Kemper

$1,074

$89

Farmers Union Insurance

$1,091

$91

Colorado Farm Bureau

$1,111

$93

Allstate

$1,127

$94

State Farm

$1,160

$97

Nationwide

$1,182

$99

Farmers

$1,231

$103

Auto-Owners Insurance Co

$1,238

$103

Farmers Union Insurance

$1,253

$104

Acuity

$1,253

$104

Acuity

$1,260

$105

Kemper

$1,269

$106

Farmers

$1,278

$106

Farmers

$1,535

$128

Acuity

$1,761

$147

A full coverage policy includes comprehensive and collision insurance:

  • Collision Insurance covers accidents and vehicle damages from collisions with another vehicle or objects like a street pole, stop sign or mailbox.
  • Comprehensive Insurance: covers other types of damages, including those caused by natural disasters, vandalism or theft.

Although not required by law, it may be worth getting a full coverage policy if you own a new vehicle. On the other hand, if you own an old vehicle, it may not be worth paying the extra money each year.

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Cheapest Car Insurance in Boulder After a Driving Offense

Drivers in Boulder with traffic violations can get the cheapest rates for a full coverage policy from the following insurers:

  • Speeding ticket: American National P&C ($535 per year)
  • At-fault accident: American National P&C ($621 per year)
  • DUI: American National P&C ($694 per year)

Acuity policies are the most expensive at $2,796 per year for drivers with the above violations.

Driving violations, like a speeding ticket, DUI or accident, usually impact your rates. Typically, even the cheapest rates for a driver with violations will still be more than average-priced rates for someone with a clean driving history.

Company
Annual Premium
Monthly Premium

American National P&C

$239

$20

American National P&C

$273

$23

American National P&C

$283

$24

American National P&C

$287

$24

American National P&C

$323

$27

American National P&C

$326

$27

American National P&C

$340

$28

GEICO

$346

$29

Colorado Farm Bureau

$351

$29

Colorado Farm Bureau

$370

$31

American National P&C

$370

$31

Auto-Owners Insurance Co

$378

$32

GEICO

$380

$32

Auto-Owners Insurance Co

$381

$32

American National P&C

$387

$32

State Farm

$402

$33

State Farm

$402

$33

Colorado Farm Bureau

$412

$34

GEICO

$418

$35

State Farm

$428

$36

State Farm

$428

$36

State Farm

$442

$37

American Family

$442

$37

American Family

$442

$37

American Family

$447

$37

State Farm

$471

$39

GEICO

$471

$39

American Family

$476

$40

American Family

$476

$40

American Family

$481

$40

Colorado Farm Bureau

$504

$42

Nationwide

$521

$43

GEICO

$522

$44

Progressive

$526

$44

Colorado Farm Bureau

$531

$44

Nationwide

$533

$44

American National P&C

$535

$45

Auto-Owners Insurance Co

$542

$45

American National P&C

$544

$45

State Farm

$549

$46

State Farm

$549

$46

Kemper

$550

$46

Progressive

$577

$48

Progressive

$581

$48

Auto-Owners Insurance Co

$584

$49

GEICO

$588

$49

Auto-Owners Insurance Co

$590

$49

Colorado Farm Bureau

$591

$49

GEICO

$592

$49

American Family

$597

$50

American Family

$597

$50

American Family

$602

$50

State Farm

$604

$50

Progressive

$606

$50

Kemper

$613

$51

American National P&C

$621

$52

Farmers Union Insurance

$623

$52

Allstate

$631

$53

Kemper

$635

$53

American National P&C

$639

$53

Kemper

$640

$53

Progressive

$641

$53

Colorado Farm Bureau

$650

$54

Allstate

$656

$55

Progressive

$660

$55

American National P&C

$670

$56

GEICO

$681

$57

Nationwide

$684

$57

Colorado Farm Bureau

$685

$57

American National P&C

$694

$58

Farmers Union Insurance

$696

$58

Nationwide

$698

$58

Nationwide

$708

$59

Kemper

$708

$59

American National P&C

$717

$60

Farmers Union Insurance

$721

$60

Allstate

$729

$61

Progressive

$737

$61

Allstate

$738

$62

Auto-Owners Insurance Co

$738

$62

Kemper

$739

$62

Auto-Owners Insurance Co

$744

$62

GEICO

$749

$62

Farmers Union Insurance

$755

$63

Allstate

$761

$63

Allstate

$762

$63

Colorado Farm Bureau

$763

$64

American National P&C

$782

$65

Farmers

$786

$65

Farmers Union Insurance

$790

$66

Allstate

$795

$66

GEICO

$795

$66

Farmers Union Insurance

$798

$66

Progressive

$830

$69

Progressive

$832

$69

Auto-Owners Insurance Co

$839

$70

GEICO

$845

$70

Nationwide

$858

$72

Farmers Union Insurance

$860

$72

Colorado Farm Bureau

$862

$72

Farmers Union Insurance

$862

$72

American Family

$863

$72

American Family

$863

$72

Allstate

$869

$72

Nationwide

$871

$73

Farmers

$872

$73

American National P&C

$874

$73

GEICO

$875

$73

State Farm

$880

$73

State Farm

$880

$73

Colorado Farm Bureau

$885

$74

American Family

$890

$74

Farmers

$904

$75

Allstate

$912

$76

Nationwide

$917

$76

Auto-Owners Insurance Co

$920

$77

Colorado Farm Bureau

$921

$77

Farmers

$926

$77

Farmers

$950

$79

State Farm

$955

$80

Allstate

$960

$80

State Farm

$968

$81

State Farm

$968

$81

American Family

$970

$81

American Family

$970

$81

Progressive

$990

$83

Auto-Owners Insurance Co

$993

$83

Nationwide

$996

$83

American Family

$1,001

$83

Farmers

$1,008

$84

Farmers Union Insurance

$1,017

$85

Kemper

$1,034

$86

Allstate

$1,039

$87

Progressive

$1,040

$87

GEICO

$1,040

$87

Farmers

$1,045

$87

Farmers

$1,045

$87

State Farm

$1,048

$87

Auto-Owners Insurance Co

$1,060

$88

Nationwide

$1,078

$90

Colorado Farm Bureau

$1,083

$90

Nationwide

$1,090

$91

Colorado Farm Bureau

$1,092

$91

Farmers

$1,093

$91

Progressive

$1,099

$92

Allstate

$1,133

$94

Kemper

$1,152

$96

Progressive

$1,157

$96

Colorado Farm Bureau

$1,161

$97

GEICO

$1,166

$97

Progressive

$1,182

$99

Allstate

$1,190

$99

Kemper

$1,204

$100

American Family

$1,223

$102

American Family

$1,223

$102

Allstate

$1,226

$102

GEICO

$1,242

$104

Allstate

$1,246

$104

American Family

$1,264

$105

State Farm

$1,268

$106

State Farm

$1,268

$106

Kemper

$1,272

$106

Acuity

$1,279

$107

Acuity

$1,279

$107

Acuity

$1,279

$107

Allstate

$1,290

$108

GEICO

$1,292

$108

Nationwide

$1,298

$108

Progressive

$1,299

$108

Auto-Owners Insurance Co

$1,325

$110

Nationwide

$1,349

$112

Kemper

$1,365

$114

State Farm

$1,376

$115

Auto-Owners Insurance Co

$1,381

$115

Colorado Farm Bureau

$1,386

$115

Farmers Union Insurance

$1,388

$116

Progressive

$1,393

$116

Colorado Farm Bureau

$1,398

$117

Nationwide

$1,399

$117

Auto-Owners Insurance Co

$1,407

$117

Kemper

$1,412

$118

Acuity

$1,420

$118

Acuity

$1,420

$118

Acuity

$1,420

$118

GEICO

$1,463

$122

Allstate

$1,491

$124

Colorado Farm Bureau

$1,491

$124

Progressive

$1,509

$126

Kemper

$1,522

$127

Farmers Union Insurance

$1,551

$129

Allstate

$1,571

$131

GEICO

$1,586

$132

Kemper

$1,601

$133

Farmers

$1,610

$134

Farmers Union Insurance

$1,619

$135

Progressive

$1,621

$135

Auto-Owners Insurance Co

$1,627

$136

Nationwide

$1,628

$136

Farmers

$1,640

$137

Farmers Union Insurance

$1,676

$140

Farmers Union Insurance

$1,699

$142

Auto-Owners Insurance Co

$1,716

$143

Nationwide

$1,729

$144

Nationwide

$1,738

$145

Kemper

$1,773

$148

Farmers

$1,782

$149

Farmers Union Insurance

$1,802

$150

Farmers Union Insurance

$1,843

$154

Farmers

$1,844

$154

Farmers

$1,849

$154

Farmers

$1,867

$156

Acuity

$1,878

$157

Acuity

$1,878

$157

Acuity

$1,878

$157

Farmers

$1,899

$158

Farmers Union Insurance

$1,979

$165

Auto-Owners Insurance Co

$1,982

$165

Farmers

$2,040

$170

Farmers Union Insurance

$2,067

$172

Nationwide

$2,068

$172

Farmers

$2,110

$176

Kemper

$2,333

$194

Auto-Owners Insurance Co

$2,431

$203

Kemper

$2,511

$209

Acuity

$2,796

$233

Acuity

$2,796

$233

Acuity

$2,796

$233

Acuity

$2,847

$237

Acuity

$2,847

$237

Acuity

$2,847

$237

Kemper

$2,940

$245

Acuity

$3,986

$332

Acuity

$3,986

$332

Acuity

$3,986

$332

Car insurance rates tend to increase in proportion to the severity of the driving offense. For instance, a driver in Boulder with a speed ticket will pay $302 less than a driver with a DUI offense. While car insurance may cost more, you can still find relatively cheap auto insurance with a bad driving record.

Cheapest Car Insurance in Boulder for Teens and Their Families

The cheapest car insurance companies in Boulder for a 16-year-old teen on a family policy are:

  • GEICO: $1,802 per year for female teens; $1,901 per year for male teens
  • Kemper: $1,837 per year for female teens; $1,267 per year male teens

Farmers has the most expensive insurance for a teen driver on a family policy, charging $4,577 per year for female teen drivers and $4,878 per year for male teen drivers.

In Boulder, the cheapest insurer for male teens, Kemper, charges male teens $1,267 per year. This is $535 less than the cheapest annual premium for female teens, offered by GEICO for $1,802. While male teens pay less than female teens for car insurance in Boulder, this is atypical — usually, females pay less than men for car insurance until early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Kemper

$924

$2,805

State Farm

$978

$2,000

Kemper

$989

$8,301

GEICO

$1,023

$1,879

State Farm

$1,071

$2,190

Kemper

$1,073

$5,220

GEICO

$1,092

$1,347

Kemper

$1,105

$2,617

GEICO

$1,110

$1,424

GEICO

$1,111

$2,016

State Farm

$1,119

$2,600

State Farm

$1,156

$2,362

GEICO

$1,156

$1,426

GEICO

$1,191

$1,528

Kemper

$1,207

$10,132

GEICO

$1,211

$1,495

GEICO

$1,216

$1,699

GEICO

$1,236

$1,832

GEICO

$1,236

$1,586

GEICO

$1,257

$5,704

Kemper

$1,267

$13,464

Kemper

$1,267

$7,072

Kemper

$1,267

$4,614

Kemper

$1,273

$3,864

Kemper

$1,274

$6,199

GEICO

$1,340

$5,829

Kemper

$1,350

$4,253

Kemper

$1,350

$4,097

Nationwide

$1,366

$2,245

Nationwide

$1,374

$2,164

Kemper

$1,380

$6,663

GEICO

$1,388

$6,038

Kemper

$1,407

$3,827

Nationwide

$1,411

$2,848

GEICO

$1,414

$3,121

Kemper

$1,450

$3,436

Nationwide

$1,457

$3,119

Kemper

$1,458

$3,454

GEICO

$1,461

$3,138

Nationwide

$1,516

$2,386

GEICO

$1,520

$2,792

GEICO

$1,541

$2,798

Nationwide

$1,545

$2,665

Kemper

$1,556

$5,514

Allstate

$1,560

$2,508

Allstate

$1,560

$2,508

Kemper

$1,568

$4,941

Nationwide

$1,578

$2,594

Nationwide

$1,594

$2,906

Nationwide

$1,598

$2,515

State Farm

$1,600

$2,277

Allstate

$1,623

$4,748

Allstate

$1,623

$4,748

Allstate

$1,625

$2,110

Allstate

$1,625

$2,110

Nationwide

$1,662

$2,731

Allstate

$1,674

$2,173

Allstate

$1,674

$2,173

State Farm

$1,690

$2,794

Allstate

$1,705

$2,328

Allstate

$1,705

$2,328

Allstate

$1,731

$2,247

Allstate

$1,731

$2,247

Kemper

$1,742

$8,408

State Farm

$1,744

$2,481

Auto-Owners Insurance Co

$1,768

$3,773

Auto-Owners Insurance Co

$1,770

$3,858

Allstate

$1,798

$3,242

Allstate

$1,798

$3,242

GEICO

$1,802

$11,643

Allstate

$1,819

$2,924

Allstate

$1,819

$2,924

Kemper

$1,837

$11,526

State Farm

$1,847

$3,040

Auto-Owners Insurance Co

$1,861

$4,058

Nationwide

$1,900

$4,528

GEICO

$1,901

$10,740

State Farm

$1,908

$2,715

State Farm

$1,917

$3,544

State Farm

$1,918

$3,171

Auto-Owners Insurance Co

$1,925

$4,109

Auto-Owners Insurance Co

$1,929

$4,605

Auto-Owners Insurance Co

$1,972

$4,299

Nationwide

$1,993

$5,639

Nationwide

$2,023

$5,268

Auto-Owners Insurance Co

$2,040

$5,024

Nationwide

$2,045

$4,127

State Farm

$2,052

$3,337

GEICO

$2,080

$9,439

Nationwide

$2,105

$6,230

Progressive

$2,109

$2,972

Auto-Owners Insurance Co

$2,111

$4,504

Auto-Owners Insurance Co

$2,118

$5,552

Nationwide

$2,119

$5,998

Auto-Owners Insurance Co

$2,126

$4,881

Nationwide

$2,152

$4,608

Nationwide

$2,152

$6,477

Progressive

$2,162

$2,200

Allstate

$2,169

$6,344

Allstate

$2,169

$6,344

State Farm

$2,176

$4,024

Progressive

$2,184

$2,217

Allstate

$2,219

$8,383

Allstate

$2,219

$8,383

Progressive

$2,233

$3,189

Nationwide

$2,275

$7,171

Nationwide

$2,290

$6,892

Auto-Owners Insurance Co

$2,309

$5,302

Auto-Owners Insurance Co

$2,325

$5,831

Farmers

$2,356

$3,019

State Farm

$2,379

$4,396

State Farm

$2,382

$3,874

Progressive

$2,403

$2,440

Auto-Owners Insurance Co

$2,405

$6,307

Auto-Owners Insurance Co

$2,425

$7,219

State Farm

$2,465

$4,559

State Farm

$2,477

$5,162

Progressive

$2,485

$2,830

Farmers

$2,489

$3,321

Progressive

$2,490

$2,535

Progressive

$2,496

$3,991

Progressive

$2,548

$3,592

Progressive

$2,553

$2,925

Progressive

$2,564

$2,604

Progressive

$2,686

$2,734

State Farm

$2,728

$5,005

Progressive

$2,729

$4,473

Auto-Owners Insurance Co

$2,757

$6,366

Progressive

$2,823

$4,033

Auto-Owners Insurance Co

$2,944

$8,238

Progressive

$2,983

$8,651

Auto-Owners Insurance Co

$3,024

$7,580

Auto-Owners Insurance Co

$3,031

$7,001

State Farm

$3,104

$5,695

State Farm

$3,117

$6,457

Progressive

$3,223

$9,049

Progressive

$3,250

$9,583

Auto-Owners Insurance Co

$3,300

$9,236

Auto-Owners Insurance Co

$3,303

$10,259

Farmers

$3,386

$2,672

Farmers

$3,443

$2,717

Farmers

$3,455

$2,726

Progressive

$3,480

$9,869

Farmers

$3,484

$2,881

Farmers

$3,502

$2,863

Farmers

$3,543

$2,896

Progressive

$3,566

$10,341

Farmers

$3,608

$2,949

Farmers

$3,635

$3,179

Farmers

$3,777

$5,961

Progressive

$3,843

$11,333

Farmers

$3,872

$12,496

Farmers

$3,919

$6,398

Farmers

$4,090

$13,581

Farmers

$4,278

$13,807

Farmers

$4,322

$5,539

Farmers

$4,474

$5,970

Farmers

$4,557

$15,132

Farmers

$4,577

$18,015

Farmers

$4,878

$19,885

Teens can save money on their car insurance by joining a family policy as opposed to purchasing a separate policy. For instance, a 16-year-old male teen in Boulder, CO could save an average of $3,923 per year by joining a family policy instead of purchasing an individual policy. While rates for teens tend to be more expensive, you can find the cheapest car insurance rates for teenage drivers by shopping around.

Cheapest Car Insurance in Boulder for Military Drivers

In Boulder, military members and their families can get the cheapest rates from these providers:

  • American National P&C: $456 per year
  • GEICO: $603 per year

USAA is the third-cheapest option at $663 per year. This insurer is one of our top picks for this category because its policies cater exclusively to military members and their families.

The cheapest minimum car insurance policy for military members is available from American National P&C for an average rate of $197 per year. Meanwhile, the second-cheapest option is USAA at an average rate of $263 per year.

Company
Annual Premium
Monthly Premium

American National P&C

$197

$16

American National P&C

$226

$19

American National P&C

$236

$20

USAA

$263

$22

Colorado Farm Bureau

$278

$23

GEICO

$294

$25

USAA

$294

$25

GEICO

$322

$27

GEICO

$325

$27

Auto-Owners Insurance Co

$329

$27

Auto-Owners Insurance Co

$331

$28

USAA

$342

$28

State Farm

$362

$30

State Farm

$385

$32

American Family

$397

$33

Colorado Farm Bureau

$399

$33

Kemper

$416

$35

American Family

$428

$36

Nationwide

$434

$36

Nationwide

$445

$37

Farmers Union Insurance

$453

$38

American National P&C

$456

$38

American National P&C

$459

$38

Progressive

$464

$39

Kemper

$464

$39

Auto-Owners Insurance Co

$472

$39

Progressive

$483

$40

Kemper

$485

$40

State Farm

$495

$41

Farmers Union Insurance

$496

$41

Farmers Union Insurance

$514

$43

Colorado Farm Bureau

$515

$43

Acuity

$522

$44

American Family

$534

$45

Progressive

$538

$45

American National P&C

$567

$47

Allstate

$583

$49

Acuity

$584

$49

GEICO

$603

$50

Allstate

$604

$50

GEICO

$612

$51

Nationwide

$619

$52

Farmers

$640

$53

USAA

$663

$55

Farmers

$665

$55

Allstate

$675

$56

USAA

$678

$56

GEICO

$681

$57

Colorado Farm Bureau

$708

$59

American Family

$748

$62

Acuity

$759

$63

Farmers

$782

$65

State Farm

$804

$67

Auto-Owners Insurance Co

$824

$69

Nationwide

$830

$69

Progressive

$838

$70

American Family

$840

$70

USAA

$843

$70

Progressive

$845

$70

Colorado Farm Bureau

$872

$73

Allstate

$875

$73

State Farm

$888

$74

Auto-Owners Insurance Co

$895

$75

Nationwide

$911

$76

Allstate

$947

$79

Kemper

$1,006

$84

Farmers Union Insurance

$1,006

$84

Progressive

$1,028

$86

American Family

$1,056

$88

Kemper

$1,074

$89

Farmers Union Insurance

$1,091

$91

Colorado Farm Bureau

$1,111

$93

Allstate

$1,127

$94

State Farm

$1,160

$97

Nationwide

$1,182

$99

Farmers

$1,231

$103

Auto-Owners Insurance Co

$1,238

$103

Farmers Union Insurance

$1,253

$104

Acuity

$1,253

$104

Acuity

$1,260

$105

Kemper

$1,269

$106

Farmers

$1,278

$106

Farmers

$1,535

$128

Acuity

$1,761

$147

How to Compare Cheap Boulder Car Insurance Quotes Online

It can take up to 15 minutes to enter all the personal information required for a single car insurance quote. When comparing quotes for multiple companies, this can add up.

Use MoneyGeek’s car insurance calculator to quickly estimate your rate using only your age, vehicle type, coverage level and driving history.

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USAA

Best Car Insurance in Boulder: Summary

The best car insurance for you will depend on how much you value cost, service coverage and other factors.

MoneyGeek identified the following insurers as the best providers for each respective category:

  • Best overall: American National P&C (MoneyGeek score of 83 out of 100)
  • Best for service: Acuity (MoneyGeek score of 78 out of 100)
  • Best cheap: American National P&C (MoneyGeek score of 83 out of 100)

An insurer’s total MoneyGeek score may vary across categories depending on the factors that were weighted.

In addition to being the best insurer in Boulder, American National P&C is also the best car insurance provider in Colorado.

If you have a military background, USAA is another great option. It ranked as the second-best insurer for military members in Boulder, receiving a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Boulder

In Boulder, the best overall car insurance providers are:

  • American National P&C: MoneyGeek score of 83 out of 100 ($456 per year)
  • GEICO: MoneyGeek score of 70 out of 100 ($603 per year)

In addition to being the cheapest company, American National P&C ranked as the best in Boulder for having an above-average customer satisfaction score and offering a wide range of coverage options — which are both important metrics when choosing a good insurer.

USAA is another excellent option if you’re a current or former member of the military. The insurer received a high MoneyGeek score of 80 out of 100 for its policies.

How was this MoneyGeek score calculated?

American National P&C

pros

Offers the cheapest rates

Has an above-average customer satisfaction score

Offers a wide range of coverage options, including spare parts, antique/classic car insurance and gap insurance coverage

cons

Has a below-average rating for claims management

Does not offer accident forgiveness, deductible modification, new car replacement or rideshare insurance

COMPANY HIGHLIGHTS

American National P&C is the best insurer in Boulder, earning an overall MoneyGeek score of 83 out of 100. This company offers a wide range of coverages including spare parts coverage and other common coverages, like roadside assistance and rental car and/or travel reimbursement.

With spare parts coverage from American National P&C, the insurer will reimburse you up to $1,000 to restock with spare parts if yours are damaged after a covered loss. This gives drivers peace of mind that their vehicle is well protected and may reduce the incidence of vehicle breakdowns.

More common coverages offered by this insurer include roadside assistance, which provides 24/7 assistance if your car breaks down. With rental car and/or travel reimbursement coverage, the cost of a rental vehicle may also be covered if yours is totaled in an accident. This coverage comes at no additional charge if you have a full coverage policy with American National P&C.

Best Car Insurance in Boulder for Customer Service

Drivers who prioritize customer service over cost may consider the following insurers in Boulder:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,254 per year)
  • American National P&C: MoneyGeek score of 67 out of 100 ($456 per year)

Acuity is our top choice due to its nearly perfect score for customer satisfaction and high claims management rating. Compared to the other insurers in our review, Acuity has one of the most expensive policies.

How was this MoneyGeek score calculated?

Acuity

pros

Has a nearly perfect customer satisfaction score

Has an above-average rating for claims management

Offers numerous coverage options, including full glass coverage, new car replacement coverage and gap insurance

cons

Does not offer accident forgiveness, deductible modification or rideshare insurance coverage

COMPANY HIGHLIGHTS

Acuity offers the best customer service in Boulder, earning an overall MoneyGeek score of 78 out of 100. This insurer scored nearly perfect on customer satisfaction and has a list of useful coverages like full glass coverage, new car replacement and gap insurance.

Full safety glass protection coverage pays for damages to windshields and windows, without you having to pay for a comprehensive deductible. In case your vehicle gets totaled after an accident, Acuity will pay to replace your vehicle with a brand new car of the same make and model. If you own an old vehicle, it will cover an additional 25% of the vehicle’s current value making room for depreciation, and a little upgrade.

With gap insurance, Acuity will cover the difference between what you currently owe on your car and the unpaid principal amount of your leased or loaned vehicle.

Best Cheap Car Insurance Companies in Boulder

MoneyGeek ranked the best providers for minimum coverage policies based on affordability and service quality. Our analysis showed the following insurers provide the best customer service:

  • American National P&C: MoneyGeek score of 83 out of 100 ($197 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 72 out of 100 (331 per year)

Minimum coverage policies may be the cheapest, but they offer the least amount of liability protection and don’t cover accident-related damages to your own vehicle.

How was this MoneyGeek score calculated?

American National P&C

pros

Has the cheapest rates

Has a high customer satisfaction score

Offers discounts for bundling insurance policies, early signing and insuring multiple cars

cons

Has a below-average rating for claims management

Does not offer accident forgiveness, deductible modification, new car replacement or rideshare insurance coverage

COMPANY HIGHLIGHTS

American National P&C is the best car insurance company in Boulder for minimum coverage policies due to its affordable rates and quality customer service. The insurer offers a wide range of coverage options and a few discount opportunities.

With American National P&C, policyholders can save money by bundling their home, auto or renters insurance with the company. Additional savings are available with the insurer’s early signing discount, a discount provided to policyholders who resign before their current policy expires. Furthermore, policyholders can reduce their premium by insuring multiple cars.

In addition to discounts, the insurer offers a few unique coverage options, including spare parts and antique/classic car insurance. Some of its common coverages are roadside assistance and rental car and/or travel reimbursement.

Spare Parts Coverage from American National P&C provides up to $1,000 to replace damaged spare parts in the event of a covered loss. Similar to a standard insurance, American National P&C also offers to insure your vehicle if you have a classic or antique car.

Average Cost of Car Insurance in Boulder

The average cost of car insurance in Boulder is $895 per year for a full coverage policy, which is cheaper than the average cost of car insurance in Colorado — $1,002 per year as of October 2022. Car insurance in Boulder is also cheaper than the national average cost of car insurance at $1,265 per year.

The rates included above are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.