bestauto insuranceBoulderCompare the Cheapest Car Insurance Quotes in Boulder, CO
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GEICO offers the cheapest car insurance in Boulder. Besides being the most affordable option, it also offers the lowest rates for minimum coverage policies and for drivers with speeding tickets. USAA offers the lowest rates for eligible military families. GEICO is the overall best car insurance company in Boulder, providing affordability and quality service.
bestauto insuranceBoulderThe Cheapest and Best Car Insurance in Boulder
The Cheapest Car Insurance Companies in Boulder
The companies offering cheap full coverage car insurance in Boulder are:
- GEICO: $653 per year
- Travelers: $877 per year
Although not included in this ranking, USAA offers the lowest average rate of $634 per year. However, its policies are only available to military members and their families.
Full coverage car insurance includes comprehensive and collision insurance, which protects drivers from high out-of-pocket expenses in the case of an at-fault collision. Annual premiums fluctuate depending on driver profile and provider. For example, Progressive’s average premium of $1,850 is nearly three times as expensive as a similar policy from GEICO, the most affordable provider in Boulder.
Cheapest Car Insurance in Boulder
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$634
- 2.$653
- 3.$877
- 4.$920
- 5.$957
MoneyGeek’s guide shows average car insurance rates in Boulder using the profile of a 40-year-old male driver with full coverage auto insurance and a clean driving record, as defined in our methodology.
At a higher premium, full coverage car insurance provides more protection as it includes these coverages on top of liability insurance:
- Comprehensive insurance: In the event of a non-collision–related incident, such as theft, vandalism, animal damage or weather-related occurrence, damages to your vehicle will be covered.
- Collision insurance: In the event of an at-fault collision, damages to your vehicle will be covered.
Although full coverage offers the most protection, it may not be the right choice for every driver. Drivers with older cars may benefit more from a liability-only policy as a full coverage premium may be more costly than the value of an older vehicle.
Compare Car Insurance Rates in Boulder
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Boulder for Minimum Coverage
A minimum coverage policy is your cheapest option for car insurance in Boulder. The insurance providers offering the lowest rates are:
- GEICO: $294 per year
- State Farm: $479 per year
USAA offers the cheapest minimum coverage policy of $264 per year. However, it was excluded from this ranking as it is only available to military families.
Even with minimum coverage policies, rates vary among providers. For instance, Progressive offers minimum coverage for an average rate of $1,296 per year. That’s more than four times the average rate of a comparative policy from GEICO.
Minimum coverage is the most affordable option, but it has low levels of liability coverage and offers the least protection. It does not include comprehensive and collision insurance. You can use the table below to see how rates fluctuate based on elected liability coverage.
Cheapest Minimum Liability Car Insurance in Boulder
State Minimum
- CompanyState Minimumper year
- 1.$264
- 2.$294
- 3.$479
- 4.$527
- 5.$537
Colorado’s minimum car insurance requirement includes liability coverage with 25/50/10 limits for bodily injury and property damage. It provides the least protection, and you may end up paying more out of pocket later.
A state minimum policy in Boulder only covers up to $50,000 in bodily injury. If you’re at-fault in a collision and medical expenses total $60,000, the remaining $10,000 will be your responsibility out of pocket.
Colorado Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Boulder if You Have Driving Violations
Violations on your driving record are sure to increase your premium. On average, the following insurers offer the lowest rates for drivers with violations:
- Cheapest after a ticket: GEICO, $819 per year
- Cheapest after an at-fault accident: GEICO, $1,105 per year
- Cheapest after a DUI: State Farm, $1,150 per year
If you have a military background and a speeding ticket or an at-fault accident on your record, USAA offers the lowest rates.
If you’re looking for cheap coverage after an accident or a speeding ticket, it’s recommended to work on improving your driving record over time. In the meantime, compare car insurance quotes in Boulder to find the best deals.
Cheapest Car Insurance in Boulder With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$770
- 2.$819
- 3.$1,094
- 4.$1,094
- 5.$1,098
Average Cost of Car Insurance in Boulder
Boulder$1,221
Colorado$1,450
U.S.$1,424
On average, Boulder drivers spend less on car insurance than most Colorado residents. Car insurance in Boulder is 15.8% less than the state's average cost of car insurance and 14.3% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Boulder
There are several factors insurers use to set car insurance premiums. They consider car make and model, age, gender and ZIP code.
Shopping car insurance quotes in Boulder is an effective way to determine which insurer best meets your coverage needs.
Compare Car Insurance Rates in Boulder
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Boulder
MoneyGeek collected quotes from multiple providers to find the best car insurance providers average rates, claims ratings and user satisfaction. In Boulder, Colorado, the best car insurance companies are the following:
- GEICO: MoneyGeek score of 91 out of 100
- State Farm: MoneyGeek score of 84 out of 100
USAA received a score of 100 out of 100, making it the best car insurance in Colorado for military members. However, it was excluded from the rankings because only military members and their families are eligible for its policies.
1
GEICO
Score:91
With above-average scores for all criteria, including affordability, satisfaction and claims, GEICO is MoneyGeek’s top choice for car insurance in Boulder. The insurer offers the unique coverage option — mechanical breakdown insurance. On average, a 40-year-old driver in Boulder pays $653 per year for a GEICO car insurance policy.
More About GEICO
A unique offer from GEICO for drivers in Boulder includes mechanical breakdown insurance. This coverage, which costs less than the standard extended warranty provided, includes all parts and systems available for cars less than 15 months old and driven less than 15,000 miles.
It offers rental car or travel reimbursement, which pays a preset amount for rental car and travel expenses when your car is not drivable for more than 24 hours due to a covered accident. Roadside assistance, another coverage option offered by GEICO, pays for flat tires, towing, jumpstarts and lockout services.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:84
In Boulder, State Farm policies have high affordability and claims scores and a perfect satisfaction score. The insurer offers rideshare insurance coverage. The average cost of a State Farm policy is $1,066 per year.
More About State Farm
Drivers in Boulder who work for a ridesharing company may want to add rideshare insurance to their policy. This extends the protections included in their personal auto insurance policies while the app is on and they’re available for hire. This unique offer from State Farm protects drivers with the same coverage as their personal auto insurance policy, except for liability insurance.
Roadside assistance is another optional coverage that assists drivers during roadside emergencies. Services like towing, mechanical labor, gas and oil delivery and locksmith services are included in this coverage.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:83
4
Allstate
Score:77
5
Nationwide
Score:76
6
Esurance
Score:67
7
American Family
Score:65
8
MetLife
Score:45
9
Farmers
Score:43
10
Progressive
Score:23
Average Cost of Car Insurance by Postal Code
Premiums can fluctuate for drivers with identical profiles depending on their postal code. Insurance providers consider that some neighborhoods have higher theft rates, number of accidents and a higher probability of natural disasters. Consequently, these location-specific factors are used to tailor premiums.
Boulder drivers living in ZIP code 80304 pay an average of $1,217 for car insurance each year. They have the most affordable premium in the city. Drivers living in ZIP code 80302 experience about an $8 increase at an average of $1,225 per year.
- Zip CodeState Minimumper year
- 80304$1,217
- 80302$1,225
Factors That Impact Insurance Costs in Boulder
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Boulder. How Boulder ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
