Cheapest Car Insurance in Colorado

American National is cheapest in nearly every category we analyzed. GEICO, Progressive, and Farm Bureau are also affordable and come with better service and buying experience for only slightly more money. Here are the cheapest car insurance options in Colorado:

For minimum coverage, American National is cheapest at $27/month and GEICO is second at $33/month. For full coverage, American National is cheapest at $74/month and GEICO is second cheapest at $101/month.

How to choose: American National wins on price. The gap between American National and GEICO is $27/month for full coverage, or $324/year. If you're comfortable working with a local agent and don't expect frequent claims, American National is the right call. We recommend also getting a quote from GEICO, especially if you need coverage quickly.

American National is cheapest in every major Colorado city, from $71/month in Fort Collins to $98/month in Aurora. Aurora is the most expensive city in the dataset, driven by dense traffic, elevated vehicle theft, and high hail claim volume in the Denver metro.

How to choose: Colorado city rate tables use average ZIP code data. Your actual address will move that rate.  If American National's agent-only model doesn't work for you, GEICO is the next cheapest option across all Colorado cities.

American National is cheapest at every age in our dataset, from $198/month for 16-year-olds to $99/month for 65-year-olds.  GEICO is the second lowest cost across age groups in Colorado.
Similar to most states, the cheapest Colorado insurer for you changes over time. GEICO, Farm Bureau and Progressive are cheapest depending on your specific age. Our recommendation is to re-shop for a quote every few years because you might be missing out on the lowest rate.

Young drivers pay 100% to 200% more than middle aged drivers in Colorado.  Seniors pay about 20% more, with rates that will continue to increase into their 70's and 80's.  Here is how to choose if you are in these age groups:

1. Young drivers in Colorado: American National is cheapest at 16 and 25, ranging from $139 to $198/month, but young drivers file more claims than any other age group and they don't offer accident forgiveness. Progressive and GEICO at $208/month for teen drivers includes accident forgiveness and ranks 2nd for customer experience. Auto-Owners at $239/month holds the top customer experience score in Colorado, but is $21 more per month. GEICO, Progressive, and American National should be your first quotes to get the lowest rate.
2. Seniors in Colorado: American National is cheapest at $99/month., but the next three cheapest insurers all offer senior-specific discounts worth knowing. Progressive at $129/month has the Snapshot telematics program that saves seniors an additional 10% to 20% for low-mileage. Farm Bureau at $138/month offers a mature driver discount for policyholders 50 and older, plus a claims-free discount that rewards a long clean record. GEICO at $136/month offers a defensive driving discount through its DriveEasy program. Colorado law also requires a discount for drivers 55 and older who complete a state-approved accident prevention course, which applies at any of these companies.

American National is cheapest across every violation category starting at $89/month and bad credit starting at $198/month. GEICO is the second most affordable with rates that start at $13/month more than American National.  The difference between the third cheapest in Colorado is bigger, so start with these companies first for the lowest rates.

Colorado allows credit-based insurance pricing under Colorado Revised Statute 10-4-116, with the limitation that rates can't be based solely on credit history. Most violations affect rates for three years. An SR-22 filing is required after certain violations including DUI.

1. After a speeding ticket: American National is cheapest at $89/month. GEICO and Progressive are tied at $98/month as the next cheapest. The gap across all five carriers is just $37/month. At that range, service quality matters more than price. GEICO and Progressive both rank higher for customer experience. The $14/month difference over American National is worth it for most drivers.
2. After an at-fault accident: American National is cheapest at $98/month. GEICO is the next cheapest at $112/month.
3. After a DUI: After a DUI: American National is cheapest at $187/month. Farm Bureau and Progressive are tied at $209/month. Confirm your carrier files SR-22s in Colorado before buying. The $22/month difference between American National and Farm Bureau or Progressive is worth considering alongside service quality. See cheapest car insurance after a DUI for more.
4. With bad credit: American National is cheapest at $198/month. Progressive and GEICO are tied for the second lowest rates at $211/month and Farm Bureau is third at $212/month, a $14/month spread across the top three. Our recommendation would be to go with Progressive or Farm Bureau for similar rates with better service scores. Read more about how credit affects your rate.