- Cheapest car insurance for high-risk drivers in Colorado
- Average rates for high-risk drivers in Colorado by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Colorado
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Colorado is State Farm, followed by Nationwide and Geico.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,005 | $167 |
| Nationwide | $2,257 | $188 |
| Geico | $2,321 | $193 |
| Progressive | $2,578 | $215 |
| Allstate | $2,806 | $234 |
| Kemper Insurance | $3,223 | $269 |
| Auto-Owners | $3,230 | $269 |
| Farmers | $3,488 | $291 |
| American Family | $3,910 | $326 |
| USAA | $2,023 | $169 |
Average rates for high-risk drivers in Colorado by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,846 |
| State Farm | $1,873 |
| Nationwide | $2,135 |
| Geico | $2,287 |
| Kemper Insurance | $2,634 |
| Progressive | $2,889 |
| Auto-Owners | $3,158 |
| Allstate | $3,334 |
| Farmers | $3,551 |
| American Family | $3,864 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Colorado for a driver with a DUI is State Farm with an average annual of $1,753 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,753 | $146 |
| Progressive | $2,211 | $184 |
| Geico | $2,695 | $225 |
| Nationwide | $2,716 | $226 |
| Allstate | $2,899 | $242 |
| Farmers | $3,456 | $288 |
| American Family | $3,732 | $311 |
| Auto-Owners | $3,737 | $311 |
| Kemper Insurance | $4,259 | $355 |
| USAA | $2,635 | $220 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Colorado, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,753 per year or $146 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,753 | $146 |
| Nationwide | $2,032 | $169 |
| Geico | $2,241 | $187 |
| Progressive | $2,426 | $202 |
| Allstate | $2,438 | $203 |
| Auto-Owners | $2,547 | $212 |
| Kemper Insurance | $2,583 | $215 |
| Farmers | $3,260 | $272 |
| American Family | $3,732 | $311 |
| USAA | $1,574 | $131 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Colorado, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,753 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,753 | $146 |
| Geico | $2,550 | $213 |
| Progressive | $2,605 | $217 |
| Nationwide | $2,716 | $226 |
| Allstate | $2,899 | $242 |
| Farmers | $3,516 | $293 |
| Auto-Owners | $3,737 | $311 |
| American Family | $4,242 | $354 |
| Kemper Insurance | $4,259 | $355 |
| USAA | $1,971 | $164 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Colorado is Geico with an average annual cost of $1,957 or $163 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,957 | $163 |
| Nationwide | $2,017 | $168 |
| Kemper Insurance | $3,072 | $256 |
| State Farm | $3,267 | $272 |
| Progressive | $3,378 | $282 |
| Allstate | $3,724 | $310 |
| Farmers | $4,176 | $348 |
| Auto-Owners | $4,266 | $356 |
| American Family | $4,288 | $357 |
| USAA | $2,808 | $234 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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