Buy Cheap Boulder, CO Auto Insurance in 2024
Boulder, CO auto insurance rates average $306 a month. Minimum auto insurance requirements in Boulder, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Boulder, CO, compare Boulder auto insurance quotes from top companies.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Boulder after a DUI is Allstate
- Average auto insurance rates in Boulder, CO for teens drivers are $7,221/year
- Average auto insurance rates in Boulder, CO after a DUI are $4,360/year
Finding affordable Boulder, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Boulder, CO auto insurance with confidence is right here. Auto insurance rates in Boulder are affected by local factors as well as personal ones like your driving record.
See how Boulder, CO car insurance rates compare to Fort Collins auto insurance rates, Boulder auto insurance rates, and Greeley auto insurance rates before you read more about the cost of auto insurance in Boulder.
Don’t buy Boulder, CO auto insurance until you’ve compared rates. Get free Boulder, Colorado auto insurance quotes when you enter your ZIP code above.
Boulder, CO Minimum Auto Insurance Requirements
The required auto insurance in Boulder, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Boulder, Colorado is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Find Cheap Boulder, CO Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Boulder, CO. Take a look at Boulder, Colorado auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,550 | $5,060 | $3,818 |
| American Family | $4,874 | $3,498 | $2,940 |
| Farmers | $6,115 | $5,000 | $4,753 |
| Geico | $3,173 | $2,643 | $2,112 |
| Liberty Mutual | $3,684 | $2,280 | $1,813 |
| Nationwide | $4,068 | $3,235 | $2,817 |
| Progressive | $4,406 | $3,778 | $3,477 |
| State Farm | $4,737 | $3,045 | $2,455 |
| USAA | $4,322 | $2,492 | $2,006 |
Buy Cheap Boulder, CO Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Boulder, Colorado auto insurance rates? Find out how car insurance rates in Boulder, CO are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,089 | $2,877 | $2,804 | $2,829 | $11,119 | $11,710 | $3,357 | $3,354 |
| American Family | $2,577 | $2,577 | $2,331 | $2,331 | $6,229 | $8,403 | $2,577 | $3,144 |
| Farmers | $3,050 | $3,031 | $2,753 | $2,963 | $11,797 | $11,966 | $3,356 | $3,398 |
| Geico | $1,642 | $1,811 | $1,777 | $2,043 | $5,285 | $5,578 | $1,498 | $1,510 |
| Liberty Mutual | $1,650 | $1,582 | $1,413 | $1,559 | $5,364 | $5,845 | $1,665 | $1,662 |
| Nationwide | $2,245 | $2,277 | $2,018 | $2,122 | $5,702 | $7,251 | $2,587 | $2,784 |
| Progressive | $2,318 | $2,163 | $2,059 | $2,043 | $8,225 | $9,171 | $2,601 | $2,518 |
| State Farm | $2,097 | $2,097 | $1,904 | $1,904 | $6,255 | $7,892 | $2,356 | $2,796 |
| USAA | $1,948 | $1,930 | $1,876 | $1,860 | $5,014 | $5,716 | $2,491 | $2,684 |
Buy Cheap Boulder, CO Auto Insurance for Teen Drivers
Auto insurance for teenagers in Boulder can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Boulder, CO are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,119 | $11,710 |
| American Family | $6,229 | $8,403 |
| Farmers | $11,797 | $11,966 |
| Geico | $5,285 | $5,578 |
| Liberty Mutual | $5,364 | $5,845 |
| Nationwide | $5,702 | $7,251 |
| Progressive | $8,225 | $9,171 |
| State Farm | $6,255 | $7,892 |
| USAA | $5,014 | $5,716 |
Buy Cheap Boulder, CO Auto Insurance for Seniors
You can save on senior auto insurance rates in Boulder, Colorado by comparing Boulder senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Boulder, CO here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,804 | $2,829 |
| American Family | $2,331 | $2,331 |
| Farmers | $2,753 | $2,963 |
| Geico | $1,777 | $2,043 |
| Liberty Mutual | $1,413 | $1,559 |
| Nationwide | $2,018 | $2,122 |
| Progressive | $2,059 | $2,043 |
| State Farm | $1,904 | $1,904 |
| USAA | $1,876 | $1,860 |
Find Cheap Auto Insurance Rates in Boulder, CO by Coverage Level
The amount of coverage you choose is a big factor in the cost of Boulder, Colorado auto insurance. Compare Boulder, CO auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,842 | $5,124 | $5,461 |
| American Family | $3,557 | $3,849 | $3,907 |
| Farmers | $4,634 | $5,213 | $6,021 |
| Geico | $2,348 | $2,591 | $2,989 |
| Liberty Mutual | $2,424 | $2,582 | $2,771 |
| Nationwide | $3,335 | $3,378 | $3,407 |
| Progressive | $3,527 | $3,902 | $4,233 |
| State Farm | $3,161 | $3,416 | $3,661 |
| USAA | $2,788 | $2,940 | $3,093 |
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Find Cheap Boulder, CO Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Boulder. Compare auto insurance rates in Boulder, CO by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,142 | $5,142 |
| American Family | $3,689 | $3,853 |
| Farmers | $5,289 | $5,289 |
| Geico | $2,592 | $2,693 |
| Liberty Mutual | $2,592 | $2,592 |
| Nationwide | $3,373 | $3,373 |
| Progressive | $3,887 | $3,887 |
| State Farm | $3,327 | $3,498 |
| USAA | $2,858 | $3,022 |
Find Cheap Boulder, CO Auto Insurance Rates by ZIP Code
Auto insurance rates in Boulder, Colorado can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Boulder, CO to see how much where you live in Boulder affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 80301 | $3,298 |
| 80302 | $3,462 |
| 80303 | $3,393 |
| 80304 | $3,422 |
| 80305 | $3,353 |
| 80309 | $3,450 |
| 80310 | $3,442 |
Find Cheap Boulder, CO Auto Insurance Rates by Driving Record
Auto insurance rates in Boulder, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Boulder, CO, take a look at the average cost for various violations versus rates for a clean driving record in Boulder.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,356 | $5,037 | $6,213 | $4,963 |
| American Family | $2,792 | $3,953 | $5,175 | $3,164 |
| Farmers | $4,474 | $5,747 | $5,662 | $5,274 |
| Geico | $1,846 | $2,901 | $3,437 | $2,388 |
| Liberty Mutual | $2,285 | $2,665 | $2,743 | $2,676 |
| Nationwide | $2,612 | $3,543 | $4,472 | $2,866 |
| Progressive | $3,354 | $4,761 | $3,537 | $3,898 |
| State Farm | $3,123 | $3,702 | $3,413 | $3,413 |
| USAA | $2,142 | $2,625 | $4,586 | $2,408 |
Find Cheap Boulder, CO Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Boulder, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Boulder for less when you shop around and compare rates from multiple Boulder, CO auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,213 |
| American Family | $5,175 |
| Farmers | $5,662 |
| Geico | $3,437 |
| Liberty Mutual | $2,743 |
| Nationwide | $4,472 |
| Progressive | $3,537 |
| State Farm | $3,413 |
| USAA | $4,586 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Boulder, CO
Compare rates from the cheapest auto insurance companies in Boulder, CO for your needs. Take a look at how Boulder, Colorado auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Geico |
Find Cheap Boulder, Colorado Auto Insurance Companies
If you’re looking for the cheapest Boulder, CO auto insurance companies overall, you can compare them here. Find the best price for Boulder, Colorado car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,142 |
| American Family | $3,771 |
| Farmers | $5,289 |
| Geico | $2,643 |
| Liberty Mutual | $2,592 |
| Nationwide | $3,373 |
| Progressive | $3,887 |
| State Farm | $3,413 |
| USAA | $2,940 |
What affects Boulder, Colorado auto insurance rates?
Local factors affect auto insurance rates in Boulder, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Boulder auto insurance rates.
Commute Times in Boulder
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Boulder, CO is 19.7 minutes according to City-Data.
Traffic in Boulder
How is traffic in Boulder, Colorado? Inrix data shows that Boulder, CO traffic makes it the 333rd-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Boulder, CO
You can buy cheap Boulder, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Boulder, Colorado auto insurance quotes from top companies.
Frequently Asked Questions
Can I really find cheap auto insurance in Boulder, CO?
Yes, it is possible to find affordable auto insurance in Boulder, CO. By comparing quotes from multiple insurance providers and understanding the factors that affect insurance premiums, you can find a policy that fits your budget.
What factors can affect the cost of auto insurance in Boulder, CO?
Several factors can influence the cost of auto insurance in Boulder, CO. These may include your age, driving record, vehicle type, coverage options, deductible amount, annual mileage, and even your credit score.
How can I find the cheapest auto insurance rates in Boulder, CO?
To find the cheapest auto insurance rates in Boulder, CO, consider the following steps:
- Shop around and compare quotes from multiple insurance companies.
- Opt for higher deductibles, which can lower your premium but require you to pay more out of pocket in case of an accident.
- Ask about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for installing anti-theft devices in your vehicle.
- Maintain a good credit score, as some insurers take it into account when determining premiums.
- Consider adjusting your coverage limits and types to meet your specific needs while keeping costs down.
What are the minimum auto insurance requirements in Boulder, CO?
In Boulder, CO, the minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Are there any specific auto insurance requirements unique to Boulder, CO?
While the minimum insurance requirements in Boulder, CO are the same as the state of Colorado, it’s essential to be aware of any additional coverage needs specific to your situation. For example, if you have a lease or loan on your vehicle, your lender may require comprehensive and collision coverage.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.