Best Cheap Auto Insurance in Boulder, CO (2021)

The average Boulder, CO auto insurance rates are $306 per month. The minimum auto insurance in Boulder is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Boulder, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

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Things to Remember

  • The most expensive auto insurance company in Boulder for teen drivers is Farmers
  • The cheapest auto insurance company in Boulder is Liberty Mutual
  • Average auto insurance rates in Boulder, CO for senior drivers are $2,144 per year

Boulder, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Boulder can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Boulder, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Boulder to other Colorado cities, including Lakewood auto insurance rates, Centennial auto insurance rates, and Colorado Springs auto insurance rates to see how Boulder, Colorado auto insurance rates stack up.

Before you buy Boulder, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Boulder, Colorado auto insurance quotes.

Minimum Auto Insurance in Boulder, Colorado

Boulder, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Boulder, Colorado.

Minimum Required Auto Insurance Coverage in Boulder, Colorado

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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Cheap Boulder, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Boulder, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Boulder, Colorado

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

Cheap Boulder, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Boulder, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Boulder, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Boulder, Colorado

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

Cheap Boulder, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Boulder, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Boulder, Colorado

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

Cheap Boulder, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Boulder, Colorado compared to the annual auto insurance rates with a clean record in Boulder, Colorado.

Annual Boulder, Colorado Auto Insurance Rates by Driving Record

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

Cheap Boulder, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Boulder, Colorado is not easy. Compare the annual rates for DUI auto insurance in Boulder, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Boulder, Colorado

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

Cheap Boulder, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Boulder, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Boulder, Colorado

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

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Cheap Boulder, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Boulder, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Boulder, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Boulder, Colorado

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

Cheap Boulder, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Boulder, Colorado auto insurance. Find the cheapest annual Boulder, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Boulder, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Boulder, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Boulder, Colorado? Check out the comparison of annual Boulder, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Boulder, Colorado

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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Best By Category: Cheapest Auto Insurance in Boulder, Colorado

Compare the cheapest auto insurance companies in Boulder, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Boulder, Colorado

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

The Cheapest Boulder, Colorado Auto Insurance Companies

What auto insurance companies in Boulder, Colorado are the cheapest? Compare the top Boulder, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Boulder, Colorado

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 auto insurance rates in Boulder, Colorado?

There are a lot of reasons why auto insurance rates in Boulder, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Boulder, Colorado. Many local factors may affect your Boulder auto insurance rates.

Boulder Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Boulder, Colorado commute length is 19.7 minutes according to City-Data.

Boulder Traffic

How does Boulder, Colorado rank for traffic? According to Inrix Boulder, Colorado is the 333rd most congested worldwide.

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Compare Boulder, Colorado Auto Insurance Quotes

Before you buy Boulder, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Boulder, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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