Cheap Car Insurance for Low Mileage Drivers in Colorado

Cheap Car Insurance for Low Mileage Drivers in Colorado

The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, specifically when shopping around for the best insurance rates for low mileage drivers. In an attempt to save some money, let’s take a look at some of the things that impact insurance rates, and come up with some ideas to take a little off the next policy you buy.

Establishing which company has the best car insurance rates for low mileage drivers involves a little more effort than just quoting one company’s rates.

Each insurance company has their own guidelines for filing rates in each state, so let’s examine the car insurance companies that tend to have lower prices in Colorado. It’s important to know that Colorado car insurance rates are influenced by many factors which can substantially decrease or increase the policy price. Improving your credit rating, buying a new vehicle, or having an at-fault accident may prompt premium changes that may make certain companies cheaper than before.

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Rankings for the cheapest car insurance companies in Colorado
Rank Company Cost Per Year
1 The Hartford $850
2 Grange $949
3 USAA $999
4 GEICO $1,141
5 Nationwide $1,155
6 Auto-Owners $1,156
7 Travelers $1,207
8 State Farm $1,222
9 American Family $1,301
10 Amica $1,353
11 Progressive $1,362
12 Allied $1,483
13 California Casualty $1,502
14 Farmers $1,581
15 Colorado Farm Bureau $1,640
16 MetLife $1,811
17 Allstate $2,015
18 Encompass $2,165
19 Safeco $2,447
20 Titan $2,738
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The Hartford offers some of the best car insurance rates in Colorado at around $850 per year. Grange, USAA, GEICO, and Nationwide would also be considered some of the lowest-priced Colorado insurance companies.

In the above example, if you currently have coverage with GEICO and switched to Grange, you could see a yearly price reduction of about $192. Customers with Nationwide may save as much as $206 a year, and Auto-Owners customers might lower prices by $207 a year.

These policy rates are averages across all drivers and vehicles in Colorado and and are not calculated with a rate discount for low mileage drivers. So the company that fits your situation best may not even be in the above rate chart. That points out the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.

We all have different tastes in cars, and the vehicle requiring insurance is one of the primary factors when consumers are trying to find the best cheap insurance for low mileage drivers. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.

The tables below presents car insurance prices for the cheapest automobiles to buy insurance for.

Auto Insurance Rates for Popular Cars in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,220 $610 $102
Ford Focus S 4-Dr Sedan $1,192 $596 $99
Honda Accord EX-L 2-Dr Coupe $1,396 $698 $116
Hyundai Elantra SE Touring Station Wagon $1,132 $566 $94
Hyundai Sonata SE 4-Dr Sedan $1,368 $684 $114
Kia Optima EX $1,396 $698 $116
Nissan Altima 3.5 SR 4-Dr Sedan $1,324 $662 $110
Volkswagen Jetta SEL 4-Dr Sedan $1,324 $662 $110
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific location which can change coverage rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL 2WD $1,324 $662 $110
Chevrolet Suburban LS 4WD $1,248 $624 $104
Chevrolet Traverse LT AWD $1,160 $580 $97
Ford Escape XLT 4WD $1,056 $528 $88
Ford Expedition Eddie Bauer 2WD $1,236 $618 $103
Ford Explorer Limited AWD $1,248 $624 $104
GMC Acadia SLE 2WD $1,144 $572 $95
GMC Terrain SLE AWD $1,132 $566 $94
Honda CR-V EX-L 4WD $1,056 $528 $88
Honda Pilot EX 2WD $1,172 $586 $98
Jeep Grand Cherokee Limited 4WD $1,324 $662 $110
Nissan Pathfinder LE 2WD $1,248 $624 $104
Toyota 4Runner Limited 2WD $1,264 $632 $105
Toyota Highlander Limited 2WD $1,352 $676 $113
Toyota RAV4 Limited 4WD $1,220 $610 $102
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific garaging location which can affect prices significantly.

Car Insurance Rates for Popular Pickup Trucks in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $1,192 $596 $99
Chevrolet Silverado 2500HD LT Crew Cab 2WD $1,472 $736 $123
Chevrolet Silverado LTZ Extended Cab 2WD $1,396 $698 $116
Dodge Ram Quad Cab Laramie 2WD $1,424 $712 $119
Ford F-150 XLT Regular Cab 4WD $1,144 $572 $95
Ford F-250 XL Super Cab Harley Edition 4WD $1,496 $748 $125
GMC Sierra 2500HD SLE Crew Cab 2WD $1,472 $736 $123
GMC Sierra SLT Crew Cab 4WD $1,428 $714 $119
Toyota Tacoma Double Cab 4WD $1,220 $610 $102
Toyota Tundra SR/5 Double Cab 2WD $1,292 $646 $108
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific location information which can influence premiums significantly.

One of the more important things that affect insurance cost is the neighborhood you call home in Colorado. Densely populated urban areas like Denver, Lakewood, and Commerce City tend to pay more, whereas less populated areas benefit from lower rates.

The information below ranks the most costly cities in Colorado for low mileage drivers in which to buy car insurance.

How much is auto insurance in Colorado?
Rank City Premium Per Year
1 Denver $1,439
2 Pueblo $1,412
3 Lakewood $1,378
4 Aurora $1,361
5 Commerce City $1,328
6 Centennial $1,304
7 Littleton $1,293
8 Northglenn $1,290
9 Colorado Springs $1,290
10 Westminster $1,284
11 Highlands Ranch $1,279
12 Arvada $1,269
13 Thornton $1,268
14 Parker $1,257
15 Brighton $1,235
16 Castle Rock $1,224
17 Broomfield $1,179
18 Boulder $1,171
19 Longmont $1,133
20 Greeley $1,122
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Table data uses estimated as vehicle location can decrease or increase premiums considerably.

Is Geico, Progressive, State Farm, or Allstate cheaper?

If you are shopping around for auto insurance, four companies to take a look at are Geico, Progressive, State Farm, and Allstate. When combined, they insure nearly half of the entire U.S. auto insurance market. All four offer physical damage and liability coverage, but each has slightly different options that may influence your choice. The table below illustrates ratings for price and service, as well as some optional coverages that are available.

Top Four Auto Insurance Companies Compared
Geico Progressive State Farm Allstate
Number of Discounts 2nd 4th 3rd 1st
Overall Satisfaction 1st 3rd 4th 2nd
Claims Service 3rd 4th 2nd 1st
Overall Cost 1st 3rd 2nd 4th
Rating from A.M. Best A++ A+ A++ A+
Standard & Poor’s financial rating AA+ AA AA AA-
Rate for vehicle usage No Yes Yes Yes
Accident forgiveness Yes Yes No Yes
New car replacement insurance No No No Yes
Roadside service Yes Yes Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Mechanical breakdown insurance Yes Yes No No
Insure in Colorado Yes Yes Yes Yes
Where you can buy From a Geico agent or online Buy online or from an independent agent State Farm exclusive agents Allstate-only agents
Number of agents 150+ 30,000+ 18,000+ 11,000+
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