Cheapest Auto Insurance for Government Employees in Colorado

Cheapest Auto Insurance for Government Employees in Colorado

Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for government employees is not easy to find. Don’t let that get you down, though, because we are going to tell you how you can find and buy coverage that you can afford.

Determining which companies have the best auto insurance rates for government employees will take a bit more work than just getting one or two price quotes.

Each insurance company has a proprietary formula for establishing rates, so let’s rank the lowest cost auto insurance companies in Colorado.

Best Insurance Companies in Colorado

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Cheapest Colorado auto insurance companies
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $987
3 USAA $1,009
4 Nationwide $1,109
5 GEICO $1,152
6 Travelers $1,171
7 Auto-Owners $1,192
8 State Farm $1,209
9 American Family $1,275
10 Progressive $1,336
11 Amica $1,340
12 California Casualty $1,444
13 Allied $1,497
14 Farmers $1,565
15 Colorado Farm Bureau $1,640
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,165
19 Safeco $2,522
20 Titan $2,738
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The Hartford normally has some of the lowest car insurance rates in Colorado at around $825 annually. Grange, USAA, Nationwide, and GEICO also make the cut as some of the most economical Colorado auto insurance companies.

As the rates illustrate above, if you currently buy coverage from Grange and switched to The Hartford, you may see annual savings of approxmiately $162. Insureds with USAA might save as much as $184 a year, and Nationwide customers might reduce rates by $284 a year.

Understand that those rates are averaged across all insureds and vehicles and are not factoring in a rate discount for government employees. So the insurer that fits you best may not even be included in the above rate chart. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The safety and performance level of the vehicle you are buying coverage for is one of the largest considerations when comparing quotes for cheaper coverage for government employees. Vehicles with higher performance characteristics, a lack of modern safety features, or a high likelihood of having liability claims will cost much more to insure than safer models. The lists below estimates insurance premiums for a selection of the most affordable automobiles to buy coverage for.

Auto Insurance Rates for Popular Cars in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Fusion SE 4-Dr Sedan $1,200 $600 $100
Honda Accord EX 4-Dr Sedan $938 $469 $78
Hyundai Elantra Blue 4-Dr Sedan $1,152 $576 $96
Hyundai Sonata SE 4-Dr Sedan $1,246 $623 $104
Kia Optima SX $1,270 $635 $106
Nissan Altima 3.5 SR 4-Dr Sedan $1,200 $600 $100
Toyota Camry SE $1,176 $588 $98
Volkswagen Jetta SE 2.5 Station Wagon $1,122 $561 $94
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in specific location which can change coverage prices noticeably.

Insurance Rates for Popular SUVs and Crossovers in Colorado
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Suburban LTZ 2WD $1,200 $600 $100
Chevrolet Traverse LT 2WD $986 $493 $82
Ford Escape XLT 4WD $962 $481 $80
Ford Expedition Eddie Bauer 2WD $1,122 $561 $94
Ford Explorer Limited 2WD $1,132 $566 $94
GMC Acadia SLT 2WD $1,108 $554 $92
Honda CR-V LX 2WD $938 $469 $78
Honda Pilot EX 4WD $1,064 $532 $89
Jeep Grand Cherokee Laredo 2WD $1,108 $554 $92
Jeep Wrangler Sahara 4WD 2-Dr $1,040 $520 $87
Kia Sportage LX 4WD 4-Dr $1,108 $554 $92
Subaru Forester XT AWD $1,146 $573 $96
Toyota Highlander Limited 2WD $1,224 $612 $102
Toyota RAV4 Limited 2WD $1,108 $554 $92
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate information does not factor in your specific Colorado location which can influence premium rates significantly.

Auto 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 $1,084 $542 $90
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,200 $600 $100
Chevrolet Silverado 3500HD LT Extended Cab 4WD $1,428 $714 $119
Chevrolet Silverado LT Extended Cab 2WD $1,178 $589 $98
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,202 $601 $100
Ford F-150 STX Super Cab 4WD $1,064 $532 $89
Ford F-250 XL Crew Cab Turbo Diesel 4WD $1,360 $680 $113
GMC Canyon SLE Ext Cab 2WD $1,084 $542 $90
GMC Sierra SLT Extended Cab 2WD $1,200 $600 $100
Toyota Tundra Double Cab 4WD $1,202 $601 $100
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in your specific Colorado location which can raise or lower premium rates greatly.

Picking a highly-rated company can be difficult considering how many different companies sell coverage in Colorado. The company ratings in the lists below could help you analyze which car insurance providers to look at comparing price quotes from. The ratings below are for major nationwide insurance companies, so smaller companies are not included in these rankings.

Top Ten Auto Insurance Companies in Colorado
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
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Data Source: Insure.com Best Car Insurance Companies

How violations and accidents impact rates

In a perfect world, the ideal way to snag affordable auto insurance prices in Colorado for state and federal workers is to drive safe and avoid accidents and violations. The information below highlights how speeding tickets and at-fault accidents drive up insurance costs for different insured age categories. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

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In the chart above, the average cost of auto insurance in Colorado per year with no accidents and a clean driving record is $2,696. Factor in two speeding tickets and the average cost rises to $3,581, an increase of $885 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for government employees increases to an average of $6,753. That’s an increase of $4,057, or $338 per month, just for not being more responsible behind the wheel!

Ideas for finding economical auto insurance for government employees

Below you’ll find some of the recommended thrifty ideas that can help drivers find cheap car insurance.

  • Increase your deductibles
  • Buy a safer vehicle
  • Pay lower rates with good credit
  • At-fault accidents can raise rates significantly
  • Full coverage may not be needed on older vehicles
  • Do not get traffic violations
  • Ensure you have the best deal by shopping around regularly

The last item on the list is notably vital, as was pointed out in this article. Prices in Colorado can change considerably in a year, so don’t hesitate to change insurance companies if a cheaper price is available.

Staying with the same company for years is fine, but it isn’t a good idea if that inflexibility results in costing you thousands of dollars over several years. In just a few minutes you could shop around and find cheaper insurance for government employees.