Who Has Cheap Auto Insurance for Safe Drivers in Colorado?

The words “cheap” and “insurance” really shouldn’t be used in the same sentence, in particular when you are searching for the cheapest car insurance for safe drivers. To save some money, let’s familiarize you with a few of the factors that have an impact on insurance premiums, and figure out some ways to lower the cost of the next policy you buy.

For good drivers, one of the big factors that determine the price you pay for insurance is the neighborhood you call home in Colorado. Cities with larger populations like Pueblo, Aurora, and Northglenn tend to pay higher rates, whereas areas with less crime or weather claims can boast about having cheaper rates.

The following table sorts the priciest cities in Colorado for safe drivers to purchase auto insurance in.

Table data uses approximated as vehicle location can change insurance rates considerably.

Deciphering which company has the most affordable auto insurance rates for safe drivers may require a little more work in order to find the best policy. Each company used slightly different criteria to set policy rates, so let’s look at the rankings for the most affordable auto insurance companies in Colorado.

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The Hartford offers some of the lowest car insurance rates in Colorado at around $834 per year. Grange, USAA, Nationwide, and Auto-Owners also are some of the cheapest Colorado insurance companies.

As the example above demonstrates, if you have coverage with USAA and switched to The Hartford, you may see an annual savings of about $205. Customers with Nationwide could save as much as $309 a year, and Auto-Owners policyholders might reduce rates by $322 a year.

If you want to see how much you could save, click here to get a free quote or quote prices from the following companies.

Remember that these policy prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in a rate decrease for safe drivers. So the company that is best suited for you may not even be shown in the list of companies shown earlier. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.

Safe drivers pay cheaper rates

In a perfect world, the ideal way to get low auto insurance premiums in Colorado for good drivers is to be a good driver and not get tickets or have accidents. The illustration below demonstrates how citations and fender-benders can drive up car insurance costs for different age categories. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of a car insurance policy in Colorado per year with no violations or accidents is $1,524. Get one speeding ticket and the average cost rises to $1,782, an increase of $258 each year. Then add in two accidents along with the one speeding ticket and the annual cost of auto insurance for safe drivers increases to an average of $4,186. That’s an increase of $2,661, or $222 per month, just for not maintaining a clean driving record!

Allstate, Geico, Progressive, and State Farm: Who is best?

When researching auto insurance for good drivers in Colorado, four companies to take a look at are Allstate, Geico, Progressive, and State Farm. Each company has a slightly different mix of options and features that shoppers can choose from. The table below compares pricing and service ratings, as well as optional policy coverages you can expect with each one.

How to find cheap auto insurance for safe drivers in Colorado

The list below details some of the better penny-pinching suggestions that can help Colorado drivers get lower-cost auto insurance.

• Clean up your credit
• Don’t waste money on full coverage for older vehicles
• Save money by insuring your home and auto with the same company
• Remain accident-free and save
• Get cheaper liability coverage by choosing a safer vehicle
• Compare rates once a year for cheaper prices

That final tip is notably significant, as was discussed in this piece. Rates fluctuate considerably, so don’t be tentative to buy a different policy if you find a cheaper price. Having brand loyalty is commendable, but we do not recommend it if that dedication is costing money that could be spent on other things. In just a couple of minutes you could shop around to find cheaper insurance for safe drivers.