Affordable Car Insurance in Colorado
Liability-only or full coverage, compared across 14+ carriers in one conversation. High-risk drivers, young drivers, and drivers with no prior insurance welcome.
14 years in insurance. Call or text, evenings and weekends included.
Call or text 720-984-7311 Get a free quoteWhy I can usually beat your current rate
Captive agents and 1-800 numbers can only sell you one company. I'm independent, so I compare Progressive, GEICO, Travelers, Nationwide, Bristol West, and more for the exact same coverage, then show you the lowest prices side by side.
If your rate jumped at renewal, it's worth a five-minute call. Carriers reprice constantly, and the company that was cheapest for you two years ago often isn't today.
Coverage I quote every day
- Liability-only. The legal minimum or higher limits, for older cars you own outright.
- Full coverage. Adds comprehensive and collision. Required if your car is financed or leased.
- Hail and comprehensive. Colorado hail season is real. Comprehensive pays for hail, theft, glass, and animal hits.
- Uninsured motorist. Protects you when the other driver has no insurance or not enough.
- Young and new drivers. Teens, students, and first-time buyers, with every discount they qualify for.
- High-risk and DUI. Tickets, accidents, or a DUI. SR-22 after a DUI filed same day in most cases.
Colorado minimum car insurance
Every Colorado driver, and every SR-22, must carry at least:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage per accident
Minimums keep you legal but may not fully protect you. I'll show you what higher limits cost so you can decide.
Ways to lower your Colorado car insurance
- Bundle. Put your car with your home, condo, or renters policy.
- Raise your deductible. Only if you could comfortably cover it after a claim.
- Pay in full or set up autopay. Many carriers discount both.
- Stay continuously insured. Gaps in coverage raise rates almost everywhere.
- Re-shop every renewal. I'll do it for you.
What clients say
Grace was very personable and understanding. She can get you very competitive rates and take care of you thru the whole process. I highly recommend her for your insurance needs!
She was super professional, punctual and she has the BEST rates in Denver!! Thank you so much, she helped me super fast too!!
Grace saved me so much money on my insurance, I've been with her for years!
Grace DeMichelis is absolutely wonderful to work with!
Very knowledgeable and helpful and got me the best price insurance coverage.
Car insurance from 14+ carriers
As an independent broker, I shop 14+ top-rated companies so you don't have to.
- Bristol West
- Liberty Mutual
- Kemper
- Foremost
- Branch Insurance
- Burns & Wilcox
- Berkshire Guard
- Mercury Insurance
- Safeco
Fox Insurance Brokerage is not affiliated with or endorsed by any insurance carrier. Carrier availability varies by driver, property, and situation.
Car insurance questions
How much is car insurance in Colorado?
It depends on your driving record, ZIP code, vehicle, age, credit-based insurance score, and the coverage you choose. Rates for the same driver can vary a lot between companies, which is why comparing 14+ carriers matters.
What's the cheapest car insurance in Colorado?
The cheapest company is different for every driver. One carrier may be lowest for a clean 40-year-old and highest for a 19-year-old with a ticket. Shopping several carriers at once is the only reliable way to find yours.
Does car insurance in Colorado cover hail damage?
Yes, if you carry comprehensive coverage, which is part of a full coverage policy. Liability-only insurance doesn't pay for damage to your own car.
Is full coverage worth it?
If your car is financed or leased, your lender requires it. If you own it outright, compare the extra cost against what the car is worth and what you could afford to replace. I'll show you both numbers.
Can I get car insurance with no prior insurance?
Yes. Some carriers require a coverage history, but not all. See no prior insurance.
Can I bundle car insurance with home or renters?
Yes, and most carriers give you a multi-policy discount. I'll quote it both ways.
Let's lower your rate.
Send me your current declarations page or just call. I'll compare 14+ carriers.
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