Colorado Car Insurance Calculator

With breathtaking mountain roads and picturesque highways, Colorado makes for a breathtaking driving experience. Before venturing off on any adventure, however, be sure to secure yourself with adequate car protection by purchasing at least minimum liability policy that includes collision and comprehensive coverage – the average annual rate in Colorado for such coverage being approximately $508 annually which is more affordable than national average rates.

Your policy’s price can depend on a range of factors, from where you live to your driving history and population density in your county and traffic congestion levels. Rural areas usually tend to offer lower premiums; Colorado Springs stands out as being different due to its concentration of young drivers stationed at Fort Carson or attending Pikes Peak State College who often drive without proper coverage.

Your credit score is another critical component in determining the cost of auto insurance policies, and can increase premiums up to 99%! Therefore, it is wise to work towards improving it before purchasing new policies.

Add extra physical damage coverage to your policy in order to safeguard against injuries from car-vs-car collisions, theft and extreme weather events. Leasing or financing arrangements typically mandate additional collision and comprehensive coverage on top of state minimum. But even if you own the vehicle outright, additional physical damage coverages may prove more than worth their added cost.

As when shopping around for car insurance quotes, it is crucial that you shop around when comparing car insurance quotes in Colorado. There are numerous competing companies, each offering different pricing models and policies. To help make comparison easier we performed an analysis on The Zebra car insurance quotes for drivers in Colorado with different demographic information and driving histories; results demonstrate how your location, age and marital status all have an effect on rates for coverage.

We compared car insurance rates for drivers with and without tickets or accidents on their driving records, and found the average yearly premiums to be $1,663 annually; Gieco had the cheapest sample rates while Allstate offered more comprehensive policies.

An at-fault accident on your Colorado car insurance record can add significantly to your monthly premiums; Bankrate estimates you may pay an extra 43 percent after being found at fault in a crash. But take heart: your rate should return to normal within several years as long as payments remain current; in the meantime, take advantage of discounts that might help reduce financial repercussions while keeping you driving safely; these include state teen driver and safe driver discounts, among many others.