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Boulder Car Insurance

How much does car insurance cost in Boulder, CO? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Boulder?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Colorado has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Boulder typically pay around $114.57 per month compared to the national average of $136.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $136.68
Colorado $125.15
Boulder, Colorado $114.57

Boulder, CO Best Car Insurance Companies

car insurance in Boulder

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Boulder coming in around $99.58 per month. Other companies to consider if you live in Boulder is Dairyland Broadform Realtime with an average cost of $112.00 per month and Colorado Farm Bureau Mutual which typically runs around $122.55 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Boulder.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $99.58-20.43%
2 Dairyland Broadform Realtime $112.00-10.51%
3 Colorado Farm Bureau Mutual $122.55-2.07%
4 State Farm $126.521.09%
5 Auto-Owners Insurance Co $158.8726.95%
6 Allstate $174.6639.56%
7 SAFECO $179.5443.46%
8 Esurance $180.3644.11%
9 Metropolitan $181.2044.78%
10 Nationwide $182.0945.50%

How Much is Car Insurance in Boulder, CO?

how much is auto insurance in Boulder

Rates can vary from city to city. The residents of Arvada typically pay $118.84 per month while people who live in Aurora will pay $143.26 per month on average. See what people pay for car insurance in other cities in Colorado.

Colorado CitiesMonthly Average Rate
Arvada $118.84
Aurora $143.26
Boulder $116.11
Broomfield $113.07
Colorado Springs $137.13
Denver $136.48
Englewood$122.25
Fort Collins $109.67
Golden$123.68
Grand Junction $92.87
Greeley $113.45
Littleton $124.25
Longmont $105.35
Pueblo $121.59
Westminster $124.13

Cheap Car Insurance in Boulder by Zip Codes

find cheap auto insurance in Boulder

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Colorado. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Boulder, CO ZIP CodeAverage Monthly Rate
80301$108.41
80302$107.54
80303$130.90
80304$112.89
80305$110.82
80310$170.76

Car Insurance Rates by Driver's Age Group in Boulder

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $271.56 per month in Boulder. Compare that to drivers in their 30’s who typically pay around $92.61 per month drivers in their 40s at $90.40 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$271.56
20s$133.18
30s$92.61
40s$90.40
50s$81.02
60s$93.65
70+$107.82

Cheapest Insurance for Teenage Drivers in Boulder

If you are teen in Boulder you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $174.15 per month. This is likely the most affordable option in Boulder. You might also want to consider Colorado Farm Bureau Mutual and National Farmers Union P&C who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$174.15
Colorado Farm Bureau Mutual$181.83
National Farmers Union P&C$206.17
State Farm$252.75
Allstate$278.00

Cheapest Insurance for 20 Year-olds in Boulder

20 year-olds in Boulder might want to consider Dairyland Broadform Realtime who, on average, offers car insurance rates around $112.00 per month. Dairyland Realtime , USAA , Colorado Farm Bureau Mutual and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Dairyland Broadform Realtime$112.00
Dairyland Realtime$112.68
USAA$118.40
Colorado Farm Bureau Mutual$159.01
State Farm$166.38

Cheapest Insurance for 30 Year-olds in Boulder

If you are in your 30s in Boulder our research has found that USAA typically has the most affordable coverage coming in around $87.74 per month, followed by State Farm at $99.52 and Colorado Farm Bureau Mutual at $105.77.

CompanyAverage Monthly Rate
USAA$87.74
State Farm$99.52
Colorado Farm Bureau Mutual$105.77
Auto-Owners Insurance Co$127.74
Metropolitan$134.50

Cheapest Insurance for 40 Year-olds in Boulder

On average, Colorado Farm Bureau Mutual offers car insurance for 40 year-olds in Boulder for around $76.98 per month. If you are looking for affordable coverage, you may also want to consider USAA or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Colorado Farm Bureau Mutual$76.98
USAA$78.61
State Farm$97.45
Auto-Owners Insurance Co$114.90
Metropolitan$119.17

Cheapest Insurance for 50 Year-olds in Boulder

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Boulder we found that USAA generally offers the most affordable coverage at $65.88 per month.

CompanyAverage Monthly Rate
USAA$65.88
Colorado Farm Bureau Mutual$67.75
State Farm$82.21
National Farmers Union P&C$87.75
Auto-Owners Insurance Co$96.51

Cheapest Insurance for 60 Year-olds in Boulder

If you live in Boulder and you’re in your 60s, our data indicates that USAA usually has the best rates at $97.12 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$97.12
State Farm$101.15
Colorado Farm Bureau Mutual$103.38
Nationwide$112.70
Metropolitan$120.46

Driver's Coverage Auto Insurance Rates in Boulder, CO

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Boulder, the average monthly rate for a driver who is currently insured is $99.12 while drivers who are not currently covered will pay around $139.83.

CoverageAverage Monthly Rate
Not Currently Insured $139.83
Currently Insured $99.12

Compare Recent Car Insurance Quotes in Boulder

auto insurance quotes in Boulder city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Boulder a driver of a 2005 CADILLAC CTS can expect to pay around $86.62 per month while someone that owns a 2009 Subaru Outback may pay around $74.58 per month. Check out the list of recent quotes in Boulder below.

VehicleAverage Monthly Rate
2005 CADILLAC CTS$86.62
2009 Subaru Outback$74.58
2018 TOYOTA CAMRY$75.88
2017 JEEP CHEROKEE$161.08
2010 SUBARU IMPREZA$79.33
2021 MAZDA MAZDA3 SEDAN$141.35
2021 Mazda CX-5$99.02
2017 Volkswagen Tiguan$177.70
2014 Volkswagen Jetta$89.98
2021 Honda Hr-V$111.92

FAQ's for Drivers in Boulder, CO

driver’s frequently asked question in Boulder

What Is the Minimum Liability Coverage Requirement in Boulder, CO?

Colorado requires that all drivers carry car insurance, and insurance regulations are strictly enforced by the Colorado Department of Regulatory Agencies, Division of Insurance. Drivers must carry $25,000 per person and $50,000 per accident of bodily injury and $15,000 per accident for property damage.

Although Colorado used to be a no-fault state, it now operates as a tort system. This means fault must be established before any insurance company pays a claim. This change was made to reduce insurance premiums and claims abuses.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Even though it isn’t required by law, finance and leasing vendors insist that you carry collision and comprehensive auto insurance on any financed vehicle. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Boulder, CO?

It’s illegal for individuals to operate a vehicle in Colorado with the following BAC percentages:

  • .08%+ for 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ for under 21 years old

What are the consequences of being convicted of a DUI?

The consequences of being convicted of a DUI in Colorado are severe and may include fines, probation, legal costs, jail time, and installation of an ignition interlock device. Additionally, your driver’s license will be suspended and you may be required to take alcohol education classes or attend an addiction treatment program.

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Commute Time in Boulder, CO

19.1 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Boulder, CO

189

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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