In a perfect world, we could tell you the exact car insurance company that has the lowest rates for inexperienced drivers in Colorado. Unfortunately, it's not that simple as there are a whole bunch of unknown factors such as what liability limits you need, whether you are female or male, how well you maintain your credit, and citations or tickets, that all influence how much you pay for auto insurance. This article will cover the things that cause high insurance rates and will hopefully give you a good start in finding the cheapest car insurance for newbies.

The vehicle model you are seeking coverage for is one of the primary factors when shopping around for the cheapest auto insurance for inexperienced drivers. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models.

The information below estimates insurance prices for the cheaper vehicles to insure.

Cheapest Vehicles to Insure for Inexperienced Drivers in Colorado
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $872
Volkswagen Jetta S 2.5 Station Wagon $946
Jeep Wrangler Sport Islander Package 4WD 2-Dr $954
Honda Accord EX 4-Dr Sedan $961
Dodge Grand Caravan SE $973
Ford Explorer XLT 2WD $979
Honda CR-V EX 4WD $1,011
GMC Sierra SLE Regular Cab 2WD $1,028
Toyota Prius $1,059
Ford Escape Limited 4WD $1,066
Chevrolet Impala LTZ $1,085
Nissan Rogue S 2WD $1,101
Toyota Corolla XRS $1,104
Dodge Ram Crew Cab TRX 2WD $1,120
Chevrolet Silverado LS Extended Cab 4WD $1,129
Ford Focus SE 4-Dr Sedan $1,135
Toyota Tacoma 2WD $1,145
Honda Odyssey EX $1,135
Ford F-150 FX4 Super Cab 4WD $1,152
Chevrolet Malibu LT $1,158
Nissan Altima 2.5 4-Dr Sedan $1,162
Toyota RAV4 Limited 4WD $1,168
Toyota Camry SE $1,192
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific Colorado garaging location which can increase or decrease price quotes substantially.

Based upon the table data, we can infer that makes and models like the Hyundai Elantra, Volkswagen Jetta, Jeep Wrangler, and Honda Accord are most likely going to be a few of the cheapest vehicles to insure for new drivers.

One of the many considerations that help determine car insurance rates is where you live in Colorado. Cities with larger populations or higher claim trends like Pueblo, Denver, and Lakewood are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The information below sorts the most expensive places in Colorado for inexperienced drivers in which to buy car insurance.

Where does Colorado rank for car insurance cost?
Rank City Annual Rate
1 Pueblo $1,455
2 Aurora $1,403
3 Denver $1,383
4 Commerce City $1,368
5 Lakewood $1,365
6 Security-Widefield $1,343
7 Northglenn $1,329
8 Thornton $1,320
9 Arvada $1,308
10 Centennial $1,304
11 Colorado Springs $1,277
12 Ken Caryl $1,274
13 Parker $1,270
14 Littleton $1,254
15 Castle Rock $1,248
16 Highlands Ranch $1,241
17 Brighton $1,235
18 Westminster $1,234
19 Boulder $1,195
20 Broomfield $1,167
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Premium costs are comparative as zip code location can alter coverage rates noticeably.

The example below shows how different deductible levels can impact insurance costs when researching cheap insurance for inexperienced drivers in Colorado. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.

The chart above illustrates that a 40-year-old driver could lower rates by $290 a year by changing from a $100 deductible to a $500 deductible, or save $436 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, can cut $948 or more by selecting a higher deductible. When raising deductibles, it will now be necessary to have plenty of savings on hand to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Choosing a highly-rated auto insurance company can be challenging considering how many different companies there are to choose from in Colorado. The company rank data below can help you select which auto insurers to look at when shopping your coverage around. The ratings below are for the largest companies in America, so companies with more of a regional focus are not included in the list.

Top 10 Major Auto Insurers in Colorado Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Nationwide
  9. Safeco
  10. Esurance

Top 10 Major Auto Insurers in Colorado Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

How to find cheaper insurance for inexperienced drivers in Colorado

Lowering your rates is not difficult, and here are some of the recommended money-saving suggestions that can help drivers get lower-cost car insurance.

The last item on the list is remarkably important, as was stressed in the prior article. Prices charged by car insurance companies vary considerably, so don't hesitate to switch to a new company if a better deal can be had.

Being loyal to a particular company is commendable, but it's not recommended if it's costing you lots of hard earned cash every month. In just a few minutes you could shop around to find cheaper car insurance for inexperienced drivers.