The make and model of vehicle you are seeking coverage for is one of the main factors when comparing cheaper car insurance for a learners permit. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than higher performance models. The next list showcases car insurance prices for a selection of the most cost-effective automobiles to insure in Colorado.

Cheapest Vehicles to Insure for a Learners Permit in Colorado
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $3,853
Ford Escape XLS 4WD $3,862
Honda CR-V EX-L 2WD $3,891
Volkswagen Jetta S 2.5 Station Wagon $4,126
Hyundai Elantra SE Touring Station Wagon $4,134
Toyota Prius $4,162
Ford Edge SE 2WD $4,296
Jeep Wrangler Sahara 4WD 2-Dr $4,334
Ford Explorer Eddie Bauer 2WD $4,340
Ford Focus S 4-Dr Sedan $4,532
Honda Odyssey EX $4,541
Toyota RAV4 Limited 2WD $4,570
Jeep Grand Cherokee Laredo 4WD $4,580
Dodge Grand Caravan Hero $4,570
Toyota Tacoma Double Cab 4WD $4,578
Chevrolet Malibu LS $4,570
Chevrolet Impala LT $4,579
Ford F-150 Lariat Crew Cab 2WD $4,605
Toyota Camry XLE $4,805
Toyota Corolla S $4,813
Start Your Quote Go

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in zip code location which can affect rates considerably.

Looking at the numbers, you can expect vehicles like the Honda Accord, Ford Escape, and Honda CR-V should be the less-costly vehicles to insure for new drivers. Auto insurance rates will tend to be higher because of the fact that there is more liability risk for a learners permit, but in general those particular vehicles will most likely have the best rates available.

One of the more important considerations that help determine the price you pay for insurance is where you keep your car in Colorado. Cities with larger populations or higher claim trends like Denver, Aurora, and Ken Caryl likely pay more, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.

The information below lists the priciest cities in Colorado for a learners permit to buy an auto insurance policy in.

Colorado cities ranked by car insurance cost
Rank City Annual Premium
1 Denver $1,439
2 Pueblo $1,412
3 Aurora $1,403
4 Lakewood $1,365
5 Ken Caryl $1,326
6 Centennial $1,317
7 Colorado Springs $1,316
8 Commerce City $1,314
9 Littleton $1,293
10 Security-Widefield $1,291
11 Northglenn $1,290
12 Highlands Ranch $1,279
13 Brighton $1,273
14 Parker $1,270
15 Thornton $1,268
16 Castle Rock $1,261
17 Arvada $1,256
18 Westminster $1,234
19 Broomfield $1,203
20 Longmont $1,179
Compare Rates Now Go

Rates are estimated as the garaging address in Colorado can raise or lower auto insurance rates considerably.

Determining which company offers the cheapest car insurance rates for a learners permit in Colorado requires a tad more effort in order to find the most economical policy. Every car insurance company used slightly different criteria to establish rates, so let's examine the car insurance companies that tend to be cheaper in Colorado.

Compare Cheap Insurance Quotes in Colorado

Get a Free Quote and Save

Who has the cheapest car insurance in Colorado?
Rank Company Cost Per Year
1 The Hartford $859
2 Grange $987
3 USAA $999
4 Nationwide $1,121
5 GEICO $1,152
6 Auto-Owners $1,168
7 Travelers $1,171
8 State Farm $1,259
9 American Family $1,275
10 Progressive $1,322
11 Amica $1,353
12 California Casualty $1,444
13 Allied $1,497
14 Farmers $1,613
15 Colorado Farm Bureau $1,624
16 MetLife $1,885
17 Allstate $1,994
18 Encompass $2,253
19 Safeco $2,447
20 Titan $2,630
Quote Your Rates Go

The Hartford may have some of the lowest car insurance rates in Colorado at around $859 per year. Grange, USAA, Nationwide, and GEICO are also some of the most economical Colorado auto insurance companies.

As the rates illustrate above, if you currently buy coverage from Nationwide and switched to Grange, you could realize annual savings of approxmiately $134. Policyholders with GEICO could save as much as $165 a year, and Auto-Owners customers might reduce prices by as much as $181 a year.

To see if your current coverage is too expensive, click here to start your custom quote or quote rates from the companies below.

It's important to note that these rates are averages for all drivers and vehicles and are not factoring in a price surcharge for a learners permit. So the car insurance company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

Illustration showing the impact of accidents and violations

The best way to receive low car insurance prices in Colorado for new drivers is to drive safely and avoid accidents and traffic citations. The example below shows how traffic citations and at-fault claims drive up auto insurance rates for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of a car insurance policy in Colorado per year with no accidents and a clean driving record is $2,465. Receive two speeding tickets and the average cost jumps to $3,267, an increase of $802 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for a learners permit in Colorado increases to an average of $6,254. That's an increase of $3,789, or $316 per month, just for not driving carefully!

Finding the highest-rated auto insurance company can be rather challenging considering how many companies provide coverage in Colorado. The company ratings shown next can help you analyze which auto insurers to look at when comparing rate quotes. These rankings are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure are not factored into this list.

Best 15 Car Insurance Companies for a Learners Permit in Colorado
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Compare Rates Now Go

Data Source: Best Car Insurance Companies

The importance of comparing Colorado car insurance rates

Colorado car insurance rates are based on many factors that can increase the price you have to pay. Improving your credit rating, adding a teenager to your policy, or getting a ticket for running a stop sign may generate price changes that may make certain companies more affordable than others. In addition to those changes, insurance companies amend premium rates every year as an adjustment for underwriting gains or losses. Larger than normal claims may cause additional price hikes, while a better loss history can result in cheaper Colorado car insurance rates.

For example, the data below shows the cheapest car insurance in Colorado for a 45-year-old female driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on her current rating profile, The Hartford quotes the most affordable car insurance rates in Colorado at $850 a year. This is $728 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also make the list of the top five cheapest Colorado auto insurance companies.

Now we will give the driver from above a chargable accident, a lower credit rating, and a traffic ticket or two. Since each insurance company has a unique approach for filing rates in each state, getting updated rate quotes will most likely result in a substantially altered list of the cheapest companies as shown below.

Travelers now has the lowest price in Colorado with State Farm, American Family, Progressive, and Grange completing the list. This demonstrates why it is critical to compare rates when trying to get the most affordable car insurance rates for a learners permit.

Insurance prices are influenced by many different factors and can change substantially, so the lowest-price company when you last compared rates may now be one of the higher cost companies.

How to find cheaper insurance for a learners permit in Colorado

Here are some of the recommended penny-pinching suggestions that can help you quote low-cost auto insurance.

The last tip is extraordinarily crucial, as we stressed in the article above. Coverage prices vary considerably, so don't be tentative to switch to a new company if a lower-cost policy is available.

Staying with the same car insurance company is fine, but we do not recommend it if that stubbornness costs you big bucks every year. Now is a great time to compare prices and find cheaper insurance for a learners permit.