For foreigners, one of the largest factors that are used to help calculate auto insurance rates is where your residence is in Colorado. Areas with increased crime or more people like Denver, Pueblo, and Commerce City are more likely to have higher rates, whereas less populated areas benefit from lower rates.

The table below rates the highest-priced places in Colorado for immigrants in which to purchase auto insurance.

Colorado cities ranked by car insurance cost
Rank City Annual Premium
1 Denver $1,439
2 Aurora $1,417
3 Pueblo $1,412
4 Lakewood $1,365
5 Commerce City $1,354
6 Security-Widefield $1,330
7 Northglenn $1,329
8 Centennial $1,317
9 Littleton $1,293
10 Colorado Springs $1,290
11 Ken Caryl $1,287
12 Brighton $1,285
13 Thornton $1,268
14 Arvada $1,256
15 Castle Rock $1,248
16 Westminster $1,246
17 Highlands Ranch $1,241
18 Parker $1,233
19 Longmont $1,179
20 Broomfield $1,167
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Rates are estimated as the specific garaging location can modify insurance rates considerably.

The vehicle driven is one of the primary factors when comparing cheaper insurance for immigrants. Vehicles with limited top-end speed, an excellent safety record, or a track record of few liability claims will cost less to insure than high performance models. The next table features coverage premiums for the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure for Immigrants in Colorado
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $860
Honda CR-V EX 2WD $866
Dodge Grand Caravan SXT $1,032
Toyota Tacoma Double Cab 4WD $1,042
Ford F-150 STX Super Cab 2WD $1,080
Jeep Grand Cherokee Limited 4WD $1,085
GMC Sierra 2500HD SLE Crew Cab 4WD $1,094
Volkswagen Jetta SE 4-Dr Sedan $1,085
Nissan Rogue SL 2WD $1,087
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,106
GMC Sierra 3500HD SLE Regular Cab 2WD $1,116
Ford Focus SES 2-Dr Coupe $1,139
Ford Escape Limited 4WD $1,143
Honda Accord EX-L 4-Dr Sedan $1,152
Ford Fusion Sport AWD 4-Dr Sedan $1,158
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in Colorado location which can raise or lower coverage prices substantially.

Based upon these rates, you can presume that models like the Hyundai Elantra, Honda CR-V, Dodge Grand Caravan, and Toyota Tacoma will be the less-costly vehicles to insure for foreigners.

Deciphering which companies offer the best car insurance rates for immigrants in Colorado takes a tad more effort thank just comparing rates from one or two companies. Each auto insurance company has a different formula for determining prices, so to begin we'll rank the overall cheapest car insurance companies in Colorado.

Cheap Insurance Rates for Migrants

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Rankings for the cheapest Colorado auto insurance companies
Rank Company Cost Per Year
1 The Hartford $850
2 Grange $978
3 USAA $1,009
4 Nationwide $1,109
5 GEICO $1,152
6 Auto-Owners $1,204
7 Travelers $1,219
8 State Farm $1,259
9 American Family $1,275
10 Amica $1,340
11 Progressive $1,362
12 Allied $1,439
13 California Casualty $1,458
14 Farmers $1,581
15 Colorado Farm Bureau $1,592
16 MetLife $1,866
17 Allstate $2,076
18 Encompass $2,231
19 Safeco $2,447
20 Titan $2,711
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The Hartford generally has some of the cheapest car insurance rates in Colorado at around $850 annually. Grange, USAA, Nationwide, and GEICO also make the cut as some of the cheaper Colorado auto insurance companies.

In the rate table above, if you have coverage with USAA and switched to The Hartford, you may see yearly savings of about $159. Insureds with Nationwide may save as much as $259 a year, and GEICO customers might see rate reductions of $302 a year.

Bear in mind that those rates are averaged for all insureds and vehicles and and are not calculated with a price discount for immigrants. So the auto insurance company that is best for you may not even be in the top 21 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

The example below illustrates how your choice of deductibles can influence insurance premiums when researching cheap insurance for immigrants in Colorado. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

As shown above, a 40-year-old driver could cut expenses by $324 a year by changing from a $100 deductible up to a $500 deductible, or save $488 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save as much as $802 or more by choosing a higher deductible. When raising deductibles, it will be required to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Get discounts on Colorado insurance

Auto insurance companies that sell policies for immigrants may also give you price discounts that could lower prices by as much as 30% if you meet specific eligibility requirements. A few popular companies and the discounts they provide include:

The illustration below illustrates the difference between auto insurance rates with and without discounts. The price estimates are based on a female driver, no accidents, no driving violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, multiple policy, defensive driving course, safe-driver, marriage, and vehicle safety discounts applied. With discounts applied, the average amount saved each year on car insurance for immigrants is 28% or $662.

Drive responsibly or pay higher rates

The easiest method to snag low car insurance premiums in Colorado for foreigners is to be a careful driver and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and fender-benders can influence car insurance rates for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

In the previous example, the average cost of auto insurance in Colorado per year with no accidents and a clean driving record is $1,933. Factor in two speeding tickets and the average cost increases to $2,601, an increase of $668 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for immigrants in Colorado increases to an average of $3,267. That's an increase of $1,334, or $111 per month, just for not maintaining a clean driving record!

How to find more affordable insurance for immigrants in Colorado

It's not impossible to find cheaper rates, and here are some thrifty solutions that can help you locate cheap car insurance.

That last tip is notably valuable, as was emphasized in this piece. Car insurance prices can be modified anytime, so don't be afraid to buy from a different company if a better deal can be had.

Having a favorite company is great, but it isn't a good idea if it's costing you a small fortune. Take a few minutes and compare prices to find cheaper auto insurance for immigrants.