Buying low-cost auto insurance is easier said than done, and finding out which company offers the lowest-priced insurance rates for 4x4 vehicles in Colorado will require more quotes for comparison. Each company has their own guidelines for determining rates, so let's begin by examining the insurance companies that tend to have lower prices in Colorado.

It's important that you understand Colorado insurance rates are impacted by many factors which can substantially change the price of your policy. Simply getting older, becoming a homeowner, or getting a few speeding tickets can cause premium changes that can now make some companies more expensive than others.

Find the Cheapest Car Insurance for 4x4's

Compare Rates Now

The Hartford normally has some of the best car insurance rates in Colorado at around $825 a year. Grange, USAA, Nationwide, and GEICO would also make the list of some of the more affordable Colorado auto insurance companies.

As the example above demonstrates, if you are a policyholder with Nationwide and switched to The Hartford, you could earn yearly savings of around $284. Insureds with GEICO might save as much as $316 a year, and Travelers policyholders might cut rates by $358 a year.

If you want to find out if you're overpaying, click here or feel free to get quotes from the companies below.

Remember that these premiums are averages for all types of insureds and vehicles and are not factoring in a price discount for 4x4 vehicles. So the insurer that has the lowest price for you may not even be in the list above. That emphasizes why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The make and model of vehicle you are buying coverage for is a large consideration that determines whether or not you find the cheapest coverage for 4x4 vehicles. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost substantially less to insure than high performance models. The next list outlines coverage costs for a handful of the most affordable automobiles to insure in Colorado.

Cheapest Vehicles to Insure for 4x4 Vehicles in Colorado
Vehicle Estimated Cost for Full Coverage
Ford F-150 XL Super Cab 2WD $942
Ford Edge SEL AWD $994
Honda Odyssey EX W/Rear Entertainment $999
Jeep Grand Cherokee Laredo 4WD $1,013
Toyota RAV4 2WD $1,019
Honda CR-V LX 2WD $1,051
Ford Escape Limited 2WD $1,076
Chevrolet Malibu LTZ $1,085
Ford Explorer Eddie Bauer 2WD $1,101
Honda Accord LX-S 2-Dr Coupe $1,139
Chevrolet Equinox LS 2WD $1,162
Nissan Altima 2.5 4-Dr Sedan $1,170
Toyota Prius $1,169
Dodge Grand Caravan SE $1,177
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,182
Dodge Ram Crew Cab TRX 4WD $1,179
Hyundai Elantra SE 4-Dr Sedan $1,223
Toyota Corolla XLE $1,232
Toyota Camry LE $1,244
Volkswagen Jetta S 4-Dr Sedan $1,252
GMC Sierra SLE Crew Cab 2WD $1,244
Chevrolet Impala LT $1,249
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,270
Compare Rates Now Go

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 homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can impact premium rates noticeably.

Looking at the data, vehicles like the Ford F-150, Ford Edge, Honda Odyssey, and Jeep Grand Cherokee will definitely be some of the most budget-friendly vehicles to insure for off-road vehicles.

One of the many things that determine the cost of insurance is where you choose to live. More populated areas like Denver, Pueblo, and Security-Widefield tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The following table rates the most costly cities in Colorado for 4x4 vehicles to buy auto insurance in.

Car insurance prices in Colorado
Rank City Premium Per Year
1 Denver $1,425
2 Aurora $1,417
3 Pueblo $1,397
4 Commerce City $1,368
5 Security-Widefield $1,343
6 Lakewood $1,324
7 Colorado Springs $1,316
8 Northglenn $1,303
9 Arvada $1,295
10 Littleton $1,293
11 Centennial $1,278
12 Ken Caryl $1,274
13 Brighton $1,273
14 Thornton $1,268
15 Parker $1,257
16 Castle Rock $1,248
17 Westminster $1,246
18 Highlands Ranch $1,229
19 Boulder $1,195
20 Longmont $1,179
21 Broomfield $1,179
22 Greeley $1,144
23 Grand Junction $1,132
24 Fort Collins $1,100
25 Loveland $1,096
Compare Prices Now Go

Rate quotes are approximated as the garaging address in Colorado can alter coverage prices substantially.

Discounts on Colorado insurance rates

Insurers that offer coverage for 4x4 vehicles may also give you special discounts that can reduce rates by as much as 40% or more if you are eligible for them. Popular insurance companies and some of the premium reductions they offer are outlined below.

The information below illustrates the difference between premium costs with and without discounts applied to the rates. The data is based on a female driver, no claims or violations, Colorado state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, anti-theft, multiple policy, defensive driving course, safe-driver, and passive restraint discounts applied. In this example, the average amount saved each year on insurance for 4x4 vehicles is 28% or $437.

Impact of careless driving on Colorado insurance rates

The ideal way to obtain the cheapest insurance prices in Colorado for off-road vehicles is to pay attention while driving and avoid tickets and accidents. The information below illustrates how speeding tickets and at-fault claims increase insurance costs for each different age group. The data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied.

The data above shows the average cost of a car insurance policy in Colorado per year with no accidents and a clean driving record is $1,423. Add in one speeding ticket and the average cost rises to $1,657, an increase of $234 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for 4x4 vehicles in Colorado increases to an average of $3,672. That's an increase of $2,249, or $187 per month, just for not being more responsible behind the wheel!

The diagram below illustrates how your deductible choice can affect premium costs when getting quotes for cheap insurance for 4x4 vehicles in Colorado. The data is based on a single female driver, full coverage, and no discounts are applied.

As shown above, a 50-year-old driver could lower their policy premium by $388 a year by changing from a $100 deductible up to a $500 deductible, or save $586 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices as much as $990 every year by choosing larger deductibles on their policy.

If you do make the decision to raise your deductibles, it is important to have plenty of discretionary funds to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

How to find budget-friendly insurance for 4x4 vehicles

Here are some of the better thrifty solutions that can help drivers find cheap car insurance.

The last tip is particularly vital, as was stressed in this piece. Auto insurance rates vary greatly, so don't be hesitant to change to a new company if you find a cheaper price.

Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing a small fortune year after year. In just a couple of minutes you could compare rates to find cheaper insurance for 4x4 vehicles.