It's hard to avoid all the captivating ads from car insurance companies like Allstate and The General guaranteeing dirt cheap rates, so drivers should just pick the company with the catchiest ad, right?

It's just not that easy, however, as there are a ton of unknown factors like how much you actually drive in a year, if you have ever let your coverage lapse, whether you just want liability only, and any tickets or violations, that all help calculate your car insurance rates. The information below covers the best ways to avoid paying too much and will give you a solid foundation to find cheaper car insurance for imperfect drivers.

For bad drivers, one of the big considerations that aid in calculating auto insurance rates is where you live. Areas with a lot of weather claims or more people like Pueblo, Aurora, and Northglenn tend to have more expensive car insurance rates, whereas areas with less congestion benefit from lower coverage costs.

The illustration below rates the most expensive areas in Colorado for drivers with a bad driving record to purchase a policy in.

Most expensive Colorado cities for auto insurance
Rank City Premium Per Year
1 Pueblo $1,455
2 Denver $1,425
3 Aurora $1,403
4 Security-Widefield $1,330
5 Northglenn $1,329
6 Lakewood $1,324
7 Centennial $1,317
8 Commerce City $1,314
9 Arvada $1,308
10 Brighton $1,285
11 Thornton $1,281
12 Colorado Springs $1,277
13 Ken Caryl $1,274
14 Parker $1,270
15 Littleton $1,254
16 Castle Rock $1,248
17 Westminster $1,246
18 Highlands Ranch $1,241
19 Boulder $1,195
20 Longmont $1,179
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Rate quotes are approximated as the specific geographic location can lower or raise insurance rates significantly.

The type of vehicle you are trying to insure is one of the largest factors that determines whether or not you find low-cost car insurance for drivers with a bad driving record. Vehicles with higher performance, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than more economical and safe models.

The next table estimates car insurance costs for some of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure for Drivers with a Bad Driving Record in Colorado
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $3,096
Ford Escape XLS 4WD $3,191
Honda CR-V LX 4WD $3,224
Toyota Prius $3,475
Volkswagen Jetta 2.0T Station Wagon $3,502
Ford Edge SE 2WD $3,569
Ford F-150 XLT Crew Cab 2WD $3,607
Jeep Grand Cherokee Laredo 2WD $3,670
Dodge Grand Caravan Hero $3,680
Toyota Tacoma Double Cab 4WD $3,706
Chevrolet Malibu Hybrid $3,781
Toyota RAV4 2WD $3,786
Ford Explorer Limited 4WD $3,821
Honda Odyssey EX-L W/Rear Entertainment $3,838
GMC Sierra SLE Crew Cab 4WD $3,874
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $3,881
Nissan Altima Hybrid 4-Dr Sedan $3,874
GMC Sierra 3500HD SLE Crew Cab 2WD $3,910
Ford Focus SES 4-Dr Sedan $3,918
Honda Civic LX 4-Dr Sedan $3,941
Chevrolet Impala LTZ $3,956
Toyota Camry SE $3,983
Chevrolet Equinox LTZ AWD $3,996
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Data based on single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Prices do not factor in garaging location in Colorado which can influence price quotes considerably.

Looking at the numbers, you can infer that makes and models like the Hyundai Elantra, Ford Escape, and Honda CR-V will be a few of the less-costly vehicles to insure for bad drivers. Rates will be higher anyway because there is more exposure for drivers with a bad driving record, but generally speaking those makes and models will most likely have the best insurance prices compared to other vehicles.

Determining which company offers the lowest-priced auto insurance rates for drivers with a bad driving record in Colorado may require a tad more effort than just picking a company at random. Each insurance company has a proprietary method to set policy rates, so we'll take a look at the auto insurance companies with the overall cheapest rates in Colorado.

Find Cheaper Auto Insurance for Imperfect Drivers

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Colorado car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $859
2 Grange $987
3 USAA $1,009
4 Nationwide $1,121
5 Auto-Owners $1,168
6 GEICO $1,176
7 State Farm $1,209
8 Travelers $1,219
9 American Family $1,262
10 Progressive $1,322
11 Amica $1,381
12 Allied $1,497
13 California Casualty $1,502
14 Farmers $1,565
15 Colorado Farm Bureau $1,624
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,231
19 Safeco $2,447
20 Titan $2,657
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The Hartford offers some of the cheapest car insurance rates in Colorado at around $859 each year. Grange, USAA, Nationwide, and Auto-Owners also are some of the lowest-priced Colorado insurance companies.

In the rate table above, if you buy coverage from Nationwide and switched to The Hartford, you may realize savings of in the neighborhood of $262. Insureds with Auto-Owners might save as much as $309 a year, and GEICO policyholders might realize rate reductions of up to $317 a year.

It's important to note that these premiums are averaged across all types of insureds and vehicles and and are not figured with a rate increase for drivers with a bad driving record. So the company that has the cheapest rates for you may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.

The diagram below illustrates how your deductible choice can affect insurance premiums when searching for cheap insurance for drivers with a bad driving record in Colorado. The rates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

As shown above, a 50-year-old driver could lower their policy premium by $376 a year by changing from a $100 deductible up to a $500 deductible, or save $566 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could possibly save up to $966 every year just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough in a savings account to offset the extra out-of-pocket expense that is associated with using high deductibles.

Buying coverage from the highest-rated insurance company can be challenging considering how many companies sell insurance in Colorado. The company ratings displayed below could help you analyze which providers you want to consider buying from.

The rankings below are for companies that write coverage in many states, so companies that only write business in Colorado or surrounding areas will not be included in this list. To compare prices and find the cheapest rates for drivers with a bad driving record, click this link.

Top 10 Large 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

Ideas for finding the cheapest insurance for drivers with a bad driving record

It's not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help you get lower-cost auto insurance.

The last tip is remarkably crucial, as was noted in this article. Insurance rates change frequently, so drivers shouldn't be reluctant to switch to a new company if you find a cheaper price.

Many drivers prefer to stick with one company, but it's not a good idea if that devotedness results in you overpaying a lot of money. If you have a few minutes, compare prices and find cheaper auto insurance for drivers with a bad driving record.