Best cheap car insurance in Boulder for 2021

2019 saw the following:5,573 car accidentsReports from Boulder County, Colorado. Boulder’s law requires all drivers to have car insurance. An auto policy can help you protect your finances. Boulder’s average car insurance cost is $1,861 annually for full coverage insurance. $545 per annum for minimal coverage insurance.American Family, USAA and State Farm are some of the most affordable car insurance providers in the city.

Drivers in Boulder have the option of choosing from a variety of car insurance companies. To find the best car insurance in Boulder, Bankrate’s insurance editorial team evaluated the largest car insurance companies in Colorado using criteria like average premiums, coverage options, discounts, policy features and third-party rankings.

Boulder’s best car insurance companies

Our evaluation has shown that American Family, USAA State Farm, Geico and Geico are the top-rated car insurance companies in Boulder.These companies were chosen because of their affordable rates, generous discounts, and strong third-party ratings.

Geico

Geico is one of the cheapest car insurance companies in Boulder, with rates that are well below the citywide average. Geico is a good option for drivers looking for basic coverage but on a tight budget. Geico offers discounts for safe drivers, good students, military personnel, federal workers, affinity groups, and vehicles with advanced safety features.

USAA

Only active duty, retired military service members or immediate family members can purchase coverage through USAA for Boulder residents. USAA has some of the best car insurance coverage available. They offer great customer service, affordable rates, and great discounts. Boulder residents can save money with USAA by having their vehicle garaged on a military base or being a legacy customer. They also have the option of insuring a new vehicle and being a safe driver.

State Farm

State Farm is the most popular car insurance company in Boulder. State Farm has limited options for car insurance, but offers a wide range of discounts. Two safe driver rewards programs are offered by the company, one for young drivers under 25, and one for older drivers. Bundling your policies can help drivers save money, make no claims and insure a vehicle with safety features.

American Family

According to J.D., American Family was the top-rated insurer in Southwest for customer satisfaction. This includes Colorado. Power. The company is known for its low rates, great discounts, and wide range of endorsements that allow for custom coverage. Boulder residents can buy roadside assistance, accidental loss and dismemberment, and gap coverage to customize their policies.

Boulder has the lowest car insurance

Boulder’s average annual car insurance rate for full coverage is $1,861 and $545 respectively.The following is a comparison:Average cost of car insuranceColorado’s minimum coverage is $518 per year and full coverage costs $2,016 per year. Colorado’s average annual car insurance premium is $518 per annum. The average car insurance premium in the United States is $1,674 annually for full coverage and $565 annually for minimum coverage.

The insurance company that you choose will affect the car insurance rate. Every driver will pay a different rate depending on their driving record, age, and vehicle type. These carriers may offer affordable Boulder car insurance.

The providers in the table above are some of the cheapest car insurance companies in Colorado. You may also want to compare insurance companies based on other factors than price.

Geico might appeal to drivers who are looking for low rates and mobile apps. However, military personnel might prefer the USAA’s specialized coverages or discounts. Local agents might be better suited for drivers who are looking for a local agent. Understanding your needs and comparing quotes can help find the right policy for you.

Boulder insurance requirements

Drivers in Boulder must meet or exceed Colorado’s minimum car insurance requirements, which are abbreviated as 25/50/15. These are the minimum coverage limits:

  • $25,000 bodily injury coverage per individual
  • $50,000 per accident bodily injury coverage
  • $15,000 in property damage coverage per accident

To keep costs down, drivers who are looking for a low rate might opt to buy a minimum coverage policy. If you have the funds, insurance experts recommend that you purchase higher liability limits. You would be responsible for any excess damages or injuries you cause to another person. Higher liability limits provide greater financial protection.

Leasing or financing your vehicle may also require that you have full coverage insurance. This is until the loan is repaid. Full coverage policies include comprehensive and collision coverages.

Boulder offers car insurance discounts

Many Colorado car insurance companies offer discounts to drivers in order to lower their premiums. While the exact savings vary between providers, some common ones are:

  • Multi-policy Discount:You may be eligible for a discount if you buy an auto, home, condo, or renters insurance policy from one company.
  • Good student discount:A lower rate of car insurance is often available for drivers under 25 with a good GPA.
  • Safe vehicle discount:You might be eligible for a lower rate if your car has safety features such as anti-lock brakes, anti-theft devices, or airbags.
  • New vehicle discount:Sometimes, you can get a discount on your premium by insuring a vehicle new to you.

Car insurance discounts can help save you money but every discount offers different savings possibilities. Compare insurers to find the best rate.

Questions frequently asked

Which is the best auto insurance company?

The best car insurance company is different for every driver, because every driver has different insurance needs. You will find the best provider for you if they meet your requirements, including your budget and what coverages are necessary.

Boulder: How much do I need to insure my car?

Boulder drivers must have at least 25/50/15 personal auto insurance. Most insurance professionals recommend that drivers increase their coverage or buy a full coverage policy to add protection. Working with a licensed agent might help you determine how much car insurance you need, including which coverages and what levels to purchase.

Do I have to purchase full coverage in Boulder

Although full coverage is not required by law for most vehicles, you will need it if your vehicle is subject to a loan or lease. If you own a high-end vehicle or have limited funds to repair it yourself, you may want full coverage.