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Cheap Car Insurance in Boulder, Colorado

Illustration of van driving by Freeway Insurance headquarters

If you’re in search of cheap car insurance in Boulder Colorado, you’ve come to the right place. Whether you are looking for minimum liability coverage or another car insurance coverage, it’s essential to find a reliable insurance provider that offers the coverage you need at a competitive price.

With awe-inspiring views of the Rocky Mountains and located just 30 miles away from Denver, the city of Boulder offers an eclectic mix of recreation, natural beauty, and a thriving arts scene. Its nature-friendly topography boasts more than 200 miles of hiking and biking trails along with 40,000+ acres of open space.

On the art side, Boulder excels with more than 30 art galleries and nationally renowned festivals like the Colorado Shakespeare Festival and the Chautauqua Summer Series. Prefer to immerse yourself in history? 

The Museum of Natural History in Boulder has more than 4 million art pieces, well known for its impressive anthropology section. What about a hip downtown scene? Boulder also offers that with Pearl Street, one of its main outdoor promenades with quaint food and shopping areas.

All Colorado drivers are required to carry auto insurance. For more information on car insurance in Boulder Colorado, keep reading below.

Quick Facts

  • Boulder is a thriving tech hub named “America’s Startup Capital” and “America’s Startup City” by Inc. Magazine.
  • The University of Colorado Boulder has produced more than 15 NASA astronauts.
  • Boulder has more than 150 miles of trails and 50+ urban parks.
  • Boulder’s Vision Zero is a transportation safety program that reduces traffic collisions through data and thoughtful urban planning projects.

How Much Does Auto Insurance Cost in Boulder, CO?

Boulder drivers pay an average monthly rate of $146 for full coverage car insurance. Compared to the national average ($138) and the state average ($168), it’s a good deal. Drivers in Boulder paying for the minimum state-required liability insurance pay a monthly average of $48. That’s only slightly higher than the national average ($40) and a little higher than the state ($43).

Insurance companies look at collective accident and personal injury lawsuit claims when they determine premiums for an area. After that, they look at individual factors to arrive at your unique premium. For the average monthly premium paid in nearby cities, check out our breakdown below:

City Full Coverage Insurance Liability Insurance Coverage
Boulder $146 $48
Aurora $193 $62
Colorado Springs $174 $51
Denver $187 $63
Fort Collins $143 $46

Boulder, CO Affordable Car Insurance Rates by Zip Code

Drivers who live in Boulder pay a little less in monthly auto insurance than the average Colorado driver, but the amount can differ from neighborhood to neighborhood.

For the average monthly premium paid by Boulder residents, sorted by zip code, check out our breakdown below:

Zip Code Full Coverage Insurance Liability Insurance Coverage
80301 $146 $48
80302 $157 $50
80303 $151 $51
80304 $152 $50
80305 $150 $50
80309 $157 $49
80310 $153 $50

Low-Cost Boulder Auto Insurance Rates by Age

Age is a significant factor in determining the cost of car insurance. It’s no secret that younger drivers pay significantly higher premiums than older demographics due to a riskier profile, higher number of moving violations, and the lack of driving history.

For the average monthly premium paid by Boulder residents, sorted by age, check out our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $579 $212
20s $173 $57
30s $153 $50
40s $152 $49
50s $142 $47
60s $145 $49
70s $152 $53

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Boulder, Colorado

How Many Fatal Accidents Happen in Boulder?

In 2020, there were three fatal crashes with four people killed. One of those crashes, which killed two people, involved impaired driving. In 2019, there were two fatal road traffic accidents in Boulder. Of these, six vehicles were involved resulting in two fatalities.

How Are the Road Infrastructure and Bridges in Boulder?

The city of Boulder has a robust Public Works department responsible for resource conversation, road maintenance, transportation engineering, and other projects designed to preserve property values and enhance the quality of life for all residents.

Recent Public Works projects in the city of Boulder include construction work on the 30th and Colorado Underpass, a key intersection, plant upgrades to the Betasso Water Treatment Plant, and bike/pedestrian facility improvements. It also boosts Vision Zero installations with new crosswalks and curb extensions to reduce traffic.

For more information on Boulder County’s infrastructure projects, visit

Get a Quote for Car Insurance in Colorado Today!

Minimum Car Insurance Requirements in Boulder, CO

All residents who drive in Colorado must have the required minimum liability insurance mandated by law. Drivers are free to increase those liability insurance limits and/or choose to carry full coverage for more protection. Full coverage consists of liability, plus collision insurance and comprehensive insurance.

Here are the minimum coverage options set by Colorado law:

  • Bodily Injury Liability per Person: $25,000
  • Bodily Injury Liability per Accident: $50,000
  • Property Damage Liability Per Accident: $15,000

What Are the Penalties for Driving Without Insurance in Boulder, Colorado?

All Boulder drivers caught driving without insurance will be served a class 1 misdemeanor citation and must pay a minimum fine of at least $500 with a driver’s license/registration suspension and up to 40 hours of community service.

Subsequent offenders see fines increasing to at least $1,000 with the same number of community service hours. They may also face up to a year in jail.

On top of fines, community service hours, and driver’s license/registration suspension, Boulder drivers caught driving without insurance can also expect to file an SR-22 certificate for three years. An SR-22 certification provides proof of financial responsibility and lets the state know you are carrying the minimum required car insurance.

Factors that Affect Rates

The two main factors that affect your auto insurance rate are your age and driving history. However, other factors that your insurance company may take into consideration include:

  • Credit score
  • Education
  • Occupation
  • Marital status
  • Number of miles driven annually

A change to one or more of these factors may result in a lower or higher premium.

Discounts for Vehicle Insurance in Boulder, CO

All Boulder drivers can enjoy discounts on car insurance – you just have to ask your agent. Discounts belong in one of several categories, awarding drivers for policy attributes (e.g., bundling), vehicle safety (e.g., anti-lock brakes), and low mileage (less than 7,500 miles per year).

Some car insurance discounts available to Boulder drivers include:

  • Green icon of a green car

    Vehicle safety discount

  • Money in hand icon

    Continuously insured discount

  • Graphic of a man driving a car

    Driver education

  • Blue icon of a graduation cap

    Good student discounts

To take advantage of savings, be sure to call your insurance carrier every six months to one year. Life circumstances, such as switching to an older vehicle or bundling your auto and homeowners policy, happen all the time, necessitating an open line of communication.

If you believe you are eligible for a car insurance discount, call your insurance carrier.

Get a Quote for Low-Cost Insurance Online in Boulder, Colorado Today!

Early spring at the Pearl Street Mall in Boulder, Colorado

To get behind the wheel in Boulder, Colorado, you will need an active auto insurance policy with the minimum required liability coverage.

Freeway Insurance is on deck to help you find the best affordable coverage for you and your family. To learn more, request a car insurance quote online, visit a Boulder office near you or call 800-777-5620 for a no-obligation quote.