Its combination of low prices and good customer service make it the best auto insurance company in the country. Rates are also more expensive in cities, and car insurance in Denver is 13% more expensive than the state average. State Farm has the best cheap car insurance in Colorado for drivers with a speeding ticket, accident, or DUI. Causing a car accident often increases rates more than a speeding ticket because insurers see it as a greater risk.
As a result, Colorado drivers with bad credit pay 77% more for car insurance than drivers with good credit scores. Colorado car insurance quotes are expensive due to the state's extreme weather conditions and densely populated cities.