Car Insurance with Bad Credit in Colorado (2026)
Quick Answer
Bad credit in Colorado increases car insurance by 59%, raising full coverage from $2,172/year to $3,453/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$181/mo
Poor Credit (1.59x)
$288/mo
Best Companies for Bad Credit in Colorado
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $213/mo | $2,555/yr | Military families |
| Erie Insurance | $227/mo | $2,728/yr | Rate lock guarantee |
| GEICO | $236/mo | $2,831/yr | Clean driving record |
| Progressive | $253/mo | $3,039/yr | Telematics savings |
| State Farm | $262/mo | $3,142/yr | Good students |
| Travelers | $273/mo | $3,280/yr | Multiple discounts |
| Nationwide | $299/mo | $3,591/yr | Bundling home + auto |
| Farmers | $311/mo | $3,729/yr | Signal telematics |
| Allstate | $322/mo | $3,867/yr | Accident forgiveness |
| Liberty Mutual | $340/mo | $4,075/yr | New car replacement |
USAACheapest
Monthly
$213/mo
Annual
$2,555/yr
Best for: Military families
Erie Insurance
Monthly
$227/mo
Annual
$2,728/yr
Best for: Rate lock guarantee
GEICO
Monthly
$236/mo
Annual
$2,831/yr
Best for: Clean driving record
Progressive
Monthly
$253/mo
Annual
$3,039/yr
Best for: Telematics savings
State Farm
Monthly
$262/mo
Annual
$3,142/yr
Best for: Good students
Travelers
Monthly
$273/mo
Annual
$3,280/yr
Best for: Multiple discounts
Nationwide
Monthly
$299/mo
Annual
$3,591/yr
Best for: Bundling home + auto
Farmers
Monthly
$311/mo
Annual
$3,729/yr
Best for: Signal telematics
Allstate
Monthly
$322/mo
Annual
$3,867/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$340/mo
Annual
$4,075/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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