Boulder, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Boulder, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Boulder, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Boulder, CO Auto Insurance Rates
- Boulder, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Boulder, CO
- Multi Vehicle Insurance Savings in Boulder, CO
- How Credit Score Affects Car Insurance Rates in Boulder, CO
- How DUI Affects Auto Insurance Premiums in Boulder, CO
- How Driving Violations Affect Auto Insurance Rates in Boulder, CO
- Boulder, CO Auto Insurance Discounts on Anti Theft Feature
- Boulder, CO Auto Insurance Company Reviews
Boulder, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Boulder, CO with that of other cities in and around Boulder.
| Boulder | Paragon Estates | Louisville | Pine Brook Hill | Eldorado Springs | Seven Hills | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,049 | $2,202 | $1,945 | $2,199 | $2,157 | $1,827 |
Boulder, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Boulder, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Boulder | $1,902 | $1,607 |
| Valmont | $2,477 | $2,092 |
| Paragon Estates | $2,156 | $1,821 |
| Pine Brook Hill | $1,810 | $1,529 |
| Eldorado Springs | $2,544 | $2,149 |
| Gunbarrel | $1,910 | $1,613 |
| Louisville | $2,621 | $2,214 |
| Seven Hills | $1,882 | $1,589 |
Boulder, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Boulder, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,404 |
| 20 Years | $1,348 |
| 30 Years | $1,038 |
| 40 Years | $999 |
| 50 Years | $925 |
| 60 Years | $938 |
| 70 Years | $1,092 |
Boulder, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Boulder, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,783 | $315 |
| 3 Vehicles | $2,675 | $472 |
| 4 Vehicles | $3,567 | $629 |
Savings on 2 Vehicles bundle:$315
Savings on 3 Vehicles bundle:$472
Savings on 4 Vehicles bundle:$629
Boulder, CO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Boulder, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Boulder | $1,049 | $1,586 |
| Valmont | $2,666 | $4,030 |
| Paragon Estates | $2,202 | $3,328 |
| Pine Brook Hill | $2,199 | $3,324 |
| Eldorado Springs | $2,157 | $3,260 |
| Gunbarrel | $1,923 | $2,907 |
| Louisville | $1,945 | $2,940 |
| Seven Hills | $1,827 | $2,761 |
Boulder, CO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $900 |
| Excellent (740-799) | $1,027 |
| Good (670-739) | $1,093 |
| Average (580-669) | $1,426 |
| Poor (300-579) | $1,711 |
Boulder, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$46 | $1,095 |
| Driver's Failure In Showing Documents | +$102 | $1,151 |
| Driving With An Expired Registration | +$108 | $1,157 |
| Driving At A Considerably Slow Pace | +$228 | $1,277 |
| Using A Cellphone While Driving | +$240 | $1,289 |
| Running A Red Light | +$244 | $1,293 |
| Speeding | +$257 | $1,306 |
| Driving A Vehicle Without The Required Permission | +$326 | $1,375 |
| Driving With An Expired/Suspended License | +$707 | $1,756 |
Boulder, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,007 |
| Active Disabling Device | $1,007 |
| Tracking Device | $986 |
| Passive Disabling Device | $976 |
Latest Auto Insurance Reviews in Boulder, CO | Back to Top
UsaaUSAA has very good customer service. What I really like about them is they cater to veterans and military. I'm a veteran of the United States Marine Corps so they are great to work with.
UsaaUSAA is also our auto insurance company. They insure both our home and our car and our truck. The only thing they do not insure is our motorcycles.
AllstateCompared to other providers, the coverage was very sufficient in that we did not have to pay out of pocket for the remainder of our loan. Also helped set us up for a rental car while on the market for a new car.
Farmer's InsuranceThis insurance company cover $25k accident cover per occurrence and premium about $1900 per year to cover 2 cars with 2 drivers. Per accidents happen need to pay $1000.
UsaaI have always received helpful and fast customer service with USAA, and they always go out of their way to make sure I understand everything before hanging up.
UsaaUSAA is competitive in my state. Massachusetts is not the easiest place for insurance as it's under a lot of different regulations then most states.
Farmer's InsuranceI would recommend because I have received great service, the only I would request is to see if I qualify for any other discounts or decrease.
AaaThe policy is OK, didn't have any accedints yet! so until now it's ok, towing is fast and realable too, will see if I got an issue how it's covring..
UsaaThe app is unmatched - it is so slick and easy to use. The customer service department is so friendly and knowledgeable and always available to me.
National GeneralI do not like that insurance is required by law. It allows them to charge more for their service and make a lot of money off of hard working people.
ProgressiveI am very happy with the premium that progressives offers. It is very cheap compared to other companies. I pay $68 dollars a month, and I compared it to State Farm insurance and they were $92 a month.
ProgressiveI like the services and customer service that they provide. I also like the price that I pay and the ability to bundle services to save additional money. I also like their quick response when I had an issue and needed to put in a claim.
Esurancedifficult to make due date changes, but it is easy to make policy changes, so they even out. i haven't had any issues with esurance. i don't dislike anything about the company or my dealings with them.