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How much is car insurance in Boulder?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $17 a month cheaper to insure your vehicle in Boulder than it is in the rest of Colorado.
Similarly, the expected monthly payments for an auto insurance policy in Boulder are below the national average. It's about $26 cheaper to insure your vehicle in Boulder compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Boulder, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Boulder so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Boulder.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Boulder, however, both pay the same monthly amount for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Boulder, a driving record with one accident will usually get you a rate around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $55.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$53|
In terms of affordable coverage, the cheapest vehicles to insure in Boulder are usually SUVs, at $52 per month.
Truck and van drivers will see rates of about $55, while the rates for car owners average out to about $56 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Boulder, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Boulder are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
One other element taken into consideration is your housing situation. In Boulder, homeowners can expect to pay around $12 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Boulder, CO
Recent trends in car insurance for Boulder drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The cost of insurance in Boulder went up from 2017-2018, when they reached a low of $48. This changed in 2019, when insurance rates began to increase. They hit a high of $65 in 2021, and finished down in 2022, at $57 per month.
How does Boulder compare to neighboring areas?
Why are car insurance rates in Boulder different from other areas?
Car insurance companies will take into account many factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Boulder?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Boulder in no time.
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Boulder Insurance FAQs
What factors affect car insurance quotes in Boulder?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Boulder different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Boulder?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Boulder?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Boulder or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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