Boulder, CO Car Insurance

The average cost for car insurance in Boulder is about $54 a month. To learn more about what you're likely to pay in the Boulder area, read our guide below.
How much can residents of Boulder expect to pay for their car insurance? How do rates in Boulder measure up compared to neighboring areas, including Colorado as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Boulder?

Area Average Monthly Car Insurance Premium
Boulder$54
CO$71
United States$80

The cost of coverage in Boulder is about $17 a month cheaper than it is for the rest of Colorado.

Drivers relocating from out of state may enjoy some cost savings in Boulder. It's about $26 cheaper to insure your vehicle in Boulder compared to the average rate for the United States as a whole.

While these numbers are the average rates for auto insurance in Boulder, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

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. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$81
25-34$47
35-44$43
45-54Not Enough Data
55-64$47
65+$44

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Boulder may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$53

In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly auto insurance coverage, the difference in Boulder is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$100
1 Ticket$98
Multiple Tickets$84

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Boulder, a driving record with a single accident will usually get you a rate around $63 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$51
4-5 Years$51
6-7 Years$52
8-10 Years$61
11-14 Years$52
15 Years or Older$52

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Boulder, with drivers paying around $51 per month for auto insurance.

Car owners, on the other hand, usually pay around $55 a month, while truck and van drivers can expect to pay about $56 per month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. 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)$54
Married$57
Divorced$47
Widowed$42

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Boulder.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$60
Live with parents$75

One other element taken into consideration is your living accommodations. Renters can expect to pay around $12 a month more than homeowners in Boulder. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you 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

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for car insurance in Boulder decreased from 2016-2018, when they hit a low of $48. This shifted in 2019, when insurance rates started to rise. They reached a high of $62 in 2020, and finished down in 2021, at $59 a month.

How does Boulder compare to neighboring areas?

Why are car insurance rates in Boulder different from other areas?

There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Road Safety (frequency of local car accidents)
  • Total amount of drivers in the community
  • Regional regulations
  • Crime
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

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 to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Boulder.

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Boulder Insurance FAQs

What factors affect car insurance quotes in Boulder?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Boulder different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Boulder?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Boulder?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Boulder or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes