Cheapest Auto Insurance in Broomfield, Colorado (2025)

Drivers in Broomfield pay an average of $151 per month for car insurance, which is a bit lower than the national average of $143 and the Colorado state average of $148.

Located between Boulder and Denver, Broomfield has a smaller population than its urban counterparts, which may account for its lower frequency of traffic accidents and cheaper average insurance rates.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Broomfield.

3 of the cheapest car insurance companies in Broomfield

The best auto insurer for you will depend on your budget, insurance needs, and driver profile. Beyond comparing costs between companies, you should also pay attention to customer satisfaction, online customer reviews, coverage offerings, discount availability, and more.

Start your search for cheap car insurance with three of the best car insurance companies in Broomfield. The average rates provided below reflect statewide insurance costs in Colorado.

Best insurer for cheap rates: State Farm

Best insurer for military families: USAA

Best insurer for teen drivers: American Family

How to get the cheapest car insurance in Broomfield

Though average car insurance premiums are below average in Broomfield, you can still find ways to save. Use the following strategies to save even more:

• Raise your deductible. Choosing a higher deductible is a good idea if you can afford to pay it in the event of an accident. Increasing your deductible will decrease your monthly premiums.

• Take advantage of discounts. Many auto insurance companies offer discounts for teens, safe drivers, and policyholders who bundle their car insurance with homeowners insurance, renters insurance, or life insurance. Talk to your insurance agent to see what you qualify for.

• Choose the right vehicle. A sedan with a strong safety record is typically cheaper to insure than a flashy sports car. Consider a vehicle’s safety features and reliability carefully before purchasing it.

• Shop around and compare quotes. Accessing quotes from multiple car insurance companies and comparing them side by side can help you find an auto policy that fits your budget.3

Cheapest liability-only car insurance in Broomfield: Progressive

When you cause an accident, liability-only insurance covers the other driver’s resulting medical bills and vehicle repair costs. Liability insurance doesn’t cover your own repairs or injuries.4 Liability-only insurance in Broomfield costs $100 per month, on average.

Explore the table below to see which car insurance companies in Broomfield offer the lowest average rates for liability-only insurance.

Cheapest full-coverage car insurance in Broomfield: State Farm

Full-coverage insurance is more robust than liability-only insurance. After an accident, a full-coverage policy covers the other driver’s repairs and medical expenses, as well as repairs to your own vehicle.

Drivers of newer, more expensive cars can often particularly benefit from full coverage. If you have an auto loan or lease, your lender will likely require you to purchase this type of policy.

The average cost of full-coverage car insurance in Broomfield is $202 per month. Here are the cheapest car insurance companies for full-coverage insurance in the city.

Car insurance requirements in Colorado

Colorado drivers must carry a minimum amount of liability insurance, including bodily injury and property damage liability insurance. Colorado is an at-fault state, which means the driver who causes an accident must cover the other party’s damage and injury through their liability insurance policy.

Here are the specific coverage amounts drivers in the state must purchase:5

Because liability insurance doesn’t cover your own vehicle, you should consider purchasing additional coverage. Here are some of the most common optional insurance products for you to consider:

Cheapest car insurance for drivers with an incident

Having incidents like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents on your record can result in higher car insurance rates. These incidents cause car insurance companies to view you as a higher-risk driver. To offset these risks, insurers charge higher monthly premiums.

Broomfield drivers with a past incident pay $113 per month for liability insurance, on average. The severity and frequency of your incidents will affect how much you pay for coverage.

Here are the cheapest coverage options in Broomfield for drivers with incidents on their records, broken down by incident.

Average cost of car insurance by age

Your age is one of the most significant rating factors car insurance companies use to determine your rates.

Young drivers pay the highest average rates. Teen drivers have less driving experience and a higher frequency of serious car accidents, which is why they have higher rates. Average rates tend to decrease steadily for drivers between ages 35 and 70, before increasing again for drivers 70 and older due to aging-related risk factors.

The following table breaks down average monthly quotes in Broomfield by age.

Broomfield car insurance quotes by credit tier

Car insurance companies in Colorado can factor in credit-based insurance scores when determining your car insurance rates. Drivers with excellent or good credit scores pay lower average rates than drivers with poor credit scores. Insurers see drivers with good credit as more likely to pay premiums on time, resulting in lower rates.

The chart below shows average full-coverage insurance rates by credit tier in Broomfield:

Broomfield car insurance FAQs