Cheap car insurance in Colorado for 2025

Since young drivers, and especially teens, tend to have high average car insurance rates, it can be important to access any discounts offered. These may include a discount for students who carry a "B" or higher average in high school or college, and a discount for students on their parents' policy when they attend school more than 100 miles from home.

There are several potential discounts that reward drivers for safe habits. Drivers who file no claims for a set period of time — often three to five years — may earn a discount. A discount may also be earned by drivers who participate in their insurer's telematics program.

Some insurance providers will offer discounts if your car is equipped with safety features that are likely to reduce the risk of theft or damage during an accident. This can include car alarms, airbags and more.

These types of discounts may take several forms. For example, you could snag a discount if you have multiple types of insurance policies with the same company, or if you insure multiple cars. You may also be eligible for savings if you have been a policyholder with the same company for a certain number of years.

Some insurers offer discounts if you are a member of a particular organization or if you work for a particular company. You may also earn a discount if you are a member of the military, or if you are a teacher or first responder.

Insurers consider how many miles you drive each year, and the nature of your car use, when determining your rate. It may be worth it to notify your insurance company when your habits change. For instance, if you used to commute to a job but now work from home, you may be able to get a lower rate. Very low mileage drivers may want to consider usage-based programs, like pay-per-mile coverage.