Cheap Car Insurance in Colorado for 2023

American National offers the cheapest car insurance in Colorado, with an average monthly rate of $70 for full coverage.
Andrew Marder
By Andrew Marder 
Edited by Lacie Glover

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Nerdy takeaways
  • The cheapest car insurance in Colorado is American National, with an average monthly rate of $70 for full coverage.

  • The average cost of car insurance in Colorado is $225 per month for full coverage.

  • The best way to get cheap car insurance is to shop around and compare quotes from multiple insurers.

Nerdy takeaways
  • The cheapest car insurance in Colorado is American National, with an average monthly rate of $70 for full coverage.

  • The average cost of car insurance in Colorado is $225 per month for full coverage.

  • The best way to get cheap car insurance is to shop around and compare quotes from multiple insurers.

Auto insurance is an important purchase, but finding cheap car insurance in Colorado isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Colorado is American National at $842 per year on average, or $70 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Colorado. Meanwhile, the average cost of full coverage car insurance in Colorado is $2,698 per year, or about $225 per month.

Minimum coverage in Colorado is $636 per year on average, but we found you can likely get a cheaper policy. For example, American National offers the cheapest rates in Colorado at $165 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Looking for the cheapest car insurance in your city? NerdWallet analyzed auto insurance rates in some of the largest Colorado cities, including:

How we chose the cheapest companies in Colorado

NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in Colorado and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Colorado. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Colorado where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap car insurance in Colorado for 20-year-olds

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Colorado for 20-year-olds

Drivers in Colorado with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. American National: $1,526 per year, or about $127 per month.

  2. Colorado Farm Bureau: $2,317 per year, or about $193 per month.

  3. American Family: $2,897 per year, or about $241 per month.

  4. State Farm: $2,958 per year, or about $246 per month.

  5. Auto-Owners: $3,668 per year, or about $306 per month.

Cheapest minimum coverage car insurance in Colorado for 20-year-olds

Drivers in Colorado who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. American National: $373 per year, or about $31 per month.

  2. Colorado Farm Bureau: $639 per year, or about $53 per month.

  3. State Farm: $909 per year, or about $76 per month.

  4. California Casualty: $951 per year, or about $79 per month.

  5. Geico: $1,032 per year, or about $86 per month.

Cheapest auto insurance in Colorado for 20-year-olds with poor credit

Drivers with poor credit in Colorado should look at the following insurers with the lowest average rates for minimum coverage:

  1. Colorado Farm Bureau: $1,156 per year, or about $96 per month.

  2. American National: $1,253 per year, or about $104 per month.

  3. Geico: $1,352 per year, or about $113 per month.

  4. California Casualty: $1,610 per year, or about $134 per month.

  5. Grange Insurance Association: $1,640 per year, or about $137 per month.

Cheapest auto insurance in Colorado for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $452 per year, or about $38 per month.

  2. Colorado Farm Bureau: $847 per year, or about $71 per month.

  3. State Farm: $1,056 per year, or about $88 per month.

  4. Geico: $1,196 per year, or about $100 per month.

  5. Auto-Owners: $1,259 per year, or about $105 per month.

Cheapest auto insurance in Colorado for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $565 per year, or about $47 per month.

  2. Colorado Farm Bureau: $807 per year, or about $67 per month.

  3. State Farm: $1,281 per year, or about $107 per month.

  4. California Casualty: $1,488 per year, or about $124 per month.

  5. Geico: $1,572 per year, or about $131 per month.

Cheapest auto insurance in Colorado for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. American National: $610 per year, or about $51 per month.

  2. Colorado Farm Bureau: $948 per year, or about $79 per month.

  3. State Farm: $1,603 per year, or about $134 per month.

  4. Progressive: $1,675 per year, or about $140 per month.

  5. Geico: $1,768 per year, or about $147 per month.

Cheap car insurance in Colorado for 30-year-olds

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Colorado for 30-year-olds

Drivers in Colorado who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $875 per year, or about $73 per month.

  2. State Farm: $1,387 per year, or about $116 per month.

  3. Colorado Farm Bureau: $1,704 per year, or about $142 per month.

  4. California Casualty: $1,890 per year, or about $158 per month.

  5. Auto-Owners: $1,957 per year, or about $163 per month.

Cheapest minimum coverage car insurance in Colorado for 30-year-olds

Drivers in Colorado who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $169 per year, or about $14 per month.

  2. California Casualty: $291 per year, or about $24 per month.

  3. Grange Insurance Association: $303 per year, or about $25 per month.

  4. Colorado Farm Bureau: $338 per year, or about $28 per month.

  5. State Farm: $345 per year, or about $29 per month.

Cheapest auto insurance in Colorado for 30-year-olds with poor credit

Drivers with poor credit in Colorado should consider the following companies with the lowest average rates for full coverage:

  1. Grange Insurance Association: $2,674 per year, or about $223 per month.

  2. State Farm: $2,700 per year, or about $225 per month.

  3. American National: $2,943 per year, or about $245 per month.

  4. Geico: $2,988 per year, or about $249 per month.

  5. California Casualty: $3,201 per year, or about $267 per month.

Cheapest auto insurance in Colorado for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $204 per year, or about $17 per month.

  2. Grange Insurance Association: $370 per year, or about $31 per month.

  3. State Farm: $401 per year, or about $33 per month.

  4. California Casualty: $408 per year, or about $34 per month.

  5. Colorado Farm Bureau: $448 per year, or about $37 per month.

Cheapest auto insurance in Colorado for 30-year-old drivers with one at-fault crash

For drivers in Colorado with a recent accident, here are the lowest average rate options for full coverage:

  1. American National: $1,144 per year, or about $95 per month.

  2. State Farm: $1,801 per year, or about $150 per month.

  3. Colorado Farm Bureau: $2,060 per year, or about $172 per month.

  4. American Family: $2,343 per year, or about $195 per month.

  5. Grange Insurance Association: $2,662 per year, or about $222 per month.

Cheapest auto insurance in Colorado for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American National: $1,208 per year, or about $101 per month.

  2. Colorado Farm Bureau: $2,025 per year, or about $169 per month.

  3. State Farm: $2,113 per year, or about $176 per month.

  4. American Family: $2,285 per year, or about $190 per month.

  5. California Casualty: $3,143 per year, or about $262 per month.

Cheap car insurance in Colorado for 40-year-olds

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Colorado for 40-year-olds

Drivers in Colorado with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. American National: $789 per year, or about $66 per month.

  2. State Farm: $1,345 per year, or about $112 per month.

  3. Colorado Farm Bureau: $1,472 per year, or about $123 per month.

  4. American Family: $1,801 per year, or about $150 per month.

  5. Auto-Owners: $1,912 per year, or about $159 per month.

Cheapest minimum coverage car insurance in Colorado for 40-year-olds

Drivers in Colorado who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. American National: $160 per year, or about $13 per month.

  2. Colorado Farm Bureau: $243 per year, or about $20 per month.

  3. Grange Insurance Association: $330 per year, or about $28 per month.

  4. State Farm: $350 per year, or about $29 per month.

  5. California Casualty: $373 per year, or about $31 per month.

Cheapest auto insurance in Colorado for 40-year-olds with poor credit

Drivers with poor credit in Colorado can check out the following insurers with the lowest average rates for full coverage:

  1. State Farm: $2,615 per year, or about $218 per month.

  2. American National: $2,652 per year, or about $221 per month.

  3. Grange Insurance Association: $2,873 per year, or about $239 per month.

  4. Geico: $2,927 per year, or about $244 per month.

  5. Colorado Farm Bureau: $2,942 per year, or about $245 per month.

Cheapest auto insurance in Colorado for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $194 per year, or about $16 per month.

  2. Colorado Farm Bureau: $322 per year, or about $27 per month.

  3. Grange Insurance Association: $402 per year, or about $34 per month.

  4. State Farm: $406 per year, or about $34 per month.

  5. Auto-Owners: $476 per year, or about $40 per month.

Cheapest auto insurance in Colorado for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Colorado, here are the companies with the lowest average rates for full coverage:

  1. American National: $1,020 per year, or about $85 per month.

  2. State Farm: $1,751 per year, or about $146 per month.

  3. Colorado Farm Bureau: $1,760 per year, or about $147 per month.

  4. American Family: $2,063 per year, or about $172 per month.

  5. Auto-Owners: $2,731 per year, or about $228 per month.

Cheapest auto insurance in Colorado for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American National: $1,075 per year, or about $90 per month.

  2. Colorado Farm Bureau: $1,711 per year, or about $143 per month.

  3. American Family: $2,016 per year, or about $168 per month.

  4. State Farm: $2,053 per year, or about $171 per month.

  5. Progressive: $2,977 per year, or about $248 per month.

Cheap car insurance in Colorado for 50-year-olds

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Colorado for 50-year-olds

Drivers in Colorado with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. American National: $765 per year, or about $64 per month.

  2. State Farm: $1,300 per year, or about $108 per month.

  3. Colorado Farm Bureau: $1,413 per year, or about $118 per month.

  4. American Family: $1,646 per year, or about $137 per month.

  5. Auto-Owners: $1,821 per year, or about $152 per month.

Cheapest minimum coverage car insurance in Colorado for 50-year-olds

Drivers in Colorado who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. American National: $150 per year, or about $12 per month.

  2. Colorado Farm Bureau: $231 per year, or about $19 per month.

  3. Grange Insurance Association: $290 per year, or about $24 per month.

  4. State Farm: $344 per year, or about $29 per month.

  5. California Casualty: $369 per year, or about $31 per month.

Cheapest auto insurance in Colorado for 50-year-olds with poor credit

Drivers with poor credit in Colorado can check with the following companies, which showed the lowest average rates for full coverage:

  1. State Farm: $2,520 per year, or about $210 per month.

  2. Grange Insurance Association: $2,563 per year, or about $214 per month.

  3. American National: $2,571 per year, or about $214 per month.

  4. Geico: $2,764 per year, or about $230 per month.

  5. American Family: $2,800 per year, or about $233 per month.

Cheapest auto insurance in Colorado for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $181 per year, or about $15 per month.

  2. Colorado Farm Bureau: $306 per year, or about $26 per month.

  3. Grange Insurance Association: $354 per year, or about $30 per month.

  4. State Farm: $400 per year, or about $33 per month.

  5. Auto-Owners: $439 per year, or about $37 per month.

Cheapest auto insurance in Colorado for 50-year-old drivers with one at-fault crash

For drivers living in Colorado with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American National: $986 per year, or about $82 per month.

  2. Colorado Farm Bureau: $1,683 per year, or about $140 per month.

  3. State Farm: $1,693 per year, or about $141 per month.

  4. American Family: $1,882 per year, or about $157 per month.

  5. Grange Insurance Association: $2,551 per year, or about $213 per month.

Cheapest auto insurance in Colorado for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. American National: $1,038 per year, or about $86 per month.

  2. Colorado Farm Bureau: $1,636 per year, or about $136 per month.

  3. American Family: $1,840 per year, or about $153 per month.

  4. State Farm: $1,988 per year, or about $166 per month.

  5. Progressive: $2,768 per year, or about $231 per month.

Cheap car insurance in Colorado for 60-year-olds

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Colorado for 60-year-olds

Drivers in Colorado with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $688 per year, or about $57 per month.

  2. State Farm: $1,205 per year, or about $100 per month.

  3. Colorado Farm Bureau: $1,486 per year, or about $124 per month.

  4. American Family: $1,609 per year, or about $134 per month.

  5. Auto-Owners: $1,749 per year, or about $146 per month.

Cheapest minimum coverage car insurance in Colorado for 60-year-olds

Drivers in Colorado who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $145 per year, or about $12 per month.

  2. Colorado Farm Bureau: $280 per year, or about $23 per month.

  3. Grange Insurance Association: $298 per year, or about $25 per month.

  4. State Farm: $318 per year, or about $26 per month.

  5. California Casualty: $334 per year, or about $28 per month.

Cheapest auto insurance in Colorado for 60-year-olds with poor credit

Drivers with poor credit in Colorado can look at the following companies with the lowest average rates for full coverage:

  1. American National: $2,313 per year, or about $193 per month.

  2. State Farm: $2,321 per year, or about $193 per month.

  3. Grange Insurance Association: $2,635 per year, or about $220 per month.

  4. Geico: $2,737 per year, or about $228 per month.

  5. American Family: $2,748 per year, or about $229 per month.

Cheapest auto insurance in Colorado for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $175 per year, or about $15 per month.

  2. Grange Insurance Association: $364 per year, or about $30 per month.

  3. State Farm: $370 per year, or about $31 per month.

  4. Colorado Farm Bureau: $372 per year, or about $31 per month.

  5. Auto-Owners: $429 per year, or about $36 per month.

Cheapest auto insurance in Colorado for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Colorado, here are the companies with the lowest average rates for full coverage:

  1. American National: $894 per year, or about $74 per month.

  2. State Farm: $1,570 per year, or about $131 per month.

  3. Colorado Farm Bureau: $1,776 per year, or about $148 per month.

  4. American Family: $1,840 per year, or about $153 per month.

  5. Auto-Owners: $2,490 per year, or about $208 per month.

Cheapest auto insurance in Colorado for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $942 per year, or about $78 per month.

  2. Colorado Farm Bureau: $1,741 per year, or about $145 per month.

  3. American Family: $1,798 per year, or about $150 per month.

  4. State Farm: $1,846 per year, or about $154 per month.

  5. Progressive: $2,681 per year, or about $223 per month.

Cheap car insurance in Colorado for 70-year-olds

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Colorado for 70-year-olds

Drivers in Colorado with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $757 per year, or about $63 per month.

  2. State Farm: $1,245 per year, or about $104 per month.

  3. American Family: $1,646 per year, or about $137 per month.

  4. Colorado Farm Bureau: $1,744 per year, or about $145 per month.

  5. California Casualty: $1,843 per year, or about $154 per month.

Cheapest minimum coverage car insurance in Colorado for 70-year-olds

Drivers in Colorado who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $199 per year, or about $17 per month.

  2. Grange Insurance Association: $339 per year, or about $28 per month.

  3. State Farm: $344 per year, or about $29 per month.

  4. California Casualty: $382 per year, or about $32 per month.

  5. Colorado Farm Bureau: $426 per year, or about $36 per month.

Cheapest auto insurance in Colorado for 70-year-olds with poor credit

Drivers with poor credit in Colorado can look at the following companies with the lowest average rates for full coverage:

  1. State Farm: $2,410 per year, or about $201 per month.

  2. American National: $2,547 per year, or about $212 per month.

  3. American Family: $2,811 per year, or about $234 per month.

  4. Geico: $2,948 per year, or about $246 per month.

  5. Grange Insurance Association: $2,973 per year, or about $248 per month.

Cheapest auto insurance in Colorado for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Colorado, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $241 per year, or about $20 per month.

  2. State Farm: $399 per year, or about $33 per month.

  3. Grange Insurance Association: $414 per year, or about $34 per month.

  4. Auto-Owners: $537 per year, or about $45 per month.

  5. California Casualty: $562 per year, or about $47 per month.

Cheapest auto insurance in Colorado for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Colorado, here are the companies with the lowest average rates for full coverage:

  1. American National: $1,010 per year, or about $84 per month.

  2. State Farm: $1,634 per year, or about $136 per month.

  3. American Family: $1,903 per year, or about $159 per month.

  4. Colorado Farm Bureau: $2,105 per year, or about $175 per month.

  5. California Casualty: $2,815 per year, or about $235 per month.

Cheapest auto insurance in Colorado for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $1,069 per year, or about $89 per month.

  2. American Family: $1,852 per year, or about $154 per month.

  3. State Farm: $1,932 per year, or about $161 per month.

  4. Colorado Farm Bureau: $2,101 per year, or about $175 per month.

  5. Progressive: $3,108 per year, or about $259 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 69 of the 70 driver profiles we examined.

Minimum auto insurance limits required in Colorado

Colorado drivers are required to carry liability insurance, which helps pay for others' injuries or property damage if you're responsible for a crash.

The minimum coverage levels you must buy in Colorado are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

But it’s often best to buy more than the bare minimum to avoid being left vulnerable to lawsuits or major accident bills. You also want to consider other coverage types such as collision and comprehensive, which pay for damage to or theft of your own car.

Check out NerdWallet's guide to state car insurance requirements.

Alternative car insurance in Colorado

Colorado drivers who can’t get coverage on the open market because of past crashes or other factors can apply for coverage through the Colorado Motor Vehicle Plan.

For more help finding Colorado car insurance at the most competitive price, try NerdWallet’s comparison shopping tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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