Freedom Insurance Group helps Broomfield households compare auto coverage without the runaround. Request a quote online or call (800) 253-1482.
Broomfield, Colorado: average car insurance rates
Treat these numbers as illustrative estimates and averages; none of them is a guaranteed quote. The drivers and vehicles on the policy, plus the ZIP code, plus limits, deductibles, credit where allowed, and claims history, set the actual premium.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Broomfield, Colorado | $164.00 |
Cheapest car insurance companies in Broomfield, CO
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $144.11 |
| 2 | Allstate | $154.20 |
| 3 | National General 360 | $161.92 |
| 4 | Progressive | $167.55 |
| 5 | Safeco | $171.41 |
| 6 | Kemper BVP | $172.17 |
| 7 | Elephant | $173.75 |
| 8 | Bristol West | $176.60 |
| 9 | Travelers | $182.79 |
| 10 | Chubb | $191.47 |
Car Insurance Rates by Driver’s Age Group in Broomfield
Check Out Other Rates in Broomfield, CO Nearby Cities:
Auto coverage explained for Broomfield drivers
A serious injury claim or a newer financed vehicle rarely fits within minimum liability, even if Colorado law accepts the minimum. When you compare quotes in Broomfield, check each one against the outline below.
- Liability coverage (BI/PD): The part of the policy that compensates others after a crash you caused. Home equity, savings, or a long commute through dense traffic are good reasons to look at higher limits.
- Collision: If you hit another vehicle or an object, it covers repairs to your car, subject to your deductible.
- Comprehensive: Covers losses that are not crashes, such as theft, hail, cracked glass, and animal strikes, which matters in places with frequent severe weather.
- Uninsured & underinsured motorist: Protects you if the at-fault driver has little or no insurance. Check how UM/UIM works in your state before you decline it.
- PIP / medical payments: Availability and stacking depend on state rules, but the idea is simple: help with medical bills for you and passengers after an accident.
- Rental reimbursement: After a covered claim, while your car is being repaired, it helps pay for a rental.
- Roadside assistance: Added to the auto policy, it can cost less than a separate club membership and includes towing, battery, and lockout service.
- Higher liability limits & umbrella coordination: An umbrella carrier sets minimum underlying limits, so your auto limits need to match.
Financed or leased vehicles in Broomfield almost always must carry collision and comprehensive. If your car is older and paid off, we can model dropping collision only after you understand the out-of-pocket risk. Hail and glass deductibles merit a closer look in storm-prone ZIP codes.
What driving in Broomfield means for insurance
Broomfield is home to roughly 65,065 residents and sits in Jefferson County, part of the Denver metro area. The resident count is roughly 65,065. Hail, wind, and wildfire risk can shift Front Range premiums fast after active storm seasons.
Commuters in Broomfield often mix local arterials with highway stretches, so garaging ZIP and annual mileage both show up in underwriting. Local weather — especially hail, wildfire smoke days, and slick winter driving — also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. The car’s construction, the insurance score where allowed, prior claims, and the precise garaging address all move the quote, which is why two Broomfield neighbors driving similar cars can still pay different premiums.
If you are new to Denver metro, take a few minutes to confirm how you use the vehicle. A minor trim difference on the same model year counts for less than teen drivers, rideshare activity, or a highway-heavy commute. When you request a quote, tell us how the car is really driven so we can match carriers that price that profile sharply.
Safety features and ownership length interact with discounts more than many Broomfield drivers expect. One carrier may reward automatic emergency braking or anti-theft gear heavily while another barely does, and the same goes for continuous coverage. Rather than typing the same application into ten websites: let an independent agent translate those differences into a shortlist.
Have your current declarations pages ready; that small step saves time. An apples-to-apples comparison for Broomfield is quickest to build from limits, deductibles, and listed drivers. Look for lower liability limits, a missing comprehensive line, or a left-off household driver whenever a quote looks dramatically cheaper.
How to lower your car insurance rates in Broomfield
Comparing rates goes beyond the lowest binder price. Durable wins tend to come from getting liability limits right first, then comparing collision deductibles, and a market check every policy term.
- Compare at least several carriers each renewal. As storms and loss trends play out, appetite changes. Last year’s low bid in Broomfield may not lead today.
- Only bundle if the math works. Pairing home and auto can save, but verify the combined price, not just the auto line by itself. Start the process at /get-a-quote/auto-quote, and note any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,108.15, far above adult buckets near $107. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Choose telematics thoughtfully. Telematics programs may reward gentle acceleration and low overnight mileage, but night driving and hard braking can cancel the discount.
- Keep continuous coverage. Even a short gap often costs more than the months you skipped.
- List the real garaging address. If the car sleeps in Broomfield but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask for paperless, autopay, paid-in-full, and professional-affiliation discounts. Alone each credit is small; together they can move a competitive quote.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. Have those details ready to your Broomfield quote review so underwriting does not have to guess.
Discounts worth asking about in Broomfield
- Multi-policy — auto paired with home or renters.
- Multi-car credit — several vehicles insured with the same company.
- Claims-free / safe driver — a clean record usually prices better.
- Good student and driver training — useful once teens are rated.
- Usage-based / telematics — optional programs that reward safer habits.
- Autopay, paperless, and paid-in-full — small discounts that stack together.
- Anti-theft and safety features — varies by vehicle and carrier.
Discounts never replace shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Broomfield driver.
About Broomfield
Broomfield is home to roughly 65,065 residents and sits in Jefferson County, part of the Denver metro area.
Broomfield is located in the Denver metro area, and there everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Denver metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Hail, wind, and wildfire risk can shift Front Range premiums fast after active storm seasons.
Picking deductibles and limits around local weather
In Broomfield, choose the comprehensive deductible deliberately: hail, wildfire smoke days, and slick winter driving appear in regional loss data. Parking outside? Consider a lower glass deductible. To trim premium on a paid-off car, a higher comprehensive deductible may make sense when you have cash set aside.
Choose liability limits based on your assets and risk tolerance, not only the state minimum. Minimum limits can be exhausted quickly after a serious at-fault crash on a busy corridor near Broomfield. We will walk through scenarios so you are not buying numbers you do not understand.
Households with multiple cars or mixed driving records
Driver assignment matters in Broomfield homes with more than one car. The most expensive driver on the most expensive car is a common self-inflicted premium spike. Since no two companies rate household drivers the same way, we compare assignment options across carriers.
Recent tickets and minor accidents surface in underwriting, so do not hide one; shop markets that forgive that profile more readily. Independent agencies exist precisely so you are not stuck inside one company’s rules.
How Freedom Insurance Group helps Broomfield drivers
We do not invent AM Best ratings or pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Broomfield and the wider Denver metro area.
Phone (800) 253-1482, or open a free auto quote from your browser. If you also need homeowners coverage, you can begin on the home quote form and we will price bundling options without pressure.
Our conversation will cover drivers and vehicles, the garaging ZIP code, desired liability limits, and any claims lately. This page’s illustrative averages become a shortlist of bindable options for your household once we have those details.
Broomfield by the numbers: commuting, vehicles, and weather
Across about 31,760 households in Broomfield, 23% own at least three vehicles and 42% have two. Multi-car pricing and how drivers are assigned are therefore worth checking on most policies.
According to the Census Bureau’s 2020–2024 American Community Survey, the average one-way commute for Broomfield workers is about 25 minutes. Among workers, 58% drive alone, 7.1% carpool, and 30% work from home. Given the remote-work share, a stale commute on the policy is a common overcharge.
Census survey figures show about 76,304 residents in Broomfield on 33 square miles of land, roughly 2,315 people per square mile. The closest Colorado city with more than 100,000 residents is Westminster, about 5 miles to the south.
NOAA’s Storm Events Database lists 130 hail reports within about 7 miles of Broomfield from 2016 through 2025. The biggest hail reported was 3 inches near Superior in June 2018. That is large enough to break glass and heavily dent a car, a loss handled under comprehensive coverage. There were also 3 flash-flood reports nearby, the latest in August 2022; a flooded car is a comprehensive claim, not collision.
By the historical record, Broomfield was incorporated on June 6, 1961. Broomfield’s population went from 38,272 at the 2000 Census to 55,889 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 78,323. Growth since 2000 comes to roughly 105%. Federal tornado records from NOAA’s Storm Prediction Center list 25 tornadoes that began within 10 miles of Broomfield from 1950 through 2015, the strongest an F2 on June 3, 1981. NOAA ties that tornado to 42 injuries.
Looking at nearby towns? Nearby pages: Lafayette (4 mi), Northglenn (5 mi), and Louisville (5 mi).
ZIP codes in and near Broomfield that we insure
80038 · 80020 · 80021 · 80023
Other Colorado coverage
Auto insurance quotes in Broomfield, CO
For people in Broomfield, Freedom Insurance Group checks 25+ carriers. Phone (800) 253-1482, or open a free auto quote from your browser.
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