Who has the cheapest car insurance for drivers under 25 in Colorado? In 182 real quotes our agents ran for Colorado drivers under 25 in 2026, Mendota had the lowest median at $142/month (minimum coverage), then Bristol West ($194), Progressive ($206), National General ($266), Dairyland ($289), and The General ($342). Young drivers pay about 40 percent more than drivers 25 to 39 with the same carriers. Full table below.
Cheapest Car Insurance for Drivers Under 25 in Colorado: 182 Real Quotes Compared
Mendota · Bristol West · Progressive · National General · Dairyland · The General
Under 25 is the most expensive age band every carrier prices, but the gap between carriers for the same young driver is bigger than the age penalty itself. These are the medians from the quotes we actually ran for Colorado drivers under 25 this year, next to how the same carriers price older drivers.
Medians of real quotes our licensed agents ran in 2026. Different drivers were quoted with different carriers, so these are population comparisons, not the same driver priced twice. Your rate will vary.
Cheapest for young drivers in Colorado, by situation
Minimum coverage, own policy
Mendota ($142/mo median, 12 quotes) and Bristol West ($194/mo, 29 quotes) were the lowest for young drivers buying liability-only on their own.
Full coverage or a financed first car
Progressive ($206/mo median across 91 young-driver quotes, the most of any carrier) with the Snapshot telematics discount is usually the answer. National General ($266/mo) is the fallback when Progressive declines.
Still on a parent’s policy
Almost always cheaper than any number on this page. Adding a driver under 25 to a parent’s Progressive or Bristol West policy typically costs less than half of a standalone policy, and multi-car and good-student discounts stack on top.
Colorado median monthly premium by carrier, drivers under 25 in context
Median monthly premium by driver segment, from 1,614 real quotes our agents ran for Colorado drivers from January through May 2026, including 182 drivers under 25. Lowest median in each row is highlighted. Segments with fewer than 8 quotes for a carrier are marked “too few” rather than shown.
| Driver segment | Mendota | Bristol West | Progressive | National General | Dairyland | The General |
|---|---|---|---|---|---|---|
| All quotes | $93/mo 55 quotes · avg $125 | $221/mo 366 quotes · avg $240 | $147/mo 619 quotes · avg $178 | $244/mo 248 quotes · avg $295 | $166/mo 89 quotes · avg $250 | $91/mo 68 quotes · avg $162 |
| Liability only | $89/mo 39 quotes · avg $96 | $129/mo 133 quotes · avg $148 | $82/mo 272 quotes · avg $100 | $120/mo 99 quotes · avg $136 | $117/mo 49 quotes · avg $136 | $80/mo 50 quotes · avg $96 |
| Full coverage | $186/mo 12 quotes · avg $238 | $264/mo 226 quotes · avg $299 | $219/mo 326 quotes · avg $244 | $331/mo 141 quotes · avg $411 | $348/mo 37 quotes · avg $325 | $272/mo 18 quotes · avg $344 |
| Clean record (no accidents, tickets, or DUI) | $95/mo 37 quotes · avg $107 | $221/mo 310 quotes · avg $244 | $145/mo 499 quotes · avg $175 | $253/mo 185 quotes · avg $309 | $147/mo 80 quotes · avg $233 | $88/mo 63 quotes · avg $159 |
| Accidents, tickets, or DUI on record | $93/mo 18 quotes · avg $162 | $209/mo 56 quotes · avg $219 | $172/mo 120 quotes · avg $193 | $199/mo 63 quotes · avg $253 | $269/mo 9 quotes · avg $399 | too few (5 quotes) |
| SR22 filing required | $89/mo 13 quotes · avg $93 | $298/mo 11 quotes · avg $275 | $99/mo 37 quotes · avg $132 | $105/mo 24 quotes · avg $131 | $140/mo 14 quotes · avg $158 | $73/mo 9 quotes · avg $75 |
| No prior insurance | $91/mo 46 quotes · avg $117 | $151/mo 130 quotes · avg $174 | $123/mo 344 quotes · avg $153 | $160/mo 119 quotes · avg $230 | $134/mo 46 quotes · avg $246 | $86/mo 53 quotes · avg $152 |
| Currently insured | $144/mo 9 quotes · avg $169 | $262/mo 236 quotes · avg $276 | $202/mo 275 quotes · avg $209 | $324/mo 129 quotes · avg $354 | $184/mo 43 quotes · avg $255 | $215/mo 15 quotes · avg $194 |
| Drivers under 25 | $142/mo 12 quotes · avg $164 | $194/mo 29 quotes · avg $232 | $206/mo 91 quotes · avg $239 | $266/mo 27 quotes · avg $300 | $289/mo 10 quotes · avg $308 | $342/mo 13 quotes · avg $397 |
| Drivers 25 to 39 | $89/mo 20 quotes · avg $125 | $199/mo 129 quotes · avg $221 | $138/mo 222 quotes · avg $170 | $244/mo 119 quotes · avg $279 | $163/mo 40 quotes · avg $235 | $86/mo 28 quotes · avg $117 |
| Drivers 40 to 59 | $89/mo 16 quotes · avg $105 | $221/mo 142 quotes · avg $243 | $140/mo 199 quotes · avg $166 | $258/mo 63 quotes · avg $331 | $127/mo 26 quotes · avg $190 | $84/mo 20 quotes · avg $104 |
| Drivers 60 and over | too few (1 quotes) | $236/mo 51 quotes · avg $276 | $141/mo 55 quotes · avg $165 | $325/mo 19 quotes · avg $402 | $66/mo 9 quotes · avg $114 | too few (3 quotes) |
Quotes are what carriers offered, not what every driver bought. “Clean record” means zero accidents, zero violations, and no DUI in the quote. Age bands use the primary driver’s age. How we collect quote data →
Where each carrier came out cheapest
- Mendota had the lowest median for: full coverage, accidents, tickets, or dui on record, currently insured, drivers under 25.
- Bristol West did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Progressive did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- National General did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Dairyland had the lowest median for: drivers 60 and over.
- The General had the lowest median for: all quotes, liability only, clean record (no accidents, tickets, or dui), sr22 filing required, no prior insurance, drivers 25 to 39, drivers 40 to 59.
Compare the “Drivers under 25” row with “Drivers 25 to 39”: Progressive charges young drivers $206 versus $138, National General $266 versus $244, and The General $342 versus $86. Bristol West’s young-driver penalty is the smallest of the group ($194 versus $199), which is why it wins so many 18 to 24 year olds even though it loses the overall median. Mendota’s low number is minimum coverage only; it rarely writes full coverage for young drivers.
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What else separates them
Mendota
Lowest young-driver median in our data, but minimum liability only. Best for a paid-off older car and a tight budget.
Bristol West
Smallest under-25 penalty of any carrier we quote. Strong for young drivers on their own policy and for drivers with a lapse.
Progressive
Most young-driver quotes (91). Snapshot telematics can cut a careful young driver’s rate 10 to 30 percent after the first term. Writes full coverage.
National General
Mid-priced fallback with wide acceptance; bundles with its home products for families.
Dairyland
Monthly pay plans and SR22 for young drivers with an early violation.
The General
Cheap for older drivers on liability, but the highest young-driver median in our Colorado data.
Colorado Young Driver Questions
Colorado Young Driver Questions
6 QuestionsWhat is the cheapest car insurance for a 21 year old in Colorado?
In our 2026 quotes, Mendota ($142/month median) and Bristol West ($194/month) for a standalone minimum-coverage policy, and Progressive ($206/month) when full coverage is needed. Staying on a parent’s policy is usually cheaper than all three.
Is it cheaper to stay on my parents’ insurance in Colorado?
Almost always, as long as you live at the same address or are a full-time student. Multi-car, multi-driver, and good-student discounts stack, and the household’s clean history helps your rate. We quote it both ways so you can see the difference.
Does a good-student discount really help?
Yes. Most carriers give 5 to 15 percent for a B average or better, through age 24 or 25. Bring a transcript or report card when you quote.
Does Progressive Snapshot lower rates for young drivers?
It can, meaningfully. Snapshot tracks braking, phone use, and late-night driving; careful young drivers commonly see 10 to 30 percent off at the first renewal. It can also raise the rate for risky driving, so we explain the trade-off before you enroll.
When does car insurance get cheaper in Colorado?
Rates usually drop at 25, again around 30, and with each year of clean driving. A three-year clean record is the single biggest lever after age. We re-shop at every renewal at no charge so the drop actually reaches you.
Are these rates what I will pay?
No. They are medians of real quotes for many different young drivers. Your ZIP code, vehicle, coverage, and whether you are on a parent’s policy will move your rate. The table tells you which carriers to compare first.
How this comparison was built
Every number on this page comes from quotes our licensed agents ran for Colorado drivers between January and May 2026 (1,614 quotes across these six carriers, of which 182 were for a primary driver under 25), stored in our first-party quote dataset. A quote is what the carrier offered; it is not a policy sold. Medians are used so a few very high-risk quotes do not distort the picture. Different drivers were quoted with different carriers, so this is a population comparison. Segments with fewer than 8 quotes for a carrier are shown as “too few.” Full methodology: How we collect quote data.
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Related Guides
- Young Drivers Insurance Guide
- Car Insurance for New Drivers
- Progressive vs Bristol West in Colorado
- Cheapest SR22 Insurance in Colorado
- Colorado Car Insurance Guide
- Denver Car Insurance Rates
- Bristol West Insurance Review
Last Updated on by Shawn Christie