Broomfield drivers pay an average of $2,161/year — $390 more than the national average. With 849 crashes per year and a 2.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $637/year.
(888) 217-6781Estimated full coverage auto insurance rates for Broomfield, CO from top carriers. Rates are adjusted for Broomfield's 849 annual crashes, 2.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $719 | $120/mo |
| GEICO | $821 | $137/mo |
| Progressive | $923 | $154/mo |
| American Family | $968 | $161/mo |
| State Farm | $1,008 | $168/mo |
Estimates based on 2026 rate filings for ZIP 80020. USAA is cheapest at ~$120/mo. Actual rates vary by driver profile and exact Broomfield location.
These Broomfield-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Broomfield, CO. Takes under 2 minutes.
(888) 217-6781With 74,112 residents, Broomfield is a growing community in Colorado where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hailstorms, blizzards, ice, mountain driving hazards and commuter corridors still influence premiums. Broomfield drivers often find rates slightly below the Colorado state average.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Broomfield can swing your premium by hundreds of dollars. Here's how rates compare across Broomfield neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80032 | Broomfield South Side | $2,009/yr | $167/mo |
| 80021 | Broomfield North Side | $2,107/yr | $176/mo |
| 80032 | Broomfield West Side | $2,126/yr | $177/mo |
| 80030 | Broomfield East Side | $2,232/yr | $186/mo |
| 80020 | Broomfield Downtown/Central | $2,340/yr | $195/mo |
The cheapest ZIP is 80032 (Broomfield South Side) at $2,009/yr. The most expensive is 80020 (Broomfield Downtown/Central) at $2,340/yr — a $331/year difference for the same driver.
Your Broomfield ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Broomfield. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,538/yr | $378/mo | +110% vs avg |
| Young Adult (20-25) | $3,025/yr | $252/mo | +40% vs avg |
| Adult (26-35) | $2,161/yr | $180/mo | 0% vs avg |
| Mid-Career (36-50) | $1,902/yr | $159/mo | -12% vs avg |
| Senior (51-65) | $1,794/yr | $150/mo | -17% vs avg |
| 65+ | $1,923/yr | $160/mo | -11% vs avg |
Teens in Broomfield pay an average of $4,538/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,794/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Broomfield drivers can save up to $637/year. ZIP 80032 (Broomfield South Side) has the lowest rates starting at $2,009/yr.
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