- The average cost of car insurance in Colorado is $2,337 a year or $195 per month, based on our data analysis.
- Minimum liability coverage in Colorado costs around $437 annually for limits of 25/50/15, while liability-only coverage costs $717 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Colorado, costing $1,445 per year.
- In Colorado, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 24%, a DUI raising rates by 52%, and an at-fault accident by up to 39%.
The cost of car insurance in Colorado varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,445 a year for full coverage.
This guide makes buying car insurance in Colorado easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Colorado works and how much coverage you need.
How much is car insurance in Colorado?
CarInsurance.com data found that drivers in Colorado pay $195 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Colorado based on driver profile:
- Teen drivers in Colorado pay the most — about $477 a month or $5,725 a year.
- Young drivers in their 20s pay an average of $290 monthly or $3,485 annually, for car insurance.
- Senior drivers pay around $196 monthly or $2,347 a year.
- A speeding ticket can increase your rates to $278 monthly or $3,339 annually.
- An at-fault accident increases car insurance rates to $288 a month or $3,459 a year.
- Poor credit drivers usually see their car insurance costs increase to $404 monthly or $4,842 annually.
Average cost of auto insurance in Colorado by coverage level
In Colorado, car insurance rates can differ depending on how much coverage you choose. Drivers in Colorado are required by law to have minimum insurance coverage limits of 25/50/15 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Colorado, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Colorado for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $36 | $437 |
| Liability Only – 50/100/50 BI/PD | $60 | $717 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $195 | $2,337 |
State minimum car insurance in Colorado
Colorado laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $15,000 for property damage liability.
In Colorado, you can get state minimum car insurance for $437 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Colorado must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Colorado
Liability-only car insurance costs $717 in Colorado for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Colorado
On average, premiums for full coverage car insurance in Colorado cost $2,337 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Colorado
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Colorado pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Colorado
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Colorado by car model
In Colorado, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Colorado.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Colorado
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Colorado drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,301 annually.
Car insurance for drivers aged 16-19 costs $3,424 more annually than Colorado drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,725 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,373 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,301 per year in Colorado.
- For senior drivers: Drivers age 65 and older can expect to pay $2,347 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Colorado
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Colorado, a DUI conviction lead to increased rates and you may see a rate hike of up to 52% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Colorado, be prepared for your car insurance rates to rise by up to 24% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 39% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Colorado for high-risk drivers
In Colorado, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Colorado
In Colorado, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Colorado by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Colorado, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $227 | $347 | $1,445 |
| Southern Farm Bureau | $228 | $441 | $1,780 |
| Kemper Insurance | $400 | $593 | $1,878 |
| State Farm | $387 | $538 | $1,950 |
| Allstate | $761 | $1,062 | $2,774 |
| Progressive | $404 | $675 | $2,796 |
| Auto-Owners | $400 | $688 | $2,874 |
| Farmers | $824 | $1,744 | $3,578 |
| Acuity Insurance | $582 | $781 | $3,769 |
| USAA | $283 | $427 | $1,559 |
Car insurance rates by city in Colorado
Cope is the most expensive city in Colorado, with an average car insurance rate of $2,729 a year. Fruita is the cheapest city for Colorado drivers at an average rate of $1,861 annually.
Car insurance rates vary by city in Colorado for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Colorado.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Colorado per month?
In Colorado, a full coverage car insurance policy with 100/300/100 limits typically costs about $195 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $36 |
| Liability Only – 50/100/50 BI/PD | $60 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $195 |
Final thoughts on choosing car insurance in Colorado
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Colorado. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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