In Colorado, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Colorado by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Colorado
The Mini Cooper Electric and Honda CR-V are the cheapest vehicles to insure in Colorado, closely followed by the Honda HR-V and Volkswagen Tiguan, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Colorado and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,222 |
| Honda CR-V | $1,227 |
| Honda HR-V | $1,228 |
| Volkswagen Tiguan | $1,252 |
| Hyundai Venue | $1,282 |
| Chevrolet TrailBlazer | $1,283 |
| Chevrolet Express | $1,296 |
| Honda Pilot | $1,314 |
| Acura RDX | $1,316 |
| Honda Odyssey | $1,319 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Colorado
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Colorado
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,395 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Versa, which costs $1,454, and the Volkswagen Jetta, which costs $1,454 to insure.
Below, you’ll find the most affordable sedans to insure in Colorado and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,395 |
| Nissan Versa | $1,454 |
| Volkswagen Jetta | $1,454 |
| Honda Civic Sedan | $1,483 |
| Nissan Sentra | $1,507 |
| Honda Accord | $1,515 |
| Volkswagen Jetta GLI | $1,527 |
| Toyota Corolla | $1,538 |
| Kia Forte | $1,540 |
| Toyota Camry | $1,573 |
| Hyundai Elantra | $1,591 |
| Chevrolet Malibu | $1,605 |
| Nissan Altima | $1,616 |
| Mazda 3 Sedan | $1,622 |
| Kia K5 | $1,649 |
| Mitsubishi Mirage G4 | $1,670 |
| Hyundai Sonata | $1,720 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Colorado
The Honda CR-V and Honda HR-V are the cheapest SUVs to insure in Colorado, with an average cost of $1,227 and $1,228 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $1,227 |
| Honda HR-V | $1,228 |
| Volkswagen Tiguan | $1,252 |
| Chevrolet TrailBlazer | $1,283 |
| Honda Pilot | $1,314 |
| Mazda CX-5 | $1,322 |
| Subaru Forester | $1,327 |
| Kia Sportage | $1,327 |
| Chevrolet Equinox | $1,329 |
| Hyundai Tucson | $1,331 |
| Toyota Corolla Cross | $1,333 |
| Hyundai Kona | $1,342 |
| Toyota RAV4 | $1,345 |
| Kia Seltos | $1,347 |
| Jeep Wrangler | $1,362 |
| Mazda CX-30 | $1,363 |
| Mini Cooper Countryman | $1,364 |
| Honda Passport | $1,368 |
| Volkswagen Taos | $1,375 |
| Subaru Crosstrek | $1,376 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Colorado
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,357.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,357 |
| Honda Civic Si | $1,574 |
| Chevrolet Camaro | $1,606 |
| Ford Mustang | $1,780 |
| Subaru BRZ | $1,935 |
| Toyota GR86 | $1,973 |
| BMW Z4 | $1,974 |
| Toyota GR Supra | $1,981 |
| Subaru WRX | $1,987 |
| Toyota GR Corolla | $2,002 |
| Honda Civic Type R | $2,075 |
| Porsche 718 Boxster | $2,086 |
| Chevrolet Camaro ZL1 | $2,092 |
| Chevrolet Corvette | $2,194 |
| Nissan Z | $2,308 |
| Porsche 718 Cayman | $2,322 |
| Chevrolet Corvette Z06 | $2,792 |
| Jaguar F-Type | $2,815 |
| Porsche 911 | $3,008 |
| Porsche 911 Turbo | $3,235 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Colorado
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,316, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Volvo XC40 at $1,448 and the Acura MDX at $1,483.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,316 |
| Volvo XC40 | $1,448 |
| Acura MDX | $1,483 |
| Cadillac XT4 | $1,516 |
| Audi Q3 | $1,528 |
| Cadillac XT5 | $1,559 |
| Lincoln Corsair | $1,564 |
| BMW X3 | $1,604 |
| Mercedes-Benz GLA-Class | $1,608 |
| Volvo XC60 | $1,623 |
| Lexus RX | $1,650 |
| Acura Integra | $1,655 |
| Acura TLX | $1,682 |
| BMW X2 | $1,687 |
| Land Rover Discovery Sport | $1,695 |
| Lexus NX | $1,706 |
| Mercedes-Benz GLB-Class | $1,709 |
| Lexus TX | $1,729 |
| Infiniti QX50 | $1,742 |
| Audi A3 | $1,745 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Colorado
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $4,046 annually, which breaks down to $337 monthly.
The table below highlights the most affordable EVs to insure in Colorado, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,222 |
| Hyundai Kona Electric | $1,393 |
| Kia Niro EV | $1,413 |
| Volkswagen ID.4 | $1,473 |
| Nissan Leaf | $1,483 |
| Chevrolet Silverado EV | $1,611 |
| Audi Q4 e-tron | $1,679 |
| Kia EV9 | $1,705 |
| Ford F-150 Lightning | $1,731 |
| Toyota bZ4X | $1,733 |
| Hyundai Ioniq 5 | $1,764 |
| Subaru Solterra | $1,767 |
| Mercedes-Benz EQB | $1,823 |
| Volvo XC40 Recharge | $1,836 |
| Ford Mustang Mach-E | $1,838 |
| Chevrolet Blazer EV | $1,846 |
| Kia EV6 | $1,858 |
| Cadillac LYRIQ | $1,876 |
| Hyundai Ioniq 6 | $1,924 |
| Nissan Ariya | $1,945 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Colorado
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $4,726 to insure a Mazda MX-5 Miata, while insuring a Honda CR-V costs $4,852 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Colorado?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $1,222, whereas the cost of insuring a Hyundai Kona Electric is $1,393 for the same coverage.
Which SUVs are the cheapest to insure in Colorado?
In Colorado, insuring a Honda CR-V SUV costs about $1,227 for six months, making it one of the most affordable options. The Honda HR-V and Volkswagen Tiguan also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Colorado?
The Mazda MX-5 Miata, Honda CR-V, Chevrolet TrailBlazer and Honda HR-V are among the most affordable cars to insure for 18-year-old drivers in Colorado. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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