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
In Colorado, Mini Cooper Electric and Honda CR-V have the cheapest car insurance rates, followed by Honda HR-V and Volkswagen Tiguan, based on our research.
The table below highlights the most affordable vehicles to insure in Colorado, including 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Colorado
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,395. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,454, followed by Volkswagen Jetta, which costs $1,454 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Colorado and their average full coverage six-month rates.
| 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 have the lowest car insurance rates, at $1,227 and $1,228, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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 cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,316 for a six-month full coverage policy. The Volvo XC40 and Acura MDX also have affordable insurance rates at $1,448 and $1,483, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| 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 are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $4,046 a year or $337 a month.
Below is a list of the most affordable EVs to insure in Colorado for a full coverage policy and average six-month 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.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Colorado?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,222 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Hyundai Kona Electric is $1,393, according to our analysis.
Which SUVs are the cheapest to insure in Colorado?
The Honda CR-V is one of the cheapest SUVs to insure in Colorado, with an average cost of $1,227 for a six-month car insurance plan. The Honda HR-V and Volkswagen Tiguan also come with relatively low insurance premiums.
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 some of the cheapest cars to insure for an 18-year-old driver in Colorado. On the other hand, Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
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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