Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,445 per year.
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.
- 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%.
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
Car insurance costs in Colorado can differ based on the coverage limit. To legally drive, Colorado residents must adhere to the minimum liability limits of 25/50/15.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Colorado. However, they don’t offer much 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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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.
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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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Colorado
According to CarInsurance.com data, liability-only car insurance costs $717 in Colorado for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Colorado
In Colorado, you can expect to pay around $2,337 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Colorado
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Colorado have to bear greater financial burdens than those in areas with lower risks.
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 ( Liability - Minimum)
Estimate car insurance in Colorado by car model
Colorado car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Colorado, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $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.
Similarly, if you get a speeding ticket in Colorado, you’ll likely see an increase in your car insurance premium by up to 24% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Colorado following 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, comparing quotes can still help you save money.
Car insurance cost in Colorado for high-risk drivers
In Colorado, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
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.
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Car insurance rates by city in Colorado
Cope is Colorado’s most expensive city for car insurance at an average cost of $2,729 annually. Fruita is the state’s least expensive city, with an average car insurance 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.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
The table below shows the average annual car insurance premiums for Colorado’s largest cities.
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?
The average cost of a full-coverage car insurance policy in Colorado costs $195 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
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Final thoughts on choosing car insurance in Colorado
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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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