- The average cost of car insurance in Colorado is $3,181 a year or $265 per month, based on our data analysis.
- Minimum liability coverage in Colorado costs around $692 annually for limits of 25/50/15, while liability-only coverage costs $799 per year for limits of 50/100/50.
- American National provides the most affordable annual rates for full coverage car insurance in Colorado, costing $1,496 per year.
- In Colorado, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 21%, a DUI raising rates by 52%, and an at-fault accident by up to 47%.
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. American National offers the cheapest rates at $1,496 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 $265 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 $852 a month or $10,227 a year.
- Young drivers in their 20s pay an average of $405 monthly or $4,855 annually, for car insurance.
- Senior drivers pay around $266 monthly or $3,194 a year.
- A speeding ticket can increase your rates to $321 monthly or $3,858 annually.
- An at-fault accident increases car insurance rates to $390 a month or $4,677 a year.
- Poor credit drivers usually see their car insurance costs increase to $636 monthly or $7,634 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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Colorado car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $58 | $692 |
| Liability Only – 50/100/50 BI/PD | $67 | $799 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $265 | $3,181 |
State minimum car insurance in Colorado
In Colorado, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $15,000 of property damage liability.
The state minimum coverage in Colorado costs $692 a year but doesn’t provide much protection for drivers. Colorado drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Colorado must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Colorado
Liability-only car insurance costs $799 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
In Colorado, you can expect to pay around $3,181 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
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
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.
Car insurance companies know teen drivers are less experienced and riskier to insure. Colorado drivers aged 30 to 60 have the lowest average auto insurance rates at $3,102 annually.
Drivers aged 16-19 pay $7,125 more for car insurance than Colorado drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $10,227 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,666 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $3,102 annually in Colorado.
- For senior drivers: Drivers aged 65 and older can expect to pay $3,194 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Colorado
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Colorado, a DUI conviction often results in higher premiums and you may see an increase of up to 52% as insurers perceive you as a high-risk driver.
If you get caught speeding in Colorado, your car insurance rates will increase by 21% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Colorado following driving incidents:
- Speeding ticket: Up to 21% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 47% 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 compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
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
Drivers in Colorado can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Colorado by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Colorado and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| American National | $368 | $406 | $1,496 |
| GEICO | $418 | $491 | $2,546 |
| Progressive | $568 | $701 | $2,695 |
| California Casualty | $428 | $498 | $3,153 |
| Southern Farm Bureau | $501 | $553 | $3,278 |
| Allstate | $1,136 | $1,261 | $3,938 |
| Farmers | $996 | $1,157 | $4,068 |
| Auto-Owners | $913 | $1,048 | $4,211 |
| State Farm | $1,145 | $1,358 | $4,217 |
| USAA | $445 | $523 | $2,208 |
Car insurance rates by city in Colorado
Pueblo is the priciest city in Colorado for car insurance, costing an average of $3,479 annually. On the other hand, Fort Collins is the most affordable city, where drivers pay an average of $2,774 per year for car insurance.
Car insurance premiums differ across cities in Colorado and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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 $265 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $58 |
| Liability Only – 50/100/50 BI/PD | $67 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $265 |
Final thoughts on choosing car insurance in Colorado
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Colorado.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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