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 learn how car insurance works in Colorado and how much you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Colorado, costing $1,445 per year.
- In Colorado, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Colorado costs $437 annually for limits of 25/50/15, while liability-only coverage costs $717 per year for limits of 50/100/50.
- 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?
In Colorado, drivers pay an average of $195 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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.
Average cost of auto insurance in Colorado by coverage level
In Colorado, the cost of car insurance can vary depending on how much coverage you purchase. Colorado drivers need at least the minimum insurance coverage limits of 25/50/15 to legally drive.
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.
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.
In the table below, see the car insurance premiums in Colorado for three different coverages.
| 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
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.
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
Liability-only car insurance costs $717 in Colorado for coverage limits of 50/100/50, according to CarInsurance.com data.
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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. 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.
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.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Colorado car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Colorado by car model
Car insurers in Colorado use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper 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
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.
Drivers aged 16-19 pay $3,424 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 $5,725 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,373 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,301 annually in Colorado.
- For senior drivers: Drivers aged 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Colorado can increase your premiums by up to 52% because insurers see you as a risky driver.
If you get caught speeding in Colorado, your car insurance rates will increase by 24% 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 is how much your car insurance rate increases in Colorado after driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 39% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Colorado for high-risk drivers
High-risk drivers in Colorado pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to 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.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $2,223 |
| USAA | $2,267 |
| Geico | $2,528 |
| Kemper | $2,579 |
| Allstate | $3,952 |
| Auto-Owners | $3,987 |
| Progressive | $4,436 |
| Farmers | $5,753 |
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.
Compare the best car insurance options in Colorado by getting quotes from different insurance companies.
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 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 costs differ from city to city in Colorado, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
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.
Find below the average annual car insurance cost for drivers in some of Colorado’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Geico | $1,406 |
| USAA | $1,614 |
| Southern Farm Bureau | $2,077 |
| State Farm | $2,104 |
| Kemper | $2,337 |
| Auto-Owners | $2,711 |
| Allstate | $3,092 |
| Progressive | $3,322 |
| Farmers | $4,000 |
| Acuity Insurance | $4,116 |
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.
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 | 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
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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