When it comes to estimating the cost of car insurance in Colorado, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.

CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Colorado at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.

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Colorado Car Insurance Calculator

Get an estimate for your car insurance costs based on your ZIP & driver profile.
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Why we ask?
Rates can vary from 54% less than the national average to 441% more for different ZIP codes.
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Do you own a car?
Why we ask?
* If you own a vehicle you can choose your coverages and limits. However, leasing and financing companies require you carry comprehensive and collision coverage, plus leased vehicles must carry higher liability limits.
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What is your age?
Why we ask?
* Car insurance rates vary by age. This helps us give you a better estimate. Estimates can vary from being 22% less than the national average to being 77% more than it, based on the age group.
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* Being a homeowner may reduce your auto insurance rates, and if you bundle your auto and home policies with the same insurance company, you can save up to 12%.
YOUR ESTIMATED CAR INSURANCE PLANS
for ZIP , , Car , Age
Unfortunately, we're unable to provide insurance rates for the requested ZIP code. However, we can offer you the insurance rates for a nearby ZIP .
State Minimum
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Bodily Injury
$25k/$50K
Property Damage
$15k
Collision
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Comprehensive
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BEST PRICE
Standard Liability
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Bodily Injury
$50k/$100K
Property Damage
$50k
Collision
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Comprehensive
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RECOMMENDED
BEST PROTECTION
79 percent of insured drivers preferred
Full Coverage
---*/MO.
Bodily Injury
$100k/$300K
Property Damage
$100k
Collision
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Comprehensive
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* In the table above for State Minimum Protection, we are showing only BI and PD for minimum requirements but that the rate shown in State Minimum Protection includes all coverage your state requires. You can find more details about your state here at Minimum Requirements by States. "State minimum" and "Standard Liability" policies are typically minimum or low-limit policies, providing bare-bones coverage. While these policies have lower rates, we recommend higher limits to ensure sufficient coverage should an accident or vehicle damage occur. "Full Coverage" policies will provide better coverage for you and your vehicle, as they have higher liability limits, plus include coverage for your vehicle through collision and comprehensive insurance. These policies offer the most financial protection should you have to file a claim.
Key Highlights
  • Car insurance calculator is a valuable tool in estimating the cost of car insurance in Colorado.
  • The average annual cost of a full coverage policy in Colorado with liability limits of 100/300/100 is $2,337 or $195 per month.
  • Minimum liability coverage in Colorado costs around $437 per year, based on CarInsurance.com’s data analysis.

Car insurance calculator Colorado: How to get auto insurance estimates

When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.

Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.

What factors affect car insurance estimates in Colorado?

Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.

On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.

Learn more: The 10 most important factors that affect car insurance rates

Calculate new car insurance rates in Colorado by car model

When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.

Vehicle typeAverage annual rates
Convertible$3,193
Electric$3,642
Hatchback$2,555
Hybrid$3,119
Luxury Car$4,145
Luxury SUV$3,597
Minivan$2,629
Performance SUV$4,011
Sedan$2,884
Sports Car$3,988
Station Wagon$3,526
SUV$2,560
Truck$2,966
Van$2,417

“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”

Find out your estimated car insurance rates in Colorado by using the calculator below based on your vehicle’s make and model.

Insurance rates by car model

Insurance rates by car model

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Colorado car insurance estimates for used cars

Insuring a used car in Colorado typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.

Use the car insurance calculator below to estimate your rates in Colorado for used cars by make and model.

Used car insurance calculator

Average insurance rates for your used car

Calculate your used car insurance coverage needs in a few simple steps
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Car is already added..!!
Confidential All the information you provide for this calculator will be kept confidential. We will not ask you for any information that can be used to contact you unless you request a quote.

FAQ: How to estimate car insurance rates before buying a car in Colorado

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How much auto insurance do I need in Colorado?

The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.

Each state, including Colorado, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.


RequirementsCoverage limits
Minimum bodily injury liability$25,000 per person, $50,000 per accident
Minimum property damage liability$15,000 per accident

How much does car insurance cost in Colorado per month?

The monthly cost of full coverage car insurance in Colorado, including collision, comprehensive, and 100/300/100 liability, is $195. For state minimum liability, it’s $36 per month, while liability coverage with 50/100/50 limits costs $60 monthly.

Does your age impact how much you pay for insurance in Colorado?

In Colorado, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.

Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.

Resources & Methodology

Methodology

CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.

We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.