Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Colorado Average car insurance cost in Colorado A full-coverage car insurance policy in Colorado costs an average of $3,222 a year or $268 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Colorado, you can expect to pay an average of around $268 per month for full coverage car insurance, or $3,222 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $46 monthly or $547 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $3,222 Average per month cost $268 Average cost for state minimum coverage $898 / Year Cheapest car insurance company GEICO($2,249 / Year) Average cost for young drivers $4,846 / Year Average cost for Senior drivers $3,147 / Year Average car insurance cost in Colorado Drivers in Colorado generally pay an average of $268 per month or $3,222 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $46 or $547 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in ColoradoGEICO provides the lowest full coverage rates, for an average cost of $2,249 per year or $187 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Kemper also offers affordable insurance coverage to Colorado drivers at an average cost of $2,486 a year or $207 per month.Although these insurers offer some of the most affordable average rates in Colorado, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Colorado Graph Table Company nameAverage per month costAverage annual costGEICO$187$2,249Kemper$207$2,486Auto-Owners$227$2,725Progressive$254$3,045Southern Farm Bureau$275$3,298Farmers$301$3,615Allstate$331$3,970Acuity Insurance$351$4,214State Farm$370$4,435USAA*$183$2,201*USAA is only available to military community members and their families.Powered by: Colorado car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Colorado Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Colorado Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,317/year Full Coverage$3,243/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in ColoradoYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $46 per month or $547 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Colorado, drivers typically pay $268 per month or $3,222 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$547Liability only$898Full coverage$3,222Non-owner state minimum liability$345Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Colorado by cityAuroraColorado SpringsDenverFort CollinsLakewood Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Colorado by cityCar insurance rates can vary widely depending on where you live, even within Colorado.Cities like Denver, Colorado Springs, or Aurora tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Fort Collins or Greeley, with average annual premiums between $2,846 and $3,072.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costFort Collins$2,846Greeley$3,072Arvada$3,080Westminster$3,205Thornton$3,342Lakewood$3,424Pueblo$3,549Aurora$3,576Colorado Springs$3,597Denver$3,600Powered by:Average car insurance cost in Colorado by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Colorado for full coverage, depending on your age and gender.Average car insurance cost in Colorado for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Colorado, 20-year-old male drivers pay an average of $6,473 per year for car insurance, while their female counterparts pay $5,764 for the same coverage.However, by age 25, average car insurance costs drop to about $3,955 per year for male drivers and $3,763 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$6,473$5,76421$5,173$4,80722$4,815$4,49123$4,517$4,22424$4,318$4,068Powered by:Average car insurance cost in Colorado for adult driversAn adult driver aged 25-60 in Colorado pays $3,246 per year for full coverage, or $270 each month. Female drivers of the same age pay $3,225 annually or $269 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,955$3,76330$3,450$3,44135$3,283$3,29540$3,197$3,24645$3,142$3,18650$3,023$3,03255$2,972$2,96560$2,946$2,872Powered by:Average car insurance cost in Colorado for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,984 per year, and women pay $2,886.By age 70, those averages increase to $3,182 for men and $3,052 for women. At 75, premiums rise again, reaching $3,489 for male drivers and $3,294 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,984$2,88670$3,182$3,05275$3,489$3,294Powered by:Minimum car insurance requirements in ColoradoWhether you’re purchasing a policy for the first time or relocating to Colorado, it’s important to understand the state’s liability coverage requirements.Drivers in Colorado must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $15,000Cheapest cars to insure in ColoradoInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Mini Cooper Electric has the lowest premium, at an average of $2,444 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $2,455.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumMini Cooper Electric$2,444Honda CR-V$2,455Honda HR-V$2,455Volkswagen Tiguan$2,504Hyundai Venue$2,564Chevrolet TrailBlazer$2,565Chevrolet Express$2,593Honda Pilot$2,628Acura RDX$2,633Honda Odyssey$2,638Powered by:Most expensive cars to insure in ColoradoMaserati Quattroporte is one of the most expensive vehicles to insure in Colorado, with an average annual cost of $9,841.Below is a list of the costliest vehicles to insure in Colorado and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$9,841Mercedes-AMG EQS$9,101Maserati Ghibli$8,794BMW M8 Gran Coupe$8,080Audi RS7$7,504BMW M8$7,371Mercedes-AMG G63$7,348Mercedes-Benz S-Class$7,258BMW i7$7,115Audi RS6$7,100Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in ColoradoCheapest car insurance companies in ColoradoAverage cost of car insurance by coverage levels in ColoradoAverage car insurance cost in Colorado by cityAverage car insurance cost in Colorado by ageMinimum car insurance requirements in ColoradoCheapest cars to insure in ColoradoMost expensive cars to insure in ColoradoMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330