Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Colorado Average car insurance cost in Colorado The average premium for car insurance in Colorado is $2,337 per year or $195 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Colorado, the average annual premium is $2,337, per year or $195 monthly. This contrasts with the national average of $1,895, highlighting a variation of $442. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Colorado, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $2,337 Average per month cost $195 Average cost for state minimum coverage $437 / Year Cheapest car insurance company Geico($1,445 / Year) Average cost for young drivers $3,485 / Year Average cost for Senior drivers $2,347 / Year Key TakeawaysThe average car insurance cost in Colorado is $2,337 per year, based on Insure.com’s analysis.In Colorado, the average premium for car insurance is $195 per month.Geico has the cheapest car insurance rates in Colorado, at an average annual rate of $1,445 a year.Average car insurance cost in Colorado per monthIn Colorado, car insurance costs around $195 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Colorado, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in ColoradoAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Colorado is Geico, with an average annual cost of $1,445 and a monthly average of $120. Following closely is Southern Farm Bureau, providing coverage at an average monthly rate of $148.The following table lists additional car insurance companies operating in Colorado and their respective average monthly and annual costs. Affordable car insurance providers in Colorado Graph Table Company nameAverage per month costAverage annual costGeico$120$1,445Southern Farm Bureau$148$1,780Kemper$157$1,878State Farm$162$1,950Allstate$231$2,774Progressive$233$2,796Auto-Owners$239$2,874Farmers$298$3,578Acuity Insurance$314$3,769USAA$130$1,559 Read our guide to cheap car insurance companies Colorado car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Colorado Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $3,275/Year OR $273/month Colorado Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in ColoradoThe extent of coverage you select determines car insurance costs in Colorado. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Colorado amounts to $717.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Colorado stands at $2,337.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Colorado, the average annual cost for non-owner state minimum liability coverage stands at $282.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $437 in Colorado.1State minimum:$4372Liability only:$7173Full coverage:$2,3374Non-owners:$282Auto 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 CollinsLakewoodAverage car insurance cost in Colorado by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Colorado:CityAverage annual costArvada$2,360Aurora$2,432Colorado Springs$2,349Denver$2,337Fort Collins$2,209Greeley$2,356Lakewood$2,492Pueblo$2,483Thornton$2,220Westminster$2,234Average car insurance cost in Colorado by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Colorado, the average annual rate for young drivers is $3,485, whereas for seniors, it’s $2,347. Notably, the rate for young drivers surpasses that of senior drivers by $1,138.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Colorado for young driversIn Colorado, female young drivers typically pay an average annual car insurance cost of $3,382 and $282 per month. Conversely, male young drivers pay an average annual rate of $3,592, or $299 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,511 $4,065 21 $3,712 $3,473 22 $3,428 $3,288 23 $3,235 $3,119 24 $3,129 $3,022 Average car insurance cost in Colorado for senior driversIn Colorado, senior female drivers pay an annual car insurance cost of $2,328, equating to $194 per month. Similarly, male senior drivers face an average yearly expense of $2,367, or $197 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $2,212 $2,198 70 $2,325 $2,312 75 $2,559 $2,474 Read more about senior car insuranceMinimum car insurance requirements in ColoradoEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Colorado Department of Insurance, the required coverages and minimum coverage limits in Colorado are as follows:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $15,000Cheapest cars to insure in ColoradoThe Kia Seltos is most affordable average annual insurance premium, standing at $2,106, with the Mazda CX-30 trailing closely behind at $2,117. The annual difference in insurance costs between these two models amounts to $11.MakeModelAverage annual premiumKiaSeltos$2,106MazdaCX-30$2,117HyundaiVenue$2,171VolkswagenTiguan$2,181ToyotaCorolla Cross$2,210MiniCooper Hardtop 2 Door$2,221HondaCR-V$2,232HondaPassport$2,241AcuraRDX$2,261HyundaiTucson$2,261Most expensive cars to insure in ColoradoThe most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $8,345. However, the difference between the cheapest and most expensive cars to insure is $6,239 annually.MakeModelAverage annual premiumMaseratiQuattroporte$8,345MaseratiQuattroporte Trofeo$8,054BMWM5$7,675Land RoverRange Rover P530 Autobiography$7,645GenesisG90$7,522MaseratiGhibli Trofeo$7,520MercedesEQS$7,404AudiR8 Performance$7,290NissanZ Performance$7,255GMCHummer EV$7,128MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Colorado Non-owner auto insurance in Colorado Average renters insurance cost in Colorado Average homeowners insurance cost in Colorado Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Colorado per monthCheapest 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 age of the driverMinimum car insurance requirements in ColoradoCheapest cars to insure in ColoradoMost expensive cars to insure in ColoradoMethodology ZIP Code Please enter valid ZIP See rates