Home Car insurance Car insurance calculator Colorado car insurance calculator Colorado car insurance calculator View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 15, 2026 Why you can trust Insure.com Quality Verified 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. If you drive in Colorado, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Colorado car insurance calculator.It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Colorado, giving you the insight you need to confidently choose coverage. How to use our car insurance calculator to estimate your rates in Colorado:Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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 Minimum$648/year Liability coverage$1,385/year Full Coverage$3,056/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Does your vehicle model affect car insurance rates in Colorado?A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.For example, full coverage for a Honda Accord LX costs $3,031 per year, while the average premium for a Honda CR-V in Colorado is $2,455 – a difference of $576.How your car’s model year affects insurance rates in ColoradoIn Colorado, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,699 year to insure, whereas the 2024 model costs $2,977 annually. Know the minimum insurance you need in ColoradoEvery state has specific car insurance requirements. In Colorado, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet Colorado’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment. 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 citySee rates in your 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 How your car’s trim affects insurance rates in ColoradoYour car’s trim is one of the factors insurers use to calculate premiums in Colorado. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.Full coverage car insurance for a 2023 Honda Accord LX in Colorado is about $4,699 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $3,965, which is $734 annually.Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving. You might find interesting Explore related topics Average car insurance cost in ColoradoCar insurance calculator for teens in ColoradoCheapest SR-22 insurance in ColoradoColorado car insurance: Rates, state minimum requirements and best companiesDo you need insurance to register a car in Colorado?How much car insurance costs in Colorado vs. TexasHow much is gap insurance in ColoradoLow-cost car insurance in ColoradoNon-owner auto insurance in Colorado: Which company has the cheapest rates?The best and cheapest car insurance in ColoradoBest and cheapest companies for home and auto bundles in ColoradoSee more What drivers pay for car insurance in ColoradoIn Colorado, the average cost of full coverage car insurance is $3,222 per year, or $268 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in Colorado, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,222$268Liability Only – 50/100/50 BI/PD$898$75State Minimum BI/PD$547$46Non-Owners$345$29Powered by:Car insurance costs in Colorado by cityCar insurance rates in Colorado vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Fort Lyon pay $3,807 annually for full coverage, while those in Fruita pay closer to $2,394 per year.Top 20 cities with cheapest car insurance rates in ColoradoCityAvg. Annual PremiumAvg. Monthly PremiumFruita$2,394$200Redlands$2,414$201Orchard Mesa$2,424$202Grand Junction$2,425$202Loma$2,431$203Clifton$2,447$204Glade Park$2,457$205Mack$2,474$206De Beque$2,475$206Whitewater$2,480$207Palisade$2,494$208Gateway$2,525$210Delta$2,528$211Montrose$2,558$213Eckert$2,566$214Mesa$2,580$215Olathe$2,584$215Austin$2,585$215Parachute$2,609$217Collbran$2,634$220Powered by:Top 20 cities with most expensive car insurance in rates ColoradoCityAvg. Annual PremiumAvg. Monthly PremiumFort Lyon$3,807$317Cimarron Hills$3,789$316Matheson$3,761$313Ramah$3,743$312Seibert$3,738$311Yoder$3,714$309Deer Trail$3,707$309Rush$3,694$308Limon$3,654$305Vernon$3,653$304Flagler$3,646$304Simla$3,641$303Wild Horse$3,641$303Agate$3,634$303Joes$3,614$301Kit Carson$3,608$301Julesburg$3,606$300Crowley$3,605$300Cheyenne Wells$3,602$300Denver$3,600$300Powered by:Want to know what you’ll pay? Use our Colorado car insurance calculatorOur car insurance calculator for Colorado factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearConnecticut$2,726/YearWashington, D.C.$3,394/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 states No matches are found Shivani GiteContributing 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. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in Colorado:Does your vehicle model affect car insurance rates in Colorado?How your car's model year affects insurance rates in ColoradoHow your car's trim affects insurance rates in ColoradoWhat drivers pay for car insurance in ColoradoCar insurance costs in Colorado by cityWant to know what you'll pay? Use our Colorado car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330