Colorado Car insurance calculator

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If you’re a driver in Colorado, you probably know the importance of having car insurance. But finding the right coverage at a price that fits your budget isn’t always easy. That’s where our Colorado car insurance calculator comes in.

Our auto insurance calculator estimates your average annual and monthly costs in Colorado based on your vehicle’s make and model, helping you make smarter coverage decisions.

How to use our car insurance calculator to estimate your rates in Colorado

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

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.

Updated with latest data

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*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.

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.

Does your car’s model year affect insurance rates in Colorado?

In Colorado, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $4,699, compared to $2,977 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Colorado, you must have at least the minimum liability coverage to drive legally. This typically includes:

Bodily injury liability per person and per accident
Property damage liability

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Colorado can result in 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 city

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How your car’s trim affects insurance rates in Colorado

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Colorado, full coverage car insurance for a 2023 Honda Accord LX costs $4,699 a year, while the higher-end Accord EX-L trim costs $3,965 annually – a difference of $734 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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Average car insurance costs in Colorado

The average annual premium for a full coverage car insurance policy in Colorado is $3,222 or $268 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Colorado, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$3,222	$268
Liability Only – 50/100/50 BI/PD	$898	$75
State Minimum BI/PD	$547	$46
Non-Owners	$345	$29

How car insurance prices compare across Colorado cities

Car insurance premiums in Colorado can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $3,807 per year in Fort Lyon, compared to $2,394 in Fruita.

Top 20 cities with cheapest car insurance rates in Colorado

City	Avg. Annual Premium	Avg. Monthly Premium
Fruita	$2,394	$200
Redlands	$2,414	$201
Orchard Mesa	$2,424	$202
Grand Junction	$2,425	$202
Loma	$2,431	$203
Clifton	$2,447	$204
Glade Park	$2,457	$205
Mack	$2,474	$206
De Beque	$2,475	$206
Whitewater	$2,480	$207
Palisade	$2,494	$208
Gateway	$2,525	$210
Delta	$2,528	$211
Montrose	$2,558	$213
Eckert	$2,566	$214
Mesa	$2,580	$215
Olathe	$2,584	$215
Austin	$2,585	$215
Parachute	$2,609	$217
Collbran	$2,634	$220

Top 20 cities with most expensive car insurance in rates Colorado

City	Avg. Annual Premium	Avg. Monthly Premium
Fort Lyon	$3,807	$317
Cimarron Hills	$3,789	$316
Matheson	$3,761	$313
Ramah	$3,743	$312
Seibert	$3,738	$311
Yoder	$3,714	$309
Deer Trail	$3,707	$309
Rush	$3,694	$308
Limon	$3,654	$305
Vernon	$3,653	$304
Flagler	$3,646	$304
Simla	$3,641	$303
Wild Horse	$3,641	$303
Agate	$3,634	$303
Joes	$3,614	$301
Kit Carson	$3,608	$301
Julesburg	$3,606	$300
Crowley	$3,605	$300
Cheyenne Wells	$3,602	$300
Denver	$3,600	$300

Want to know what you’ll pay? Use the Colorado car insurance calculator

Use the Colorado car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

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.

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?
Does your car's model year affect insurance rates in Colorado?
How your car's trim affects insurance rates in Colorado
Average car insurance costs in Colorado
How car insurance prices compare across Colorado cities
Want to know what you'll pay? Use the Colorado car insurance calculator

Colorado car insurance calculator