Average Car Insurance Cost in Colorado (2024)
Drivers in Colorado pay an overall average of $158 per month for car insurance.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
Car insurance rates in the Centennial State are comparable to the national average. Colorado drivers pay an overall average of $158 per month for car insurance.
Various factors like densely populated cities with more drivers and severe weather events, such as hailstorms and blizzards, likely contribute to these increased auto insurance premiums.[1] But it’s still possible to lock in affordable car insurance in Colorado.
Quick Facts
The average cost of minimum-coverage car insurance in Colorado is $95 per month, and the average cost of full-coverage car insurance is $221 per month.
Compared to many other states, Colorado has more expensive car insurance rates.
Premiums are cheapest in Grand Junction and most expensive in Aurora.
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What’s the average cost of car insurance in Colorado?
A number of top car insurance companies offer auto policies to drivers in Colorado. Because rates vary, shop around and compare car insurance quotes, coverage levels, and coverage limits to find the best deal.
The average monthly cost of liability insurance in Colorado is $95 per month, while the average monthly cost of full coverage is $221 per month.
The table below shows the average cost of car insurance in Colorado, by insurance company.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| State Farm | $46 | $97 |
| USAA | $59 | $125 |
| American Family | $63 | $134 |
| GEICO | $70 | $148 |
| Allstate | $71 | $151 |
| Nationwide | $76 | $161 |
| Root | $76 | $136 |
| Sun Coast | $76 | $185 |
| Progressive | $81 | $170 |
| Auto-Owners | $82 | $173 |
| The General | $88 | $234 |
| Bristol West | $94 | $236 |
| Safeco | $109 | $199 |
| Dairyland | $113 | $267 |
| Foremost | $115 | $350 |
| Travelers | $115 | $244 |
| Farmers | $121 | $255 |
| Direct Auto | $127 | $294 |
| National General | $147 | $293 |
| Liberty Mutual | $196 | $315 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Colorado car insurance rates by city
Your Colorado ZIP code can affect your auto policy’s premiums. If you live in a location with a larger population — like Aurora, for example — you’ll notice higher rates than a driver in a smaller city such as Grand Junction or Greeley. Factors like higher crime rates and an increased number of uninsured drivers may also lead to higher insurance rates.[2]
Here’s a look at average Colorado car insurance premiums by city.
City ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Arvada | $152 |
| Aurora | $191 |
| Boulder | $139 |
| Broomfield | $152 |
| Colorado Springs | $165 |
| Denver | $177 |
| Fort Collins | $137 |
| Grand Junction | $116 |
| Greeley | $149 |
| Longmont | $135 |
| Loveland | $138 |
| Pueblo | $157 |
| Westminster | $161 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Colorado car insurance rates by age
Teen drivers 16 to 19 years old have a fatal crash rate almost three times as high as drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC).[3] For this reason, teens and young drivers typically face more expensive auto rates.
The table below shows how teens and younger drivers in Colorado pay the most for car insurance premiums, while older drivers with years of experience under their belt enjoy lower rates.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Colorado
Compared to female drivers, male drivers are often riskier on the road and more likely to cause a car accident. They’re more likely to drive under the influence, for example.[4] As a result, male drivers usually pay higher auto insurance rates than females.
In Colorado, a 35-year-old male driver pays an average premium of $199 per month, while a 35-year-old female driver pays an average of $188 per month.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $419 | $343 |
| 35 | $199 | $188 |
| 50 | $158 | $158 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Colorado
Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $95/mo for full coverage in Colorado.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
How your driving record affects car insurance rates in Colorado
Your driving record significantly affects your car insurance costs. If you have a history of serious traffic violations, like speeding tickets, at-fault auto accidents, or DUIs, you’ll usually pay higher premiums than someone with a clean driving record.
In Colorado, good drivers with a clean record will have more affordable options and pay an average rate of $158 per month, while drivers with a DUI pay $252 per month.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $95 | $221 |
| With accident | $132 | $308 |
| With speeding ticket | $137 | $319 |
| With DUI | $151 | $352 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Colorado car insurance rates by marital status
Married couples tend to secure more competitive rates than single drivers due to marriage discounts and multi-vehicle discounts. Married couples in Colorado pay average rates of $77 per month, while single drivers pay an average of $86 per month for the same insurance policy.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $77 | $189 |
| Single | $86 | $210 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Colorado car insurance rates by credit tier
Colorado is one of many states that allows auto insurers to consider your credit-based insurance score as part of your driver profile when determining your premiums.[5] If you have good credit or excellent credit, you’ll generally pay cheaper rates than someone with poor credit.
Here are the average Colorado car insurance costs by credit tier.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Poor | $132 | $322 |
| Average | $85 | $208 |
| Good | $77 | $189 |
| Excellent | $65 | $160 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Colorado car insurance FAQs
Use Insurify’s guide on reducing car insurance costs to get cheaper insurance. Here are the answers to frequently asked questions about auto insurance coverage in Colorado.
What is the average cost of car insurance in Colorado?
The average cost of minimum-coverage car insurance in Colorado is $95 per month, and the average cost of full-coverage car insurance is $221 per month.
What is the cheapest car insurance in Colorado?
The cheapest car insurance company in Colorado is State Farm, with an average liability-only premium of $46 per month.
Do car insurance rates vary by county in Colorado?
Yes. Car insurance premiums can differ by county in Colorado. This is due to varying population rates, crime rates, uninsured driver rates, and weather conditions.[2]
What are the best auto insurance companies in Colorado?
The best car insurance company with the cheapest car insurance rates in Colorado depends on your driver profile, coverage needs, and budget, which is why you should always compare quotes when shopping for insurance. A few examples of the best car insurance companies in Colorado include State Farm, Sun Coast, USAA, and GEICO.
What are the car insurance requirements in Colorado?
Per Colorado law, all drivers in the state must have minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury liability, as well as $15,000 per accident for property damage liability.[6]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Colorado Division of Homeland Security and Emergency Management. "Winter Storm / Blizzard."
- III. "What determines the price of an auto insurance policy?."
- Transportation Safety. "Teen Driver and Passenger Safety."
- National Highway and Traffic Safety Administration. "Drunk Driving."
- Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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