Average Car Insurance Cost in Colorado (2024)

Drivers in Colorado pay an overall average of $145 per month for car insurance.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 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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Courtney Mikulski
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 February 1, 2024 at 11:00 AM PST

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Car insurance rates in the Centennial State are comparable to the national average. Colorado drivers pay an overall average of $145 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 $82 per month, and the average cost of full-coverage car insurance is $207 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 $82 per month, while the average monthly cost of full coverage is $207 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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
State Farm4797
USAA61125
American Family65133
Sun Coast69167
GEICO72148
Allstate73150
Nationwide78156
Safeco80169
State Auto81275
Progressive83170
Auto-Owners84173
The General88249
Midvale Home & Auto100183
Bristol West100231
Dairyland101247
Foremost107284
Direct Auto117189
Travelers118201
Farmers124254
Liberty Mutual140227
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.

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.

AgeMaleFemale
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.

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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 $145 per month, while drivers with a DUI pay $224 per month.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$82$207
With accident$110$278
With speeding ticket$119$300
With DUI$127$319
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 StatusAverage Quote: Liability OnlyAverage 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 TierAverage Quote: Liability OnlyAverage 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 $82 per month, and the average cost of full-coverage car insurance is $207 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 $47 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Colorado Division of Homeland Security and Emergency Management. "Winter Storm / Blizzard." Accessed September 29, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed September 29, 2023
  3. Transportation Safety. "Teen Driver and Passenger Safety." Accessed September 29, 2023
  4. National Highway and Traffic Safety Administration. "Drunk Driving." Accessed September 29, 2023
  5. Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law." Accessed September 29, 2023
  6. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado." Accessed September 29, 2023
Anna Baluch
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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