Average Car Insurance Cost in Colorado (2024)

Car insurance rates in the Centennial State are comparable to the national average. Colorado drivers pay an overall average of $148 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.

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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 $84 per month, while the average monthly cost of full coverage is $211 per month.

The table below shows the average cost of car insurance in Colorado, by insurance company.

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.

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.

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.

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 $148 per month, while drivers with a DUI pay $235 per month.

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.

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.

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