How Much Is Car Insurance in Colorado? (2026)
Drivers in Colorado pay an average of $1,882 per year for car insurance.
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Writer: Carley ClarkInsurance Writer
Writer: Carley ClarkInsurance Writer
Qualifications:
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Quick Facts
The average total monthly cost of car insurance in Colorado is $157.
State Farm is the cheapest car insurance company in Colorado, averaging $55 per month.
After years of increases, rates are trending downward in Colorado, with Insurify projecting a 2.9% total decrease in 2026.
How much is car insurance in Colorado?
The average cost of car insurance in Colorado for a liability-only policy is $97 per month, or $1,160 per year. Meanwhile, full coverage averages $217 per month, or $2,604 per year.
Rates for liability-only coverage in Colorado are about in line with the national average. Full-coverage costs, on the other hand, are higher than in many other states — including New Mexico and Utah.
One factor behind Colorado’s higher full-coverage rates is its frequent hailstorms, which drive up the cost of comprehensive coverage. You can compare the average costs in Colorado in the table below.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $97 | $1,160 |
| Full coverage | $217 | $2,604 |
Disclaimer: Table data is based on real-time Colorado quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum car insurance requirements in Colorado
To legally drive in Colorado, you must carry liability insurance. This coverage pays for the other driver’s medical expenses and property damage after an at-fault accident.
Colorado requires liability limits of at least $25,000 per person and $50,000 per accident for bodily injuries, along with $15,000 for property damage.[1] Insurers must also include uninsured motorist coverage in your insurance policy unless you reject it in writing.
Coverage Type | Colorado Minimum Requirement |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $15,000 |
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Liability policies average $97/mo.
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Cheapest car insurance companies in Colorado
Liability insurance is the cheapest coverage in Colorado because it covers injuries and property damage you cause to others, but doesn’t cover damage to your own vehicle.
That said, Colorado recorded 3,215 crashes involving suspected serious injuries in 2025.[2] Serious crashes can lead to expensive medical bills and property damage, potentially exceeding Colorado’s minimum liability limits.
Full coverage is more expensive than liability coverage because it adds collision and comprehensive coverage to your policy. This coverage protects your vehicle from damage caused by crashes or non-collision events, like theft or vandalism.
The table below shows the best Colorado insurance companies offering the cheapest rates for minimum coverage.
The below rates in Colorado are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $55 |
| Sun Coast | $61 |
| Progressive | $65 |
| The General | $65 |
| Root | $70 |
| USAA | $70 |
| Mile Auto | $73 |
| American Family | $76 |
| GEICO | $76 |
| Bristol West | $84 |
| Auto-Owners | $98 |
| Trexis | $100 |
| Mendota | $102 |
| Safeco | $106 |
| National General | $109 |
| Dairyland | $111 |
| Allstate | $116 |
| Direct Auto | $116 |
| Insurify Car | $124 |
| Travelers | $138 |
| Farmers | $144 |
| Liberty Mutual | $168 |
Disclaimer: Table data sourced from real-time Colorado car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado may vary based on the policy buyer's unique driver profile.
Average Colorado car insurance rates by city
Aurora and Denver are among the most expensive cities in Colorado for car insurance. Both cities sit along Interstate 25, which runs north to south and connects about 80% of Colorado’s residents.
Rates are likely higher here due to traffic density, since both cities have substantially more people per square mile than the state average.[3] The Denver-Aurora-Centennial metro also ranked No. 8 in the country for vehicle thefts per capita during the first half of 2025, according to National Insurance Crime Bureau (NICB) data.
Meanwhile, Grand Junction, Loveland, and Fort Collins are the cheapest cities in the state. Grand Junction sits on the Western Slope, while Fort Collins and Loveland sit at the northern end of the Front Range — well outside Denver’s congested metro.
These cities have much smaller populations than Colorado’s major metropolitan areas, which could contribute to their lower rates. For example, Fort Collins has 171,500 people, compared to Denver’s 740,613, according to U.S. census data.
The below rates in Colorado are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Grand Junction | $71 | $141 |
| Fort Collins | $82 | $177 |
| Loveland | $84 | $163 |
| Boulder | $87 | $185 |
| Greeley | $88 | $183 |
| Pueblo | $91 | $212 |
| Longmont | $93 | $194 |
| Broomfield | $99 | $216 |
| Castle Rock | $99 | $196 |
| Arvada | $101 | $192 |
| Colorado Springs | $103 | $219 |
| Parker | $103 | $215 |
| Commerce City | $107 | $217 |
| Englewood | $109 | $233 |
| Denver | $112 | $225 |
| Westminster | $114 | $201 |
| Aurora | $123 | $242 |
Disclaimer: Table data sourced from real-time Colorado car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado may vary based on the policy buyer's unique driver profile.
Average Colorado car insurance rates by age
Teen drivers pay $178 per month for liability coverage in Colorado — more than other age groups. The crash rate for young drivers is three times that of drivers 20 and older nationally, according to the Colorado Department of Transportation (CDOT). In 2024, Colorado recorded 88 crash fatalities for drivers 20 or younger, up 63% in the past decade.
As you become more experienced behind the wheel, auto insurance rates tend to decrease. Senior drivers typically pay the lowest rates, averaging $78 per month for liability coverage. You can compare average rates by age in the table below.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $178 | $398 |
| Adults (40s) | $99 | $222 |
| Seniors | $78 | $175 |
Disclaimer: Table data is based on real-time Colorado quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Colorado
Your driving history is one of the biggest factors insurers use to set your rate. An accident, ticket, or driving under the influence (DUI) conviction may group you with high-risk drivers and raise your rates.
More than 5% of Colorado drivers have a ticket, almost 5% have an accident, and nearly 1% have a DUI, according to Insurify data. An accident can raise your rate by 33%, while a DUI can increase it by 39%, compared to a clean driving record.
A DUI conviction can also result in fines, jail time, and license revocation. To reinstate your license, you’ll need an SR-22 certificate from your insurer to prove financial responsibility.
Driving Record | Average Monthly Quote in CO | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $157 | N/A |
| With speeding ticket | $203 | 29% |
| With accident | $209 | 33% |
| With DUI | $218 | 39% |
Disclaimer: Table data is based on real-time Colorado quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Colorado?
Several factors affect car insurance cost in Colorado, including:
Severe weather: Colorado is part of “hail alley,” which sees seven to nine days of hail each year.[4] Severe storms are Colorado’s most costly disasters and are becoming more frequent.
Uninsured motorists: An estimated 15% to 20% of Colorado drivers are uninsured, according to the Department of Insurance (DOI). This increases risk for everyone and drives up coverage costs.
Auto thefts: Colorado ranked No. 5 in the nation for auto thefts per 100,000 people in the first half of 2025, according to NICB data. That said, thefts fell 31% year over year compared to the first half of 2024.
Repair costs: Prices for motor vehicle maintenance and repair services rose 41% nationally between 2020 and 2025.[5] Gov. Jared Polis is addressing this issue by growing the state’s skilled repair workforce, warning insurers about repair shops that inflate prices, and taking legal action against tariffs.
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How Colorado car insurance rates have changed over the past five years
Colorado car insurance premiums rose from 2022 through the first half of 2025. Rising repair costs and more frequent severe weather partly drove these increases.
Rates began to decline in 2025 as insurers gained more financial stability and lowered rates to attract new customers. Colorado’s average annual cost fell from $2,793 in June 2025 to $2,579 in December 2025 and decreased another 1.3% in the first half of 2026.
Colorado could see another 1.7% decrease in the second half of 2026, bringing the average annual premium to $2,559, according to Insurify’s projections.
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To find car insurance rates in Colorado and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Colorado
Although the cost of coverage is higher in Colorado than the national average, the tips below could help lower your auto insurance premiums:
Improve your credit. Colorado law allows insurers to use your credit history when setting rates, but it can’t be the sole reason an insurer denies, cancels, or doesn’t renew your policy. Improving your credit history could help reduce your car insurance costs.
Increase your deductible. Colorado’s frequent hailstorms drive up the cost of comprehensive coverage. Choosing a higher deductible could help offset additional out-of-pocket costs if you file a claim.
Bundle policies. About 66% of Colorado homes are owner-occupied. If you’re a homeowner in Colorado, you could receive a premium reduction for bundling home and auto.
Shop around. You should compare car insurance quotes from multiple insurance companies through independent agents and insurer websites, according to the Colorado DOI. You may also want to consider regional insurers, such as Colorado Farm Bureau Insurance.
Colorado average car insurance cost FAQs
Colorado ranks No. 13 in the country for the highest full-coverage premiums, according to Insurify data. The information below can help you better understand coverage costs.
What insurer has the cheapest car insurance in Colorado?
Colorado drivers can find the cheapest liability rates from State Farm, averaging $55 per month. Sun Coast also offers affordable rates, at $61 per month. Comparing quotes is one of the best ways to find cheap car insurance in Colorado.
Why is car insurance in Colorado so high?
Colorado car insurance is expensive compared to the national average due to its high rate of uninsured drivers, frequent vehicle thefts, and location in “hail alley.” Rising repair costs have also pushed up the cost of comprehensive and collision coverage.
How much should I be paying for car insurance in Colorado?
The average cost of state-minimum coverage in Colorado is $97 per month, while full coverage averages $217 per month. Your rates may differ based on your location, driving history, and credit-based insurance score.
Sources
- DORA - Division of Insurance. "Auto Insurance."
- Colorado Department of Transportation (CDOT). "Colorado Crash Data Dashboard."
- U.S. Census Bureau. "QuickFacts Colorado; Denver city, Colorado; Aurora city, Colorado."
- NOAA National Severe Storms Laboratory (NSSL). "Severe Weather 101: Hail Basics."
- U.S. Bureau of Economic Analysis (BEA). "Personal Consumption Expenditures: Services: Motor Vehicle Maintenance and Repair."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
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Writer: Carley ClarkInsurance Writer
Writer: Carley ClarkInsurance Writer
Qualifications:
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.