Average Car Insurance Cost in Colorado (2025)
Drivers in Colorado pay an average of $158 per month for car insurance.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
In Colorado, the average cost of a full-coverage car insurance policy is $216 per month. Drivers looking to save money can opt for a liability-only policy, which costs significantly less — $100 per month on average — but has lower protections. Colorado drivers spend more on car insurance than the national average of $196 per month for a full-coverage policy.
In 2025, the average annual cost of full-coverage car insurance in Colorado is approximately $2,595. This marks a decrease from 2024, when the average annual cost was around $2,800.
Here’s what you need to know about car insurance rates in Colorado and how to find affordable car insurance premiums.
Quick Facts
Car insurance rates in Colorado vary by city due to factors like crime rates and weather patterns.
Aurora is the most expensive Colorado city for car insurance, while Grand Junction is one of the cheapest.
Insurers in Colorado can use credit history to determine premiums, with higher credit scores leading to lower rates.
How much is car insurance in Colorado?
Colorado drivers pay an average of $216 per month, or $2,595 per year, for a full-coverage policy. You can save a lot by choosing a liability-only policy, with an average cost of $100 per month, or $1,202 per year.
Where you live, your gender, your credit history, and your driving history can all affect how much you spend on a car insurance policy. The type of coverage you choose plays a role in pricing too.
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How Colorado car insurance rates have changed over the past two years
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To find car insurance rates in Colorado and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Colorado rose to about $2,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Colorado.
See how Colorado car insurance prices have changed over the past two years below.
Average Colorado Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Colorado car insurance rates by city
Where you live in Colorado, down to the ZIP code, affects your car insurance spending. Insurers take your location into account because local crime and weather patterns, among other factors, can play a role in how likely you are to file future claims.[1]
The table below shows how location affects your premiums.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Grand Junction | $76 | $158 |
| Fort Collins | $86 | $187 |
| Greeley | $87 | $209 |
| Loveland | $90 | $177 |
| Boulder | $90 | $186 |
| Longmont | $93 | $180 |
| Pueblo | $94 | $217 |
| Broomfield | $98 | $202 |
| Colorado Springs | $103 | $231 |
| Arvada | $106 | $212 |
| Westminster | $109 | $218 |
| Denver | $111 | $240 |
| Aurora | $125 | $259 |
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 and gender
While you can control some of the factors that influence your car insurance premiums, you can’t control others. Age and gender affect your car insurance rates.
Younger drivers, especially those under 25, typically face higher premiums because they have less experience and are more likely to be involved in accidents. As a young driver gains experience, their rates usually decrease. Conversely, older drivers experience the cheapest rates. But at around age 70, drivers may see their rates climb again due to reduced faculties.
Gender also affects pricing. Women tend to have fewer and less severe accidents, which earns them more favorable auto insurance premiums.[2]
The tables below highlight how gender and age affect premiums.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $215 | $479 |
| 18 | $187 | $417 |
| 20 | $131 | $294 |
| 25 | $118 | $264 |
| 30 | $105 | $233 |
| 40 | $97 | $215 |
| 50 | $87 | $194 |
| 60 | $78 | $173 |
| 70+ | $79 | $177 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $194 | $434 |
| 18 | $169 | $377 |
| 20 | $119 | $266 |
| 25 | $107 | $238 |
| 30 | $95 | $211 |
| 40 | $87 | $195 |
| 50 | $79 | $176 |
| 60 | $70 | $157 |
| 70+ | $71 | $161 |
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 cost to insure popular vehicles in Colorado
Colorado drivers have many car options to suit their needs. Whether you want a high-tech Tesla or a trusty Toyota, you should think about the insurance costs when considering car brands. Your make and model choice will affect your car insurance premiums.
The following vehicle types are the most popular, according to Edmunds.
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $374 |
| Ford F-Series | $213 |
| Toyota RAV4 | $208 |
| Subaru Crosstrek | $177 |
| Ram 1500 / 2500 / 3500 | $253 |
How your driving record affects car insurance rates in Colorado
If your driving record reflects that you’re a safe driver who’s unlikely to get into accidents, you can save money on your car insurance premiums. If you have driving incidents like a speeding ticket, accident, or DUI on your driving record, your insurer may worry you’re more likely to file a claim.
As a result, the car insurance company will charge you more to safeguard its interests.
Keeping your driving record clean is a great way to save on insurance. For example, the average rate for car insurance in Colorado for a driver with a clean record is $158 per month. With a speeding ticket on record, rates jump to $228 per month. A driver with a DUI on their record spends even more, with a monthly average of $253.
The following table highlights how different driving events can affect car insurance rates for a sample driver profile.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $221 | 40% |
| With speeding ticket | $228 | 44% |
| With DUI | $253 | 60% |
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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In Colorado, it’s legal for insurers to use your credit history to help determine your car insurance rates. Insurers believe that having better credit can indicate that you’re less likely to file a claim.[3] Drivers in Colorado with poor credit pay an average of $274 per month for full coverage, but drivers with excellent credit pay around $202 per month.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $91 $202 Good $93 $208 Fair $94 $211 Poor $123 $274 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 to lower your insurance costs in Colorado
A car insurance premium is a cost you need to find room for in your budget month after month. Luckily, you can take some simple steps to lower your rate.
Compare multiple quotes
Rates vary significantly between companies, so shopping around with at least three insurers can help you find the best deal. Use online comparison tools or work with an independent insurance agent to explore your coverage options.
Bundle policies
Many insurers offer discounts if you bundle your auto insurance with another policy type, like homeowners or renters insurance. This can lead to significant savings on both policies.
Ask about discounts
Ask the insurance agent you’re working with about what discounts you qualify for, such as good driver, low-mileage, defensive driving course, or student discounts. Some insurers also offer savings for military members or seniors.
Increase your deductible
Choosing a higher deductible can lower your monthly premium. But make sure you can afford to pay the deductible amount out of pocket after an accident.
Choose the right car
Keep insurance costs in mind when shopping for a new car. Cars with high safety and security ratings generally come with lower insurance premiums.
Boost your credit
In Colorado, insurers can use credit history to determine rates. If you can take steps to improve your credit before applying for a new auto insurance policy, you may be able to save.
Colorado average car insurance cost FAQs
To better understand how to find the best car insurance in Colorado, check out the answers to these frequently asked questions on the topic.
In Colorado, drivers pay an average of $2,595 per year for a full-coverage policy and $1,202 per year for a liability-only policy.
The cheapest car insurance company in Colorado is State Farm, with average monthly rates of $45 for a liability-only policy.
Many factors affect how much you’ll pay for car insurance, including location, age, gender, and driving record. On average, Colorado drivers pay $216 per month for a full-coverage policy and $100 per month for a liability policy.
State Farm, GEICO, Farmers, and USAA are all examples of reliable and respected car insurance companies that offer solid policies to Colorado drivers. It’s a good idea to request quotes from more than one car insurance company to see which can offer you the most coverage for the best price.
All states have their own minimum coverage requirements. In Colorado, drivers must meet a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $15,000 for property damage.[4] These minimum liability requirements ensure financial protection in case of an accident but don’t cover all expenses.
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.
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Sources
- III. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Insurance Rating Variables: What They Are and Why They Matter."
- Texas.gov. "How your credit score can affect your insurance rates."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.