Cheapest Car Insurance Quotes in Colorado
State Farm, Sun Coast, and Progressive offer some of Colorado’s cheapest car insurance quotes.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Chris KissellInsurance, Personal Finance Writer
Writer: Chris KissellInsurance, Personal Finance Writer
Chris Kissell is a Denver-based writer and editor whose work focuses on personal finance, insurance and health issues. His work has been featured in Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate, Money Talks News, and more.
)
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.
)
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Colorado car insurance at a glance
Cheapest car insurance company in Colorado: State Farm
Cheapest car insurance rate in Colorado: $55
Average monthly liability-only car insurance cost in CO: $97
Average monthly full-coverage car insurance cost in CO: $217
Cheapest car insurance quotes in Colorado
To identify the companies offering the cheapest car insurance in Colorado, Insurify analyzed quotes from 120+ insurers. Our sample driver is between 20 and 70 years old, has a clean driving record, and has a good-to-excellent credit history.
State Farm, Sun Coast, and Progressive are the three cheapest insurers in Colorado for liability-only policies.
The below rates in Colorado are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $55 | $124 |
| Sun Coast | $61 | $214 |
| Progressive | $65 | $136 |
| The General | $65 | $201 |
| Root | $70 | $153 |
| USAA | $70 | $160 |
| Mile Auto | $73 | $184 |
| American Family | $76 | $171 |
| GEICO | $76 | $176 |
| Bristol West | $84 | $187 |
| Auto-Owners | $98 | $221 |
| Trexis | $100 | $268 |
| Mendota | $102 | $255 |
| Safeco | $106 | $190 |
| National General | $109 | $244 |
| Dairyland | $111 | $254 |
| Allstate | $116 | $235 |
| Direct Auto | $116 | $257 |
| Travelers | $138 | $312 |
| Farmers | $144 | $326 |
| Liberty Mutual | $168 | $290 |
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.
Shop for Car Insurance in Colorado
Insurify partners with 120+ top insurers for real-time quotes
Excellent
4.7 out of 5 based on 17,538 reviews
Secure. Free. Easy-to-use.
Best-rated insurance companies in Colorado
Insurify bases its ratings on thousands of actual user reviews, IQ Scores, and an in-depth analysis of insurance-industry data. Below are the best insurers in Colorado in four categories.
Best for full coverage: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $124/mo |
4.1
Best choice in ColoradoBased on 21,475 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Colorado for
Showing 36 reviews from Colorado driversSee all 8,192 State Farm reviews
Verified Review
Reviewed in Colorado on September 18, 2026
Rates go up, and State Farm avoids paying out claims.
Verified Review
Reviewed in Colorado on September 3, 2026
Expensive, even with no accidents or tickets.
Verified Review
Reviewed in Colorado on August 23, 2026
I’ve never had a problem with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers some of the cheapest full-coverage rates in Colorado. Full coverage pays to repair your vehicle after accidents and weather-related damage. This protection is especially valuable in Colorado, as wildfires, snowstorms, and hail events regularly occur in the state.
Pros
Cheap full-coverage rates in Colorado
Highly rated mobile app
Drive Safe & Save program can save you up to 30%
Cons
No gap insurance
No pay-per-mile program
Low Trustpilot score
Best for minimum coverage: Sun Coast
| User Reviews | 4.2 |
|---|---|
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $214/mo |
4.2
Best choice in ColoradoBased on 45 verified driver reviews and ratings
Sun Coast's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Sun Coast
Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
Based on analysis of verified reviews collected by Insurify
Best in Colorado for
Showing recent national reviewsSee all 17 Sun Coast reviews
Verified Purchase
Reviewed in California on September 29, 2026
I appreciate the grace period when I needed to change payment methods.
Verified Purchase
Reviewed in Arizona on June 18, 2026
Good experience so far.
Verified Purchase
Reviewed in New Mexico on April 27, 2026
Nice and easy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated
Why we picked this company
Sun Coast offers some of the lowest rates in Colorado for state-minimum coverage. If you’re looking to switch your coverage to Sun Coast, you can increase your savings with an advance-shopping discount.
Pros
Advance-shopping discount
Low rates for drivers with infractions
Online quotes available
Cons
No mobile app
No AM Best rating
Fewer discounts than competitors
Best for savings: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Colorado for
Showing 24 reviews from Colorado driversSee all 9,153 Progressive reviews
Verified Review
Reviewed in Colorado on September 29, 2026
Never use them. The rep I spoke with literally yelled at me and kept interrupting me. I wanted to know why my insurance doubled, and he said it was because I didn’t send verification. I told him I made two payments and was never told that was needed. They just sent a statement showing my insurance went from $76 to $180 for liability.
Verified Review
Reviewed in Colorado on September 18, 2026
Progressive is the cheapest insurance I can find. The people are professional and friendly, but when I needed them, they didn’t come through because of too many loopholes in their policy.
Verified Review
Reviewed in Colorado on September 10, 2026
Too expensive when I don’t drive that many miles a week. I’m looking for a less expensive option.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive has some of the cheapest liability-only rates in Colorado. Along with strong financial ratings from AM Best, it offers more than a dozen discounts that can further lower your costs.
Pros
Snapshot program rewards safe driving
Benefits for longtime customers
A+ (Superior) AM Best rating
Cons
Mixed customers reviews
Other insurers may offer cheaper rates
Low J.D. Power customer satisfaction ranking in the Southwest
Best for customer service: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $176/mo |
4.0
Best choice in ColoradoBased on 20,982 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Colorado for
Showing 9 reviews from Colorado driversSee all 8,240 GEICO reviews
Verified Review
Reviewed in Colorado on July 9, 2026
GEICO is great. I switched to Progressive, and that was bad. I switched back to GEICO.
Verified Review
Reviewed in Colorado on June 15, 2026
Too expensive and difficult, especially for classic cars.
Verified Review
Reviewed in Colorado on June 11, 2026
They charge too much for the coverage I have.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO ranked among the top three insurers for customer satisfaction in the Southwest, according to the J.D. Power 2026 U.S. Auto Insurance Study. The company also has some of the state’s cheapest liability-only rates and received AM Best’s highest financial strength rating.
Pros
Cheap rates in Colorado
Available mechanical breakdown insurance
A++ (Superior) AM Best financial strength rating
Cons
Low Trustpilot score
No gap insurance
Low J.D. Power claims satisfaction ranking
How we chose the best companies
We evaluated insurers operating in Colorado using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Colorado drivers, including hurricane exposure, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
How much is car insurance in Colorado?
In Colorado, a full-coverage policy averages $217 per month. Liability-only coverage averages $97 per month.
In comparison, drivers nationwide pay monthly averages of $187 for full coverage and $99 for liability-only insurance.
Several factors affect the cost of car insurance in Colorado. For example, the state has the No. 5 highest vehicle theft rate in the country, according to the National Insurance Crime Bureau.[1]
Severe weather is common in the summer, including damaging hail and wind gusts over 50 mph.[2] Areas of the state also experience significant snowfall.
Compare Quotes to Unlock Lower Premiums in Colorado
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 17,538 reviews
Secure. Free. Easy-to-use.
Average car insurance quotes in Colorado cities
Where you live affects how much you pay for car insurance. The table below shows average liability and full-coverage rates in various Colorado cities.
The below rates in Colorado are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| 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.
In some Colorado cities, rates are especially high compared with what drivers pay elsewhere in the state. These are the five most expensive cities in Colorado for car insurance.
The below rates in Colorado are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Colorado Springs | $103 | $219 |
| Commerce City | $107 | $217 |
| Englewood | $109 | $233 |
| Denver | $112 | $225 |
| Aurora | $123 | $242 |
On-the-spot guidance from licensed insurance experts
)
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
)
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
Why you should compare car insurance quotes in Colorado
Comparing car insurance quotes is one of the best ways to save money. Each insurer has its own criteria for establishing rates, and your costs can vary widely among companies, even for the same coverage.
Follow these tips to ensure you get the most accurate quotes:
Ask each company for the same coverage types, limits, and deductibles.
Offer information about all drivers in your household.
Ask about available discounts.
Provide honest details about how you use your car and your annual mileage.
Colorado car insurance requirements
Nearly every state has minimum auto insurance requirements. In Colorado, it’s illegal to drive without insurance.
Colorado requires the following coverage amounts:[3]
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$15,000 in property damage liability
Many experts recommend carrying at least $100,000 per person and $300,000 per accident, according to the Rocky Mountain Insurance Information Association.
Colorado auto insurance policies include $5,000 in medical payments coverage unless you opt out. Uninsured/underinsured motorist coverage is also optional in Colorado.[4]
Agent Tip: Does liability-only coverage offer enough protection?
“A liability-only policy is all that’s required to drive legally in Colorado. But that may not provide enough coverage if you cause a serious accident. Medical expenses and repair costs may exceed your policy limits, and you’d have to pay the difference out of pocket. And a liability-only policy won’t pay to repair or replace your car if the accident’s your fault.”
){kind=small}
Britney BalkLicensed P&C Agent and Customer Service Supervisor
How to find the cheapest Colorado car insurance
Comparing car insurance rates from multiple insurers is the best way to find cheap insurance in the Centennial State. For more savings, consider the following tips.
Bundle policies. Many insurance companies offer a discount if you bundle auto insurance with homeowners insurance or renters insurance.
Ask about available discounts. Insurers typically offer multi-car, safe driver, and good student discounts. You can also save by remaining accident-free, paying in full, and more.
Improve your credit history. Insurers in Colorado may consider your credit-based insurance score when determining your rates.
Raise your deductibles. Increasing your comprehensive and collision deductibles typically lowers your car insurance premium.
Reduce coverage. As your car ages and its value declines, you can save money by dropping full coverage. Be sure you can afford to replace your car out of pocket before decreasing your coverage limits or dropping to a minimum-coverage policy.
Compare Colorado Car Insurance Quotes
Comparing through Insurify could cut your bill up to 50%
Excellent
4.7 out of 5 based on 17,538 reviews
Secure. Free. Easy-to-use.
Find quotes for your driver profile
Your individual driver profile plays a significant role in how much you pay for car insurance. Check out the links below for more information on insurance costs in Colorado for various driver profiles and coverage needs.
Colorado car insurance quotes by coverage type
Cheapest Liability-Only Car Insurance in Colorado
Cheap Full-Coverage Car Insurance in Colorado
How car insurance costs have changed in Colorado
Car insurance rates soared to record highs in mid-2024 as insurers struggled to handle a surge of claims following the COVID-19 pandemic.
More recently, car insurance costs have dropped nationwide. But the trend is likely to reverse, with costs expected to rise 1% by the end of 2026, according to Insurify’s American Driver Report.
The average cost of car insurance in Colorado is $1,882 per year, as of June 2026. Costs dipped by 1.3% in the first half of the year, and projections indicate they’ll fall another 1.7% in the second half of 2026.
Average Colorado Car Insurance Rates Over the Past Five Years
State Name | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Colorado | 1,846 | 1,846 | 1,842 | 1,847 | 1,845 | 1,855 | 1,869 | 1,889 | 1,896 | 1,897 | 1,901 | 1,904 | 1,913 | 1,919 | 1,927 | 1,943 | 1,951 | 1,976 | 1,998 | 2,037 | 2,055 | 2,105 | 2,140 | 2,174 | 2,199 | 2,232 | 2,246 | 2,277 | 2,318 | 2,367 | 2,420 | 2,471 | 2,518 | 2,607 | 2,657 | 2,695 | 2,752 | 2,783 | 2,838 | 2,852 | 2,864 | 2,860 | 2,889 | 2,883 | 2,889 | 2,870 | 2,835 | 2,777 | 2,743 | 2,692 | 2,662 | 2,641 | 2,635 | 2,635 | 2,630 | 2,621 | 2,611 | 2,602 | 2,612 | 2,611 | 2,604 |
| United States | 1,557 | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,613 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,803 | 1,850 | 1,887 | 1,919 | 1,956 | 1,982 | 2,006 | 2,036 | 2,076 | 2,127 | 2,194 | 2,238 | 2,298 | 2,341 | 2,368 | 2,391 | 2,387 | 2,375 | 2,371 | 2,363 | 2,352 | 2,368 | 2,369 | 2,368 | 2,357 | 2,343 | 2,318 | 2,286 | 2,258 | 2,229 | 2,216 | 2,223 | 2,223 | 2,225 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 | 2,242 |
Colorado car insurance FAQs
Below are answers to some of the most frequently asked questions drivers ask when searching for the cheapest insurance in Colorado.
Which company has the cheapest car insurance in Colorado?
State Farm offers the cheapest liability insurance in Colorado, with liability-only rates averaging $55 per month.
What are the minimum auto insurance requirements in Colorado?
Colorado requires drivers to have at least:
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$15,000 in property damage liability
How much is a full-coverage insurance policy in Colorado?
Drivers in Colorado pay an average of $217 per month for full-coverage car insurance. Your driving history, where you live, your vehicle make and model, and your age are just a few of the factors that determine how much you’ll pay for coverage.
What are the best ways to find cheap car insurance in Colorado?
Shopping around for car insurance is typically the best way to find the cheapest rates. Ask insurers which discounts you qualify for, consider raising your deductibles, and maintain a clean driving record to help keep rates low.
Which car insurance company offers coverage for high-risk drivers in Colorado?
Several insurers in Colorado offer reasonable rates to high-risk drivers. These include State Farm and Sun Coast.
Sources
- National Insurance Crime Bureau. "Nationwide Decline in Vehicle Thefts Continues Through First Half of 2025."
- Colorado State University: Colorado Climate Center. "Climate Change in Colorado."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- Colorado Department of Regulatory Agencies. "Auto Insurance."
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
Related articles
)
Rideshare Insurance in Colorado
Rideshare insurance isn’t required in Colorado, but it’s recommended for drivers who want to fill gaps in coverage while driving for a rideshare company.
)
Best Car Insurance in Colorado
State Farm, USAA, and Progressive top our list as three of the best car insurance companies in Colorado.
)
Car Insurance for High-Risk Drivers in Colorado
State Farm, USAA, and The General offer some of the best car insurance for high-risk drivers in Colorado.
)
Gap Insurance in Colorado
Gap insurance in Colorado can help if you total your financed or leased vehicle.
)
SR-22 Insurance in Colorado: Cost, Requirements, and Cheapest Companies
Colorado SR-22 insurance costs around $114 per month for liability-only coverage and $255 per month for full coverage.
Temporary Car Insurance in Colorado: What Your Short-Term Options Really Are
Temporary car insurance in Colorado isn’t widely available, but Insurify Car1 allows you to pay for coverage seven days at a time.
How Much Is Car Insurance in Colorado?
Drivers in Colorado pay an average of $1,882 per year for car insurance.
)
DUI Car Insurance in Colorado
Drivers in Colorado with a DUI pay an average of $219 per month for car insurance.
Cheap Full-Coverage Car Insurance in Colorado
Colorado drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $124 per month.
Cheapest Liability Car Insurance in Colorado
Colorado drivers can find the cheapest liability-only car insurance from State Farm, with rates of $55 per month.
Colorado Car Insurance Laws
Colorado is an at-fault state and requires drivers to carry a minimum amount of liability insurance. If you drive without insurance in Colorado, you could face fines and serious legal penalties.
)
Cheapest Auto Insurance in Arvada, Colorado
State Farm offers the cheapest car insurance in Arvada, with minimum-coverage policies as low as $51 per month.
Cheap Car Insurance Quotes in Aurora, Colorado (October 2026)
State Farm offers the cheapest car insurance in Aurora, with liability rates of $64 per month. Hail exposure along the Front Range and heavy congestion on Interstate 225 and the I-70 “Mousetrap” interchange contribute to what Aurora drivers pay for insurance coverage.
)
Cheapest Auto Insurance in Boulder, Colorado
State Farm offers the cheapest car insurance in Boulder, with minimum-coverage policies as low as $48 per month.
)
Cheapest Auto Insurance in Broomfield, Colorado
State Farm offers the cheapest car insurance in Broomfield, with minimum-coverage policies as low as $55 per month.
Cheap Car Insurance Quotes in Colorado Springs (October 2026)
State Farm is the cheapest insurer in Colorado Springs, with liability coverage averaging $56 per month. Wildfire risk and a high DUI rate affect the cost of coverage in the city.
Cheapest Car Insurance Quotes in Denver (October 2026)
State Farm has the lowest average liability-only rates in Denver, at $59 per month. Denver ranks No. 8 nationally in vehicle theft rates, contributing to its higher-than-average premiums.
)
Cheap Car Insurance Quotes in Fort Collins, Colorado (October 2026)
State Farm has the cheapest car insurance in Fort Collins, with liability-only rates averaging $46 per month. Fort Collins sits in Colorado’s “hail alley,” so hailstorm risk can push rates higher.
)
Cheapest Auto Insurance in Grand Junction, Colorado
State Farm offers the cheapest car insurance in Grand Junction, with minimum-coverage policies as low as $37 per month.
)
Cheap Car Insurance Quotes in Greeley, Colorado (October 2026)
State Farm has the cheapest car insurance in Greeley, with liability-only policies averaging $48 per month. Greeley’s rates are cheaper due to the city’s lower population density and ongoing traffic safety measures.
)
Cheap Car Insurance Quotes in Longmont, Colorado (October 2026)
State Farm offers the cheapest car insurance in Longmont, Colorado, with drivers paying an average of $50 per month for liability-only coverage. Longmont drivers have longer average commute times, which increases accident risk and influences insurance rates.
)
Cheapest Auto Insurance in Loveland, Colorado
Loveland drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $43 per month.
)
Cheapest Auto Insurance in Pueblo, Colorado
State Farm is the cheapest car insurance company in Pueblo, with monthly liability rates as low as $53.
Writer: Chris KissellInsurance, Personal Finance Writer
Writer: Chris KissellInsurance, Personal Finance Writer
Chris Kissell is a Denver-based writer and editor whose work focuses on personal finance, insurance and health issues. His work has been featured in Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate, Money Talks News, and more.
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.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.