Cheap Full-Coverage Car Insurance in Colorado (2026)
Colorado drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $124 per month.
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Written byTimothy Moore
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Timothy MoorePersonal Finance and Insurance Freelance Writer
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
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Quick Facts
On average, full-coverage car insurance in Colorado costs $2,610 per year.
Full-coverage auto insurance in Colorado is more expensive than the national annual average of $2,241.
Colorado’s weather and high vehicle theft rates lead to higher prices for full coverage.
Cheapest full-coverage car insurance in Colorado
On average, full-coverage car insurance in Colorado costs $218 per month, but rates can vary widely by insurer.
Insurify found that State Farm has the cheapest full-coverage car insurance in Colorado, with an average monthly rate of $124.
The table below shows the cheapest car insurance quotes in Colorado for full-coverage policies:
The below rates in Colorado are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $124 |
| Progressive | $139 |
| Root | $153 |
| USAA | $159 |
| American Family | $170 |
| GEICO | $177 |
| Mile Auto | $184 |
| Bristol West | $188 |
| Safeco | $192 |
| The General | $201 |
| Sun Coast | $212 |
| Auto-Owners | $220 |
| Allstate | $241 |
| National General | $244 |
| Dairyland | $254 |
| Mendota | $255 |
| Direct Auto | $259 |
| Trexis | $268 |
| Liberty Mutual | $292 |
| Travelers | $310 |
| Farmers | $324 |
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.
How much is full-coverage insurance in Colorado?
Drivers in the Centennial State pay an average of $218 per month for full-coverage car insurance. This is slightly higher than the national average of $187.
Several factors affect the cost of full-coverage auto insurance in Colorado, including the state’s weather. Colorado is one of the most hail-prone states in the country and regularly faces widespread wildfires, both of which can damage vehicles. Colorado also has the fifth-highest rate of vehicle thefts in the country, per the National Insurance Crime Bureau (NICB).
Colorado’s population has steadily increased over the last quarter of a century, from roughly 4.3 million residents to more than 6 million, according to the Federal Reserve Bank of St. Louis. More residents means more drivers on the road and a higher chance of collisions. The Colorado Department of Transportation reported more than 95,700 car crashes in 2025.
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How to find cheap full-coverage car insurance in Colorado
Colorado has enacted the Roadmap to Reduce Auto Insurance Policies, a five-pronged plan intended to lower insurance rates across the state.[1] But you don’t have to wait for lawmakers to find a solution.
Here are some ways to reduce rates for full-coverage car insurance in Colorado on your own:
Bundle your policies. Many insurers offer discounts when you bundle your auto insurance with other types of coverage, such as homeowners insurance or renters insurance.
Ask about other discounts. You may also qualify for additional car insurance discounts. For instance, insurers may grant discounts when you pay in full, choose paperless billing, or drive a car with advanced safety features.
Maintain a clean driving record. The average cost of full-coverage car insurance in Colorado is $218 per month with a clean driving history. You’ll pay more if you have a ticket ($283), accident ($291), or driving under the influence (DUI) conviction ($306) on your record.
Take an approved course. Colorado law requires that insurers offer a car insurance premium reduction to drivers 55 and older who successfully complete an approved defensive driving course.
Compare rates. Shop around for car insurance at least once per year. Use an online insurance marketplace or work with an independent agent to compare rates from multiple insurers at one time.
What full-coverage car insurance covers
A full-coverage car insurance policy isn’t a specific type of policy, but it generally includes the following types of coverage in Colorado:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist (UM/UIM) coverage can pay for your injuries if another driver causes an accident but doesn’t have insurance or doesn’t have enough insurance. It also applies in a hit-and-run. In Colorado, insurers must include this in your policy unless you reject it in writing. The Colorado Division of Insurance (DOI) estimates that 15%–20% of drivers are uninsured.[2]
Collision coverage
Collision coverage helps pay repair or replacement costs when your vehicle is damaged in a collision with another vehicle. In Colorado, insurers must offer collision deductibles of $100 or $250, but you can choose a higher deductible.
Comprehensive coverage
Comprehensive coverage helps pay repair or replacement costs when your vehicle is damaged, but not in a crash with another driver. Instead, comprehensive coverage can apply to animal collisions, damage from falling objects, hail damage, vandalism, and theft, among other types of damage.
Medical payments coverage
Medical payments (MedPay) coverage can pay for your medical costs when you’re injured in an accident, regardless of fault. Coverage from MedPay can even apply toward your health insurance deductible and co-insurance. This is noteworthy in Colorado, which has the country’s second-highest average health insurance deductible for families, according to data from health policy organization KFF.
Additional coverage
Other coverages can make your policy even more robust. These might include rental car reimbursement, roadside assistance, and gap insurance.
Colorado law requires that owners of a motor vehicle carry a minimum amount of liability insurance. This includes:
Bodily injury liability insurance: You must carry $25,000 in bodily injury liability for one person per accident and $50,000 for two or more people per accident.
Property damage liability insurance: You also need to have $15,000 in property damage liability per accident.
This level of coverage is typically referred to as 25/50/15. Insurance experts usually recommend carrying more than minimum coverage, as it doesn’t help cover your own medical and car repair expenses. The low coverage limits may also leave you at risk if you cause an expensive accident.
Colorado doesn’t require any other types of car insurance. That said, insurers must automatically offer MedPay and UM/UIM, unless you reject it in writing.
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Minimum- vs. full-coverage car insurance in Colorado
Minimum-coverage car insurance in Colorado simply meets the state’s required amounts of liability-only insurance. A full-coverage policy typically includes UM/UIM, MedPay, collision, and comprehensive, which offer much more protection.
If you have any financial assets to protect, you’ll likely want higher coverage limits than what Colorado requires. And if you currently finance or lease your car, like 31.2% of Coloradans, your lender or lessor will likely require you to carry comprehensive and collision coverage.
If your car is only worth a few thousand dollars and you have great health insurance, you may be OK without comprehensive, collision, and medical payments coverage.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Colorado | $97 | $218 |
| Covers damage to your own car | No | Yes |
| Covers damage to other car | Yes | Yes |
| Covers medical costs for others outside your car | Yes | Yes |
| Covers medical costs for you and your passengers | No | Yes |
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.
Is full-coverage car insurance worth it in Colorado?
Full-coverage car insurance is worth the cost for many Colorado drivers for a variety of reasons:
Vehicle thefts: The state ranks fifth in the country for its vehicle theft rate. Nearly 150 cars are stolen per 100,000 people, according to the NICB.
Weather risks: Colorado’s weather poses several risks to vehicles, including hail and wildfire.
Population growth: As Colorado’s population steadily rises, so too does the number of people on the road. This increases the chance of collisions.
Tourist trends: Ski resorts, hiking trails in the Rockies, the Red Rocks Amphitheater, and downtown Denver and Colorado Springs are just some of the reasons Colorado welcomes so many tourists annually. Nearly 97 million travelers visited Colorado in 2025.[3] Visitors who rent or drive their own car further increase the chance for collisions on Colorado’s roadways.
Uninsured rate: The Colorado DOI estimates that up to 20% of drivers in Colorado don’t have car insurance. Carrying UM/UIM protects against this risk.
Expert’s insight
“If you’ve got full coverage because you’re paying off an auto loan, it’s a good idea to look into gap insurance in case your car gets totaled. Full coverage will pay your car’s actual cash value, and that’s not always the same amount as your loan balance. Gap insurance pays off any outstanding loan or lease balance on a totaled car.”
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Donald BlumeLicensed Property & Casualty Insurance Agent
Pros and cons of full-coverage car insurance in Colorado
Pros
UM/UIM protects against Colorado’s high uninsured rate
Comprehensive and collision cover damage from Colorado hail, wildfires, and road collisions
MedPay can help pay toward Colorado’s high health insurance deductibles
Cons
Full coverage costs more than average in Colorado
Comprehensive and collision come with deductibles
Full coverage may not be smart for older, less valuable vehicles
Full-coverage car insurance in Colorado FAQs
If you’re shopping for full-coverage car insurance in Colorado, check out the additional information below as you compare policy options.
What are the minimum auto insurance requirements in Colorado?
The minimum auto insurance requirements in Colorado are $25,000 in bodily injury liability for one person, $50,000 in bodily injury liability for two or more people, and $15,000 in property damage liability per accident.
Which companies have the cheapest full-coverage car insurance in Colorado?
State Farm and Progressive have the cheapest full-coverage car insurance in Colorado, at $124 and $139 per month, respectively.
Does full-coverage insurance in Colorado cover hail damage?
Yes. A full-coverage car insurance policy in Colorado covers hail damage. Hail is a common concern for drivers in Colorado.
Is uninsured motorist coverage part of a full-coverage policy in Colorado?
Yes. UM coverage is a part of a typical full-coverage policy in Colorado. This can be important, as the Colorado Division of Insurance estimates that 15%–20% of drivers don’t have car insurance.
Sources
- Colorado Office of Operations. "Roadmap to Reduce Auto Insurance Premiums."
- Colorado Division of Insurance. "Auto Insurance."
- The Colorado Sun. "Colorado sees another record year for tourism, despite slowing growth in spending and visitation."
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
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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Timothy MoorePersonal Finance and Insurance Freelance Writer
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert