Average Cost of Car Insurance in Colorado


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Key Takeaways

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Car insurance costs range from $600 to $4,788 per year depending on your chosen coverage, driving profile and location.

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Colorado ranks as one of the most expensive in the country ranking 31st and 42nd overall for minimum and full coverage car insurance affordability respectively.

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Find the cheapest car insurance in Colorado by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.

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Average Car Insurance Cost In Colorado

Colorado car insurance costs about $1,754 per year for full coverage and $683 for minimum coverage, based on a 40-year-old driver with good credit and no driving violations. Rates vary depending on your unique profile.

Full Coverage$146$1,754
Minimum Coverage$57$683

*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.

Average Colorado Car Insurance Cost by Category

Car insurance varies widely depending on your unique characteristics, location and car. Here are average rates for common categories of drivers so you can see how pricing can vary.

Young Drivers$156$399
Adult Drivers$57$147
Senior Drivers$85$196
Drivers With An Accident$87$222
Drivers With A DUI$91$231
Drivers With A Speeding Ticket$76$195
Drivers With Bad Credit$130$298
Drivers With Low Income$78$178
Drivers With Newer Cars$75$193
Drivers With Old Cars$50$127

*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.

Personalized Average Colorado Car Insurance Costs

Our general driver categories show basic rates, but your costs will be different. Use our table below to find rates that match your personal details.

Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100 Full Cov. w/$1,000 Ded.3794549

*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).

Average Colorado Car Insurance Cost by City

Where you live in Colorado plays a big role in your car insurance costs. Full coverage rates range from $526 per year in Fruita to $2,144 in Aurora. Compare both full and minimum coverage rates for your city and other areas across the state below.

Data filtered by:Results filtered by:
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City:Alachua

*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.

Is Colorado Car Insurance Expensive?

Colorado ranks 42nd in affordability for full coverage and 31st overall for minimum coverage policies, placing it as one of the more expensive states overall in our 2025 study. However, this is only an overall statistic comparing average rates for the entirety of states and affordability rankings for your city compared to the rest of the United States will vary widely.

Why Is Car Insurance More Expensive In Colorado?

Below we'll explore the reasons for Colorado's high car insurance rates:

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    High Uninsured Driver Population

    Colorado has high uninsured driver rates, which drives up costs for covered drivers. When uninsured drivers cause accidents, insured drivers often face higher costs through their own uninsured motorist coverage or out-of-pocket expenses. This creates additional financial pressure on the insurance system and drives up premiums across the board.

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    Extreme Hail and Weather Damage

    Colorado is among the most hail-prone states in the U.S., primarily due to the state's high elevation, with the Front Range and areas eastward located in what's known as "hail alley." Colorado gets some of the most damaging hail in the country. Many Colorado drivers carry full coverage car insurance to deal with hail damage costs.

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    Rising Medical and Repair Costs

    Insurers blame rising repair and replacement costs, skyrocketing medical expenses, frequent hail storms and high car theft rates for premium increases. The state's elevated cost of living affects everything from medical treatment to car repairs, creating upward pressure on claim payouts. Colorado's mountainous terrain and harsh weather conditions also contribute to more severe accidents and higher repair costs.

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    Highest Car Theft Rates in the Nation

    Colorado has historically led the nation in motor vehicle theft, with an FBI study naming Colorado as the state where you're most likely to get your car stolen. Despite improvements, Colorado ranked fourth for car thefts per capita in the U.S. in 2024. In 2024, Colorado experienced 24,575 reported stolen cars. These elevated theft rates drive up comprehensive coverage costs across the state.

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    Population Growth and Urban Congestion

    Colorado's rapid population growth creates greater wear and tear on the state's infrastructure while putting drivers at a greater risk for accidents. The Denver Metro area, in particular, experiences heavy traffic congestion that increases collision frequency. More cars on the road lead to higher accident risk, which in turn raises the number of claims that insurance companies must cover.

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    Poor Road Infrastructure and High Accident Rates

    Colorado has some of the laxest driver education requirements in the country, which can contribute to higher insurance premiums compared to states with more comprehensive requirements. 2022 was the deadliest year on Colorado roadways in recorded history. 2023 was safer but had a record number of pedestrian and bicyclist deaths. Poor road conditions and increased wear and tear from population growth create greater accident risks and higher claim costs.

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    Severe Rate Increases and Premium Growth

    Car insurance rates in Colorado have risen 53% over the last 10 years and are projected to be among the highest in the country. Colorado drivers saw an increase of $530 for full coverage insurance in 2023, rising 29% to an average annual rate of $2,337. Recent hikes in costs can be attributed to inflation, higher claims and legal factors, with a sharp 40% increase in bodily injury claim severity between 2018 and 2022.

How To Lower Car Insurance Costs In Colorado

Below we've created a step-by-step guide to lowering your car insurance costs.

  1. 1

    Decide on coverage needs beforehand

    Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.

  2. 2

    Research costs and discounts

    To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.

  3. 3

    Look into company reputations and coverage options

    Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.

  4. 4

    Compare quotes through multiple means

    Compare quotes from multiple companies to find the best deal possible. Use different methods of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.

Cost of Car Insurance in Colorado: Bottom Line

Colorado car insurance costs are among the more expensive in the United States, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.

Cost of Car Insurance in Colorado: FAQ

Below are answers to frequently asked questions about Colorado car insurance costs:

How much is Colorado car insurance per month?

What factors affect Colorado car insurance costs?

Why is Colorado car insurance so expensive?

How expensive is Colorado car insurance?

How We Determined Colorado Car Insurance Costs

We used the following profile and modifications of this profile to determine Colorado auto insurance costs across all available zip codes and cities in the state:

  • 40-years-old
  • Clean driving record
  • Good credit
  • 2012 Toyota Camry LE

Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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