Here are key tips to help you shop for car insurance in Colorado with confidence and save.
Car Insurance Calculator Colorado
Updated: April 23, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Apr 24, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
MoneyGeek Score
92
/of 100
Average Monthly Payment$64/mo
2
GEICO
MoneyGeek Score
74
/of 100
Average Monthly Payment$94/mo
3
Nationwide
MoneyGeek Score
88
/of 100
Average Monthly Payment$104/mo
MoneyGeek Score
67
/of 100
Average Monthly Payment$127/mo
5
Foremost
MoneyGeek Score
70
/of 100
Average Monthly Payment$138/mo
MoneyGeek Score
71
/of 100
Average Monthly Payment$155/mo
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Key Takeaways
Your Colorado car insurance estimate will be calculated by insurers based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Colorado can range anywhere from $646 to $6,560 per year depending on a variety of factors.
To get the best deal on Colorado car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Colorado Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage requirements in advance to avoid opting for more coverage than necessary. Consider factors like your location, driving habits, vehicle type and financial situation. Use our calculator to assess how much coverage you need.
Research Costs and Discounts for You
Investigate average car insurance costs in Colorado based on your chosen coverage level and driver profile to understand potential savings when comparing quotes. Seek out auto insurance discounts you might qualify for to explore additional savings opportunities with agents.
Research the Cheapest Providers for You
After determining your coverage needs and researching costs, start obtaining estimates from providers. This approach helps you identify where to begin comparing quotes and who offers the cheapest car insurance in Colorado for you. Utilize our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can significantly reduce your car insurance costs in Colorado. Our findings show potential savings of up to 54% on full coverage and 57% on minimum coverage. Use various resources such as comparison sites, independent brokers, insurers' websites and direct agencies to find the best deals.
Take Advantage of Colorado-Specific Programs
If you're a high-risk driver, Colorado provides Impaired Driving Training that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for drivers with lower mileage. Many insurers offer telematics insurance, which monitors driving habits and offers discounts of up to 40% for safe driving. Automakers also provide direct insurance programs with potential savings and added benefits.
What Affects Your Colorado Car Insurance Estimates?
Your car insurance premium in Colorado depends on four core areas: vehicle details, your driver profile, location and the provider you choose. Learn how each factor affects rates for Colorado drivers:
How Much Does Provider Chosen Affect Colorado Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in Colorado. Depending on the provider, your rates can drop 45% or increase by as much as 68% compared to the average for Colorado drivers.
| Lowest | American National P&C | $68 | $817 |
| Highest | Farmers Union Insurance | $209 | $2,503 |
How Much Does Age Affect Colorado Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for drivers in the Centennial State. Depending on your age, your rates can go up as much as 125% or decrease by as much as 44% compared to state averages. No matter where you are, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $122 | $1,465 |
| Highest | 16 | $547 | $6,560 |
How Much Does Credit Affect Colorado Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, rates in Colorado can vary from $96 to $216 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $96 | $1,155 |
| Highest | Poor | $216 | $2,593 |
How Much Does Coverage Affect Colorado Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Colorado, causing rates to vary anywhere from $646 per year for minimum coverage to $1,848 yearly for maximum coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $54 | $646 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $154 | $1,848 |
How Much Does Driving Record Affect Colorado Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Colorado with rates changing up to 21%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $124 | $1,487 |
| Highest | DUI - BAC >= .08 | $205 | $2,455 |
How Much Does Location Affect Colorado Car Insurance Estimates?
In the Centennial State, location ranks as the sixth most influential factor affecting auto insurance rates. Typically, denser city populations and higher weather risks mean pricier insurance. The lowest rates are in Fort Collins, while Denver tops the charts.
| Lowest | Fort Collins | $131 | $1,578 |
| Highest | Denver | $173 | $2,070 |
Colorado Car Insurance Calculator: Bottom Line
Before you decide, look into the costs, coverage options and companies. Then use our car insurance calculator for an estimate. After that, compare quotes side by side to find an affordable plan that fits you just right.
Colorado Car Insurance Estimate: FAQ
Below you will find answers to common questions about Colorado car insurance costs and estimates:
What is used to determine Colorado car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Colorado car insurance on average?
In Colorado, the average car insurance costs range from $60 per month to up to $235 monthly on average, depending on your unique profile and coverage chosen.
How do I get the best car insurance in Colorado?
To secure the best car insurance in Colorado, assess the coverage you need, compare costs and providers and utilize a car insurance calculator for tailored options.
Our Colorado Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
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.