Average cost of car insurance in Colorado for 2025

How much is car insurance in Colorado? 

The actual price you pay for car insurance will vary based on your location within the state, driving history and multiple other factors, but the annual average car insurance cost in Colorado is $3,212 for full coverage and $587 for minimum coverage. Compared to the national average cost of car insurance, which is $2,678 per year for full coverage and $799 for minimum coverage, Colorado is slightly more expensive for full coverage but somewhat cheaper for minimum coverage.

Key takeaways

• Drivers in the Centennial State pay an average of $3,212 per year for full coverage car insurance and $587 per year for minimum coverage.
• American National and Geico offer the cheapest average rates for full coverage in Colorado out of the companies on our list.
• The cheapest average rates for minimum coverage in Colorado are found with American National and Geico.
• Of the cities on our list, Aurora has the highest average annual rates for both full and minimum coverage, at $3,578 and $713, respectively.

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Colorado car insurance rates by city

If you’re wondering, ‘How much is car insurance in Colorado?,’ the answer varies depending on which city you live in. Insurance rates vary based on several factors, like driving record and vehicle, but premiums also differ between cities. The frequency of car accidents, average cost for repairs and the rates of theft and vandalism can all vary by ZIP code and affect how much you pay for car insurance. Below you can see how average rates from some of Colorado's largest cities compare to the state average.

Average car insurance costs by age and gender in Colorado

In Colorado, car insurance companies can use both age and gender to calculate car insurance premiums, which helps insurance underwriters determine certain risk levels. Generally, males and younger drivers face higher average premiums since they are typically considered higher-risk drivers.

Cost considerations for young drivers in Colorado

How does driving record impact the cost of car insurance in Colorado?

Your driving record has a significant impact on your car insurance rates. For example, a driver with one DUI conviction in Colorado pays, on average, 65 percent more per year for full coverage auto insurance than they would have with a clean driving record. Receiving even a single speeding ticket could increase a Colorado driver's average rate by 23 percent more for full coverage. Insurers penalize drivers for these types of incidents because they highlight that the driver represents an increased risk for filing claims.

The table below breaks down how each type of incident can affect the average cost of full coverage in Colorado compared to a clean driving record.

Car insurance rates in Colorado by credit score

Car insurance providers often use credit-based insurance scores to determine a driver’s risk level. Drivers with less than stellar credit tend to pay more for car insurance. For instance, a Colorado driver with poor credit will likely pay much more for car insurance than average. Conversely, drivers with excellent credit pay less than average because insurance providers don’t see them as the riskiest demographic to insure.

Colorado car insurance rates by vehicle type

The make and model of your vehicle is another important variable that can affect your car insurance rates in Colorado. Different types of cars can impact rates based on crash ratings, costs of repairs and risk of theft associated with each type of vehicle. This information helps insurers determine things like how expensive it will be to replace or repair different parts of that specific vehicle, or how well it is likely to perform in a crash. Insurers take these data points to approximate how much it will cost them to handle potential claims on any given vehicle.

Estimate your car insurance cost in Colorado

With so many factors involved in selecting the right car insurance company, it can be overwhelming to know where to begin. Since cost is a major influence, Bankrate has created this tool to take some of the guesswork out of how much you should pay for car insurance. After entering some basic information, you’ll be presented with a rough estimate of your insurance premium. While this is not an exact quote, it can give you a good starting point and help you budget accordingly.

How to save on car insurance in Colorado

When looking for ways to save on car insurance in Colorado, there are several things to consider. From what kind of car you drive to your driving record and habits, it all affects your insurance premium. Trying out some of these strategies might help you lower your Colorado car insurance rates:

• Increase your deductible: If you have collision and comprehensive insurance, you pay a deductible before your coverage kicks in. If you can afford to increase that deductible — for example, from $250 to $500 — you are likely to earn a lower premium. Be careful to keep your deductible at a level you would easily be able to pay, however, in the event of a claim.
• Review coverage annually: When it's time to renew your policy each year, it can be a good idea to review the types and levels of coverage you have to see if changes can be made. This is especially important after milestones, such as getting married or purchasing a new car. You may also want to consider dropping collision and comprehensive insurance if your car is on the older side and potentially not worth fixing after an accident.
• Shop around: When obtaining quotes from insurers, don't assume that the first price you get will be the lowest possible option. Every insurer has its own method of determining price, and by asking for quotes from a range of carriers, you can determine which company can offer you the most affordable coverage. 
• Change how you pay your policy: Most insurance companies offer a discount if you pay in full or set up automatic payments. If you do not drive much, it may benefit you to consider pay-per-mile insurance, which only charges you based on how many miles you drive.
• Practice safe driving habits: Being a careful driver may result in cheaper rates and help you qualify for more discounts. If you regularly practice safe driving habits, you may want to consider enrolling in a telematics program, which tracks your driving and rewards safe driving behaviors with discounts. However, some insurance companies also penalize you if you practice unsafe driving habits while being tracked, so keep this in mind.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.