Average car insurance cost in Colorado
Colorado is one of the most expensive places in America to insure a car, ranking #45 of 51. The average driver here pays about 31% more than the national average — an extra $768 a year for the same coverage a driver in a cheaper state gets for less.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Colorado compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Colorado next to nearby states:
| State | Full coverage /mo | Difference vs CO |
|---|---|---|
| Colorado | $272 | — |
| Wyoming | $131 | −$141/mo |
| Utah | $224 | −$48/mo |
| Kansas | $225 | −$47/mo |
| New Mexico | $212 | −$60/mo |
Colorado car insurance FAQ
How much is car insurance in Colorado?
Full-coverage car insurance in Colorado averages $272 per month ($3,264 per year). A state-minimum liability policy averages $84 per month ($1,008 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Colorado more expensive than average?
Yes. Colorado's full-coverage average of $272/month is about 31% above the U.S. average of $208/month, ranking #45 of 51 (1 = cheapest).
Is Colorado a no-fault state?
No. Colorado is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Colorado?
Minimum liability in Colorado averages $84/month versus $272/month for full coverage — a gap of $188/month, or $2,256/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.