Cheapest Auto Insurance in Colorado (2025)
State Farm offers the cheapest liability-only car insurance quotes in Colorado, with a monthly quote of $67.
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Car insurance in Colorado costs an average of $148 per month, compared to the national average of $143 per month.
Colorado’s high volume of uninsured motorists could be driving up rates across the state. Colorado requires car insurance to drive legally, but 17.1% of drivers in the state are uninsured, compared to 14% nationwide, according to Insurance Information Institute data.1
Comparing quotes from multiple Colorado insurance companies can help you find the best price on coverage that’s right for you.
Quick Facts
State Farm has the cheapest liability-only car insurance in Colorado, with rates of $67 per month.
Only 14% of Colorado residents live in rural areas, according to U.S. census data.2 Car insurance typically costs more in urban areas, where more drivers are on the road and the risk of accidents is higher due to traffic congestion.
Colorado car insurance rates increased by 4% in 2023, compared to 17% nationally.
6 of the cheapest car insurance companies in Colorado
State Farm, Progressive, and Sun Coast provide some of the cheapest car insurance in Colorado, with liability rates starting at $67 per month.
But you might find a cheaper rate with another insurer. Insurance companies determine premiums based on a variety of factors unique to each driver, including accident history, age, gender, credit-based insurance score, and vehicle make and model.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
State Farm
American Family
USAA
Calculate how much your Colorado car insurance might cost
Don’t go into car insurance shopping blind. Use this car insurance calculator to estimate how much you should pay for coverage, based on factors like your age, gender, driving history, credit, and more.
How to get the cheapest car insurance in Colorado
The car insurance rate you get depends on many different factors, including your driving history, location, how much you drive, gender, age, and your credit history.
To get cheap car insurance in Colorado, here are some things you can do:
Raise your deductible. A higher deductible means you pay more out of pocket if there’s a claim, but it can result in lower car insurance premiums.
Look for discounts that you may qualify for. Insurance companies may offer discounts based on safe driving, having multiple policies with the company, or an affiliation, such as being an active-duty military member, veteran, or a teacher.
Compare car insurance rates. Shopping around can help you find the best rates for your situation. Check out prospective rates from multiple insurers to make the search easier.
Low-cost car insurance in Colorado
Colorado doesn’t have any low-income insurance programs to help drivers find affordable car insurance policies. If you’re looking for low-cost options in Colorado, consider shopping for insurance every six months and comparing quotes from at least three to five car insurance companies.
Car insurance rates can vary greatly among insurance companies, and comparing car insurance quotes allows you to find the best deal.
Cheapest liability-only car insurance quotes in Colorado: State Farm
Colorado requires drivers to carry liability auto insurance, though it only pays for damages and injuries to other parties when you cause an accident. This coverage makes sense if you have an older vehicle with a relatively cheap cash value.
Liability-only insurance in Colorado costs an average of $95 per month.
Here are the cheapest insurers for Colorado liability insurance.
Cheapest full-coverage car insurance quotes in Colorado: State Farm
If you need higher levels of coverage, you can look into full-coverage insurance, which comes with collision and comprehensive coverages. Collision insurance covers your vehicle after an at-fault accident with another vehicle or stationary object, while comprehensive insurance covers damage due to non-collision events, like severe weather and theft.
Colorado drivers pay $201 per month, on average, for full-coverage car insurance. Check out the most affordable full-coverage insurance in the table below.
Car insurance requirements in Colorado
Minimum liability car insurance requirements vary by state. In Colorado, you need to maintain the following car insurance coverage:
These requirements cover you if you’re found at fault for an accident that causes bodily injury, death, or damage to another party’s vehicle. While this is the minimum requirement, it only covers the other party if you’re found at fault and doesn’t cover your own property or injuries, which is where additional insurance coverage like collision, comprehensive, and medical payments protection can help.
Cheapest car insurance companies in CO for drivers with an incident
Your driving history can affect your car insurance premiums. If you have a clean record, you’ll get the lowest rates, but drivers with speeding tickets or at-fault accidents end up paying more. Colorado drivers with a driving under the influence (DUI) conviction will pay the most.
Here’s a look at average monthly quotes for the cheapest car insurance in Colorado based on driving and accident history.
Cheapest car insurance quotes for drivers with a speeding ticket: State Farm
Speeding puts you at a higher risk of being in a severe car accident, so insurance companies charge higher premiums after a ticket. Nearly 30% of traffic fatalities nationwide involve speeding, according to the National Safety Council.3
Drivers in Colorado with a speeding ticket pay an average of $116 per month for liability insurance.
Here’s how insurance companies’ average monthly quotes change after a speeding ticket in Colorado.
Cheapest car insurance quotes for drivers with an at-fault accident: Progressive
Insurers calculate rates based on risk and often reward drivers who are accident-free with lower premiums. Unfortunately, if you cause an accident, you can usually expect your premium to increase upon renewal.
Liability-only insurance in Colorado costs $115 per month, on average, for drivers with an at-fault accident on their record.
Cheapest car insurance quotes for drivers with a DUI: State Farm
A DUI conviction in Colorado will stay on your motor vehicle record for 10 years and could lead to an increase in your insurance premium for 3 to 7 years depending on your insurer. Drivers in Colorado with a DUI pay monthly averages of $153 for liability coverage and $324 for full coverage.
Practicing safe driving behavior or taking a defensive driving course approved by your insurer could reduce your rate over time.
The table below shows the cheapest car insurance companies for drivers in Colorado with a DUI.
Cheapest car insurance quotes for seniors: State Farm
Seniors typically pay less for car insurance, though rates start to rise in their 70s due to an enhanced accident risk and a higher probability of medical treatment needed for accident-caused injuries.4
Senior drivers in Colorado pay a monthly average of $78 for liability-only car insurance. Explore affordable insurance options for seniors in the table below.
Cheapest car insurance quotes for teens: Progressive
Young drivers, especially teen drivers, have a higher likelihood of getting into a fatal accident, according to the Centers for Disease Control and Prevention.5 As such, your age can affect your car insurance rate, as insurers consider certain age groups more likely to file a claim.
Liability insurance costs an average of $169 for Colorado teens, and full coverage costs $359 per month.
Teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age brackets and mostly trend downward.
Colorado car insurance quotes by credit tier
Many states, including Colorado, allow insurers to factor in your credit history when calculating your car insurance rates. Your credit history is a reflection of how you use and manage credit available to you, like credit cards, loans, and more.
Insurers believe your credit history also indicates how likely you are to file a claim. Drivers with good credit pay cheaper car insurance premiums, and drivers with poor credit pay more expensive premiums.
The table below shows what you might pay each month based on your credit tier in Colorado.
Car insurance rates across Colorado cities
Where you live significantly affects how much you pay for car insurance. Factors like vehicle crime rates, weather events, and traffic patterns all influence how likely you are to file a car insurance claim.
Check out the table below for an idea of the average car insurance quote in Colorado, based on the city you live in.
- Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Colorado car insurance FAQs
If you’re looking for more information about car insurance in Colorado, this additional information may help as you research your coverage options.
Which company has the cheapest car insurance in Colorado?
The top three cheapest insurance companies in Colorado are State Farm, Progressive, and Sun Coast. These insurers have the best prices in the state for liability-only insurance, of $67, $68, and $77 per month, respectively. Comparing multiple quotes at once can help you find the cheapest car insurance rate for your situation.
What’s the required car insurance coverage in Colorado?
Colorado’s minimum car insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 per accident in property damage liability coverage.
How does credit score affect car insurance premiums in Colorado?
Insurers consider your credit history when determining rates, so having a better credit score typically lowers your costs. A poor credit score is anything that falls below 630, while an excellent credit score is anything above 720.
You don’t need perfect credit to get a good insurance rate, though, since credit is just one of the factors insurers consider when determining car insurance premiums.
Is Colorado a no-fault state?
No. Colorado is an at-fault state. This means the driver who caused an accident is responsible for paying for damages. This includes vehicle repairs, medical bills and other costs, like legal fees and judgments, if a lawsuit is filed against the at-fault driver.
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