Average Car Insurance Cost in Colorado (2025)
Drivers in Colorado pay an average of $148 per month for car insurance.
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In Colorado, the average cost of a full-coverage car insurance policy is $201 per month. Drivers looking to save money can opt for a liability-only policy, which costs significantly less — $95 per month on average — but has lower protections. Colorado drivers spend more on car insurance than the national average of $182 per month for a full-coverage policy.
In 2025, the average annual cost of full-coverage car insurance in Colorado is approximately $2,406. This marks a decrease from 2024, when the average annual cost was around $2,800.
Here’s what you need to know about car insurance rates in Colorado and how to find affordable car insurance premiums.
How much is car insurance in Colorado?
Colorado drivers pay an average of $201 per month, or $2,406 per year, for a full-coverage policy. You can save a lot by choosing a liability-only policy, with an average cost of $95 per month, or $1,141 per year.
Where you live, your gender, your credit history, and your driving history can all affect how much you spend on a car insurance policy. The type of coverage you choose plays a role in pricing too.
How Colorado car insurance rates have changed over the past two years
The average yearly price for full-coverage car insurance in Colorado rose to about $2,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Colorado.
See how Colorado car insurance prices have changed over the past two years below.
Average Colorado car insurance rates by city
Where you live in Colorado, down to the ZIP code, affects your car insurance spending. Insurers take your location into account because local crime and weather patterns, among other factors, can play a role in how likely you are to file future claims.1
The table below shows how location affects your premiums.
Average Colorado car insurance rates by age and gender
While you can control some of the factors that influence your car insurance premiums, you can’t control others. Age and gender affect your car insurance rates.
Younger drivers, especially those under 25, typically face higher premiums because they have less experience and are more likely to be involved in accidents. As a young driver gains experience, their rates usually decrease. Conversely, older drivers experience the cheapest rates. But at around age 70, drivers may see their rates climb again due to reduced faculties.
Gender also affects pricing. Women tend to have fewer and less severe accidents, which earns them more favorable auto insurance premiums.2
The tables below highlight how gender and age affect premiums.
Average cost to insure popular vehicles in Colorado
Colorado drivers have many car options to suit their needs. Whether you want a high-tech Tesla or a trusty Toyota, you should think about the insurance costs when considering car brands. Your make and model choice will affect your car insurance premiums.
The following vehicle types are the most popular, according to Edmunds.
How your driving record affects car insurance rates in Colorado
If your driving record reflects that you’re a safe driver who’s unlikely to get into accidents, you can save money on your car insurance premiums. If you have driving incidents like a speeding ticket, accident, or DUI on your driving record, your insurer may worry you’re more likely to file a claim.
As a result, the car insurance company will charge you more to safeguard its interests.
Keeping your driving record clean is a great way to save on insurance. For example, the average rate for car insurance in Colorado for a driver with a clean record is $158 per month. With a speeding ticket on record, rates jump to $228 per month. A driver with a DUI on their record spends even more, with a monthly average of $253.
The following table highlights how different driving events can affect car insurance rates for a sample driver profile.
In Colorado, it’s legal for insurers to use your credit history to help determine your car insurance rates. Insurers believe that having better credit can indicate that you’re less likely to file a claim.3 Drivers in Colorado with poor credit pay an average of $274 per month for full coverage, but drivers with excellent credit pay around $202 per month.
How to lower your insurance costs in Colorado
A car insurance premium is a cost you need to find room for in your budget month after month. Luckily, you can take some simple steps to lower your rate.
Colorado average car insurance cost FAQs
To better understand how to find the best car insurance in Colorado, check out the answers to these frequently asked questions on the topic.
In Colorado, drivers pay an average of $2,406 per year for a full-coverage policy and $1,141 per year for a liability-only policy.
The cheapest car insurance company in Colorado is State Farm, with average monthly rates of $67 for a liability-only policy.
Many factors affect how much you’ll pay for car insurance, including location, age, gender, and driving record. On average, Colorado drivers pay $201 per month for a full-coverage policy and $95 per month for a liability policy.
State Farm, GEICO, Farmers, and USAA are all examples of reliable and respected car insurance companies that offer solid policies to Colorado drivers. It’s a good idea to request quotes from more than one car insurance company to see which can offer you the most coverage for the best price.
All states have their own minimum coverage requirements. In Colorado, drivers must meet a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $15,000 for property damage.4 These minimum liability requirements ensure financial protection in case of an accident but don’t cover all expenses.
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