Colorado Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Colorado car insurance averages about $269 a month ($3,222 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 15% above the national average in our data, more than in Arizona, Kansas, Nebraska, New Mexico, Oklahoma, Utah and Wyoming. State Farm and Progressive are effectively tied for the lowest full-coverage average of the five insurers we price, at about $234 and $239 a month.

Where you live matters. The southern Front Range costs the most in our data: Pueblo County averages about $316 a month and El Paso County $299. Denver County, fifth of the 38 counties we price, averages $293. The Western Slope costs the least, led by Mesa County at $193 and Montrose County at $217. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 222 Colorado ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.

Average Cost of Car Insurance in Colorado

Full coverage in Colorado averages $3,222 a year, or about $269 a month, for our benchmark driver. Liability-only coverage at the state’s 25/50/15 minimum averages $892 a year ($74 a month), and 50/100/50 liability with comprehensive and collision averages $3,139 ($262 a month).

• Full coverage (100/300/100, $500 deductibles): $3,222 a year ($269 a month)
• 50/100/50 with $500 deductibles: $3,139 a year ($262 a month)
• Liability only (25/50/15): $892 a year ($74 a month)
• Denver: $3,470 a year ($289 a month) for full coverage
• Colorado Springs: $3,608 a year ($301 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Colorado Compares With Neighboring States

Colorado’s average is about $63 a month above Arizona’s, $47 above Kansas’, $45 above Nebraska’s, $64 above New Mexico’s, $26 above Oklahoma’s, $27 above Utah’s and $108 above Wyoming’s. It’s the ninth-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Colorado: Companies Compared

• Lowest averages in our data, full coverage: State Farm and Progressive, effectively tied at about $234 and $239 a month.
• Next lowest: Safeco at $247.
• Lowest liability-only average (25/50/15): Safeco, at about $52 a month, then Progressive at $61.
• Estimated: American National at about $135 a month, USAA at $173, Auto-Owners at $214, American Family at $228 and Farmers at $283 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $357 a month for full coverage, $1,476 a year more than State Farm.

State Farm and Progressive are effectively tied for the lowest full-coverage average among the five insurers in our Colorado rate data. USAA, American National, American Family, Farmers and Auto-Owners aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. The published 2026 statewide Colorado rate studies we reviewed most often rank American National or GEICO cheapest for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/15 limits, Safeco has the lowest average among the insurers we price, at about $52 a month, followed by Progressive at $61.

These are statewide averages for our benchmark driver. See how we calculated these rates.

See What You’d Pay in Colorado

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Rates change by city and ZIP code across Colorado. Enter yours to compare quotes.

How Colorado’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved since November 2025.

Are Car Insurance Rates Going Up in Colorado?

Not for our benchmark driver. Comparing the same insurers in the same Colorado ZIP codes, full coverage averaged $3,349 a year in rates as of Nov. 30, 2025, and $3,222 as of Aug. 31, 2026, a 3.8% drop. State Farm cut its Colorado average 15.0% and Safeco 7.7%, while GEICO raised its average 3.6%, and Allstate and Progressive didn’t change theirs. Liability-only coverage at 25/50/15 limits rose 1.5%, led by GEICO, which raised its liability-only average 10.1%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What Drives Car Insurance Costs in Colorado?

Colorado’s full-coverage average is the ninth-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The Front Range cities. Pueblo, El Paso and Denver counties are among the most expensive in our data. Colorado Springs averages $301, Aurora $300 and Denver $289, while Grand Junction on the Western Slope averages $194.
• Coverage that comes with every policy. Uninsured and underinsured motorist coverage and $5,000 in medical payments coverage are included unless you reject them, so a standard Colorado policy carries more than the liability minimum.
• How rates are set. The Division of Insurance doesn’t set auto rates; insurers do. Under a 2021 state law, insurers can’t use outside consumer data or algorithms in ways that unfairly discriminate based on traits such as race, religion, sex or disability, and an amended governance rule for auto insurers took effect Oct. 15, 2025.

Colorado Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Pueblo is the most expensive, at $316 a month for full coverage, followed by Colorado Springs at $301 and Aurora at $300. Grand Junction is the least expensive, at about $194. Across all 104 cities and towns we price, averages run from about $316 in Pueblo to $190 in Fruita.

The table lists all 104 Colorado cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Colorado City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Colorado Car Insurance Rates by County

Pueblo County is the most expensive county in our data, at about $316 a month for full coverage, followed by El Paso County ($299) and Logan County ($299). The least expensive are Mesa County ($193), Montrose County ($217) and Delta County ($222). We price 38 of Colorado’s 64 counties.

How Much More Does Better Coverage Cost in Colorado?

Raising liability limits from 50/100/50 to 100/300/100 adds about $83 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $412 less a year (Safeco) to $391 more (GEICO). Statewide, that’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate and Safeco charge less for 100/300/100 than for 50/100/50 in our data, so for those insurers the higher limits cost less. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Colorado Car Insurance Rules at a Glance

What Car Insurance Is Required in Colorado?

Colorado law requires liability coverage on every car, according to the Colorado Division of Insurance. The minimum policy is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $15,000 in property damage liability.

Two more coverages come with your policy unless you turn them down:

• Uninsured and underinsured motorist coverage, which pays when a driver with no insurance or too little insurance injures you. It’s included unless you reject it in writing.
• Medical payments coverage of $5,000, which pays medical bills before your health insurance does. It’s included unless you reject it in writing or the same way you applied for the policy.

Colorado is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage. The Division of Insurance estimates that 15% to 20% of Colorado drivers are uninsured.

You must carry proof of insurance when you drive, and the Colorado DMV accepts electronic proof. Insurers report policies to the state’s insurance database at least weekly, and you can’t register a car without proof of Colorado auto insurance.

Driving without insurance is a Class 1 misdemeanor traffic offense. A first offense brings a fine of at least $500, up to four points on your license and up to 40 hours of community service, and your license can be suspended until you get insurance. A second offense brings a fine of at least $1,000 and a four-month suspension of your license, registration and plates. Reinstating takes a $95 fee and an SR-22 certificate for three years.

How to Lower Your Car Insurance Rate in Colorado

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $123 a month apart for the same driver and car.
2. Compare State Farm and Progressive first. They have the two lowest full-coverage averages statewide in our data, about $234 and $239 a month.
3. Keep uninsured motorist coverage. The Division of Insurance estimates that 15% to 20% of Colorado drivers are uninsured, and this coverage comes with your policy unless you reject it in writing.
4. Decide on medical payments coverage. Colorado policies include $5,000 in medical payments coverage unless you reject it. It pays before your health insurance and can go toward your deductible.
5. Keep proof of insurance handy. Colorado accepts electronic proof, but the DMV suggests keeping a printed copy in the car in case of a crash or a technology failure.
6. Pick your collision deductible. Colorado insurers must offer collision coverage with a $100 or $250 deductible, and a higher deductible usually lowers your premium.
7. Compare at every renewal. Since November 2025, State Farm has cut its statewide average 15.0% and Safeco 7.7%, while GEICO has raised its average 3.6%, so the order in our table can shift.
8. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Colorado home insurance rates.

Compare Colorado Car Insurance Quotes

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How We Calculated Colorado Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,110 full-coverage premiums from five insurers across 222 Colorado ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Colorado’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Other insurers: USAA, American National, American Family, Farmers and Auto-Owners aren’t in the Quadrant rate data we analyze, so their rows are estimated from published 2026 Colorado rate studies and aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Colorado law and the Colorado Division of Insurance. We refresh these figures when new rate data is released.

More Colorado Car Insurance Breakdowns

The tables in this section come from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use them to compare categories with each other.

Colorado Car Insurance Rates by Age

In this analysis, a 17-year-old pays about 3.1 times as much for full coverage as a 39-year-old. Prices keep falling into a driver’s 60s and rise again after that.

Does Vehicle Type Affect Car Insurance Costs?

An SUV is the least expensive vehicle type to insure in this analysis, and a luxury coupe costs about 73% more for full coverage.

How Much Is Insurance for a New Car in Colorado?

New vehicles cost more to insure in every category, from about 9% more for a hybrid or EV to 19% more for a luxury coupe.

How Much Do Tickets and Accidents Raise Car Insurance?

One speeding ticket raises full coverage about 17% in this analysis, a DUI about 28% and an at-fault accident about 37%.

More Colorado Cities in the Additional Analysis

This table from the same additional InsuranceQuotes rate analysis covers 470 Colorado cities and towns, including many that aren’t in the rate data behind the rest of this page. Use it to compare places with each other.

Colorado Car Insurance FAQ