Colorado Car Insurance Rates

Average insurance prices in Colorado for 2018 are $1,386 every 12 months for full coverage insurance. Comprehensive, collision, and liability cost an estimated $308, $564, and $358, respectively. Pueblo and Denver have the most expensive average rates, and the two most popular companies in Colorado are State Farm and Allstate.

Average rate for full coverage: $1,386

Policy rates broken down by type of insurance:

Comprehensive $308
Collision $564
Liability $358

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Auto Insurance in Colorado

Using a 40-year-old driver as an example, Colorado insurance prices go from the cheapest price of $426 for liability-only coverage to a much higher rate of $2,998 for a policy for a high-risk driver.

Liability Only $426
Full Coverage $1,386
High Risk $2,998

These price ranges illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of depending on average rates.

Use the form below to get accurate rates for your location.

Enter your Colorado zip code below to view companies that have cheap auto insurance rates.

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Colorado car insurance rate comparison chart
Column chart showing Colorado car insurance prices range from $797 to $5,104 for full coverage

The chart estimates Colorado auto insurance rates for different coverage choices and risks. The cheapest discount rate is $797. Colorado drivers who use higher $1,000 deductibles will pay $1,188. The average rate for a driver around age 40 using $500 deductibles is $1,386. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,770. Drivers with multiple violations and accidents could be charged at least $2,998. The price for full coverage insurance for a teenage driver is $5,104.

Auto insurance rates in Colorado are also quite variable based on deductibles and policy limits, your risk profile, and your choice of vehicle.

If you have some driving violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $322 extra every year. View Rates by Deductible or Liability Limit

The company you choose affects the cost of coverage. Each company has a slightly different rate calculation, and prices can be substantially lower or higher depending on individual risk factors. In Colorado, car insurance prices range from $842 with The Hartford to as much as $2,968 with Unitrin. Companies like Grange, USAA, and Nationwide fall in the middle.

Those are not necessarily the prices you would pay, as where you live in Colorado, your vehicle make and model, and your driving record have to be factored in.

Colorado Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm20.40%$1,234
2Allstate9.68%$2,035
3Progressive9.14%$1,349
4USAA9.05%$1,019
5Geico8.91%$1,164
6Farmers Insurance8.59%$1,597
7American Family7.92%$1,288
8Liberty Mutual5.85%N/A
9Nationwide2.21%$1,132
10Travelers2.07%$1,195
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

An older driver with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

The type of car, truck, or SUV you buy is a primary factor in determining the price of car insurance in Colorado. Buying a less expensive and lower-performance model will have a lower insurance cost thanks to cheaper repair costs and reduced frequency of accidents.

The following table shows car insurance premium estimates for some of the more popular vehicles that are insured in Colorado.

Colorado Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4685.6%
Dodge Ram$1,5088.1%
Ford Escape$1,152-20.3%
Ford Focus$1,344-3.1%
Ford Fusion$1,4705.7%
Ford F-150$1,306-6.1%
GMC Acadia$1,278-8.5%
GMC Sierra$1,4403.8%
Honda Accord$1,294-7.1%
Honda Civic$1,5188.7%
Honda CR-V$1,122-23.5%
Honda Pilot$1,318-5.2%
Hyundai Sonata$1,4081.6%
Kia Optima$1,4363.5%
Nissan Altima$1,4282.9%
Nissan Rogue$1,3940.6%
Toyota Camry$1,4142%
Toyota Corolla$1,384-0.1%
Toyota Prius$1,286-7.8%
Toyota RAV4$1,308-6%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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The area you live in makes a big difference in auto insurance prices. Rural areas could have rates as low as $1,100 a year, while some neighborhoods in Pueblo and Denver may see rates upwards of $1,900. Even different areas close to each other in the same city can have large rate differences.

These geographic rate differences illustrate the importance of getting rates for your specific Colorado zip code.

View Chart as Image

Colorado insurance rates by city

Since rates can be so different, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates may be quite different.

Colorado Auto Insurance Articles

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Rates by Driver Age

Colorado Insurance Rates by Driver Age
Driver AgePremium
16$5,104
20$3,206
30$1,454
40$1,386
50$1,266
60$1,242

Full coverage, $500 deductibles

Rates by Deductible

Colorado Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,770
$250$1,594
$500$1,386
$1,000$1,188

Full coverage, driver age 40

Rates by Liability Limit

Colorado Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,386
50/100$1,458
100/300$1,547
250/500$1,780
100 CSL$1,493
300 CSL$1,690
500 CSL$1,834

Full coverage, driver age 40

Rates for High Risk Drivers

Colorado Car Insurance Rates for High Risk Drivers
AgePremium
16$7,292
20$5,086
30$3,068
40$2,998
50$2,860
60$2,830

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$74
Multi-vehicle$71
Homeowner$19
5-yr Accident Free$104
5-yr Claim Free$89
Paid in Full/EFT$65
Advance Quote$69
Online Quote$98
Total Discounts$589
Rate after discounts $797

Discounts are estimated and may not be available from every company or in every state.

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