Chevrolet Colorado LT 4WD Insurance Rates

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U.S. average insurance prices for a Chevrolet Colorado LT 4WD are $1,086 every 12 months including full coverage. Comprehensive costs approximately $258 each year, collision insurance costs $382, and liability insurance costs around $310. Liability-only coverage costs as low as $370 a year, and high-risk coverage costs around $2,310. Teen drivers pay the highest rates at up to $3,976 a year.

Annual premium for full coverage: $1,086

Price estimates by individual coverage:

Comprehensive $258
Collision $382
Liability $310

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

Price Range for Insurance for this Chevrolet Colorado Trim Level

For an average driver, Chevrolet Colorado LT 4WD insurance prices range from the cheapest price of $370 for the bare minimum liability coverage to a high rate of $2,310 for a driver required to buy high-risk insurance.

Liability Only $370
Full Coverage $1,086
High Risk $2,310

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

These price ranges highlight why all drivers should compare prices using their specific location and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Chevrolet Colorado LT 4WD are also quite variable based on deductibles and policy limits, your driving characteristics, and the replacement cost of your Colorado.

Choosing high deductibles could cut rates by as much as $430 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,000 a year for full coverage. Rates are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Chevrolet Colorado LT 4WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Since rates can be so different, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates may be quite different.

View Chart as Image

Chevrolet Colorado LT 4WD insurance cost comparison chart
Column chart showing Chevrolet Colorado LT 4WD insurance prices range from $640 to $3,976 for full coverage

The chart above shows average Chevrolet Colorado LT 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $640. Drivers who choose higher $1,000 deductibles will pay $940. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,086. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,362. High risk drivers could be charged at least $2,310. The policy rate for full coverage insurance for a teenager can be as high as $3,976.

Chevrolet Colorado LT 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $978 -$108 -9.9%
Alaska $830 -$256 -23.6%
Arizona $898 -$188 -17.3%
Arkansas $1,086 -$0 0.0%
California $1,234 $148 13.6%
Colorado $1,034 -$52 -4.8%
Connecticut $1,112 $26 2.4%
Delaware $1,224 $138 12.7%
Florida $1,354 $268 24.7%
Georgia $1,002 -$84 -7.7%
Hawaii $778 -$308 -28.4%
Idaho $734 -$352 -32.4%
Illinois $806 -$280 -25.8%
Indiana $816 -$270 -24.9%
Iowa $730 -$356 -32.8%
Kansas $1,028 -$58 -5.3%
Kentucky $1,476 $390 35.9%
Louisiana $1,604 $518 47.7%
Maine $668 -$418 -38.5%
Maryland $892 -$194 -17.9%
Massachusetts $864 -$222 -20.4%
Michigan $1,878 $792 72.9%
Minnesota $908 -$178 -16.4%
Mississippi $1,298 $212 19.5%
Missouri $960 -$126 -11.6%
Montana $1,162 $76 7.0%
Nebraska $852 -$234 -21.5%
Nevada $1,298 $212 19.5%
New Hampshire $782 -$304 -28.0%
New Jersey $1,212 $126 11.6%
New Mexico $958 -$128 -11.8%
New York $1,140 $54 5.0%
North Carolina $624 -$462 -42.5%
North Dakota $886 -$200 -18.4%
Ohio $748 -$338 -31.1%
Oklahoma $1,112 $26 2.4%
Oregon $994 -$92 -8.5%
Pennsylvania $1,032 -$54 -5.0%
Rhode Island $1,444 $358 33.0%
South Carolina $982 -$104 -9.6%
South Dakota $912 -$174 -16.0%
Tennessee $946 -$140 -12.9%
Texas $1,306 $220 20.3%
Utah $800 -$286 -26.3%
Vermont $740 -$346 -31.9%
Virginia $648 -$438 -40.3%
Washington $834 -$252 -23.2%
West Virginia $994 -$92 -8.5%
Wisconsin $748 -$338 -31.1%
Wyoming $964 -$122 -11.2%

View Chart as Image

Chevrolet Colorado LT 4WD insurance rates by U.S. city

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Rates by Driver Age

Chevrolet Colorado LT 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $3,976
20 $2,458
30 $1,128
40 $1,086
50 $988
60 $970

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Colorado LT 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,362
$250 $1,236
$500 $1,086
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Colorado LT 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,086
50/100 $1,148
100/300 $1,226
250/500 $1,427
100 CSL $1,179
300 CSL $1,350
500 CSL $1,474

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Colorado LT 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $5,658
20 $3,894
30 $2,362
40 $2,310
50 $2,202
60 $2,180

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $54
Homeowner $16
5-yr Accident Free $76
5-yr Claim Free $68
Paid in Full/EFT $48
Advance Quote $51
Online Quote $76
Total Discounts $446
Rate after discounts $640

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

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