The average driver in Colorado pays about $1,655 a year for full coverage — about 15% more than the US average of $1,438. That ranks Colorado #9 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $794, a high-loss one well over $12,187.
Colorado insurance cost by coverage
Average Colorado premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Colorado
Colorado legally requires at least 25/50/15 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Colorado
Estimated annual premium in Colorado, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Colorado
The priciest cars to insure in Colorado — powerful, theft-prone and costly to repair.
Colorado insurance cost by year
Colorado premiums are up about +24% since 2019. Average Colorado premium by year:
| Year | Colorado avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Colorado's largest cities
Rates vary within Colorado by city and ZIP — dense metros like Denver run above the state average, while smaller towns run below. Estimated typical premium in Colorado's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Denver | $1,821/yr | +10% urban |
| Colorado Springs | $1,771/yr | +7% urban |
| Aurora | $1,738/yr | +5% urban |
| Fort Collins | $1,721/yr | +4% urban |
| Lakewood | $1,688/yr | +2% urban |
| Boulder | $1,672/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.