Colorado Car Insurance Calculator
Calculate your auto insurance cost in Colorado. Compare with state averages and find savings.
$2,123
Avg Annual Premium
25/50/15
Min Liability
Monthly Avg
$177
Full Coverage
$2,678
Min Coverage
$698
Uninsured Rate
11.2%
Colorado Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Colorado
Hail damage claimsMountain drivingPopulation growth
Major Metro Areas in Colorado
DenverColorado SpringsAuroraFort CollinsBoulder
FAQ
Colorado Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Colorado
The average annual car insurance premium in Colorado is $2,123, or about $177 per month. Full coverage averages $2,678 annually, while minimum coverage averages $698. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Colorado requires minimum liability coverage of 25/50/15 ($25,000/$50,000 for bodily injury and $15,000 for property damage).
Key factors affecting Colorado car insurance rates include: Hail damage claims, Mountain driving, Population growth. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 11.2% of drivers in Colorado are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Colorado car insurance: 1) Compare quotes from multiple insurers like State Farm, USAA, GEICO. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Colorado include: State Farm, USAA, GEICO, Progressive, American Family. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
CO Insurance Costs
Average premiums in Colorado:
- Annual Average$2,123
- Monthly Average$177
- Full Coverage$2,678
- Minimum Coverage$698
CO Requirements
Minimum coverage required:
- Liability25/50/15
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate11.2%
Top CO Insurers
Popular insurance companies:
- •State Farm
- •USAA
- •GEICO
- •Progressive
- •American Family