Colorado Car Insurance Quotes & Average Rates
Full coverage car insurance in Colorado is estimated at $2,744 a year, or $229 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $711 a year. Colorado is an at-fault state, and drivers must carry 25/50/15 liability limits. Below you will find estimated rates for 43 Colorado cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Colorado
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Colorado
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $2,085 | $174 | -24% | Military members and families only |
| Geico | $2,250 | $188 | -18% | Usually cheapest for clean records |
| State Farm | $2,415 | $201 | -12% | Strong for young and student drivers |
| Progressive | $2,607 | $217 | -5% | Competitive after a ticket or accident |
| Travelers | $2,662 | $222 | -3% | Good multi-policy discounts |
| Nationwide | $2,744 | $229 | 0% | Mid-market, wide availability |
| Allstate | $3,128 | $261 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $3,320 | $277 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Colorado. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Colorado car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $7,411 | $1,921 | $618 |
| 18 years old | $6,251 | $1,621 | $521 |
| 20 years old | $5,176 | $1,342 | $431 |
| 22 years old | $4,299 | $1,115 | $358 |
| 25 years old | $3,281 | $851 | $273 |
| 30 years old | $2,829 | $733 | $236 |
| 40 years old | $2,659 | $689 | $222 |
| 50 years old | $2,546 | $660 | $212 |
| 60 years old | $2,517 | $653 | $210 |
| 65 years old | $2,631 | $682 | $219 |
| 70 years old | $2,885 | $748 | $240 |
| 75 years old | $3,366 | $873 | $280 |
Estimated premiums by age in Colorado, clean record, sedan.
How violations change your Colorado premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,744 | — |
| 1 speeding ticket | $3,375 | +23% |
| 1 at-fault accident | $4,033 | +47% |
| DUI / DWI | $5,186 | +89% |
What a violation costs a 35-year-old in Colorado. Surcharges normally stay on the policy for three to five years.
A DUI in Colorado usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Colorado minimum insurance requirements
| Required coverage in Colorado | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $15,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Colorado Department of Insurance before you buy.
Coverage levels in Colorado
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $711 | $59 |
| Full coverage (100/300/100 + comp & collision) | $2,744 | $229 |
| Full coverage, high limits + low deductible | $3,265 | $272 |
Coverage level comparison for Colorado.
Car insurance rates in Colorado cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 43 Colorado cities we price.