- Average car insurance cost in Colorado is $2,602 per year, or around $217 per month.
- When compared to other West region states, Colorado ranks ninth out of 11 states for cheapest car insurance rates and ranks 37th out of all 50 U.S. states.
- Some of the cheapest car insurance in Colorado can be found on models like the Nissan Kicks, Hyundai Venue, Buick Envision, and Subaru Crosstrek.
What is average car insurance cost in Colorado?
The average cost of car insurance in Colorado is $2,602 per year, which is 15.8% more expensive than the national average rate of $2,221. Average car insurance cost per month in Colorado is around $217 for full coverage.
Average Colorado car insurance quotes for some of the most popular vehicles include the Subaru Forester at an average of $2,316 per year, the Honda CR-V at $2,216, the Toyota RAV4 at $2,400, the Toyota Tacoma at $2,634, and the Jeep Wrangler at $2,970 per year.
The chart below shows average car insurance in Colorado broken out by driver age and policy deductible limits. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.
Colorado auto insurance rates in the chart above range from $1,824 per year for a 60-year-old driver with $1,000 deductibles to $6,088 per year for a 20-year-old driver with $250 deductibles.
As monthly rates, average cost of car insurance per month in Colorado ranges from $152 to $507 for the rates shown in the chart.
Is Colorado expensive compared to other states?
When compared to surrounding states, average Colorado car insurance quotes are 13.2% more expensive than Wyoming, 14% more expensive than Utah, 18.4% more expensive than New Mexico, 6% more expensive than Kansas, and 17.3% more expensive than Nebraska.
It’s not all doom and gloom, however. When compared to states in other parts of the country, the average cost of auto insurance in Colorado is 8.8% cheaper than California, 5.6% cheaper than New York, 8% cheaper than Nevada, 5.7% cheaper than Florida, and 9.4% cheaper than Michigan.
The chart below compares the cost of car insurance in Colorado to other states in the western U.S. Colorado ranks ninth out of 11 states in the West region for cheapest car insurance rates, with only California and Nevada having more expensive average rates.
Colorado car insurance rates by vehicle segment
The chart below shows average car insurance rates in Colorado for all the different vehicle segments like compact cars, midsize SUVs, and luxury models. Average rates general cost the least on vehicles in segments like compact SUVs, vans, and midsize pickups.
The chart above shows average car insurance rates for each segment, but the next section breaks out the individual cars, trucks, and SUVs that have the overall cheapest average car insurance rates in Colorado.
What is the cheapest car insurance in Colorado?
The cheapest overall car insurance quotes in Colorado will be found on small SUVs like the Chevrolet Trailblazer, Kia Soul, Buick Envision, and Hyundai Venue.
Average auto insurance quotes for those small SUVs cost $2,112 or less per year ($176 per month) for full coverage.
Some additional models that are in the top 20 in our car insurance cost comparison are the Honda HR-V, Buick Envista, Nissan Murano, and Ford Bronco Sport.
For other segments like compact and midsize cars, midsize and full-size SUVs, and luxury models, the list below shows the cheapest model to insure in each different vehicle segment.
- Cheapest compact car insurance – Toyota GR Corolla at $2,260 per year or $188 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,922 per year or $160 per month
- Cheapest midsize car insurance – Kia K5 at $2,506 per year or $209 per month
- Cheapest midsize SUV insurance – Honda Passport at $2,074 per year or $173 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,478 per year or $207 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,442 per year or $204 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,292 per year or $191 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,434 per year or $203 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,644 per year or $220 per month
- Cheapest minivan insurance – Honda Odyssey at $2,376 per year or $198 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,406 per year or $201 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,312 per year or $193 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $2,176 per year or $181 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,676 per year or $223 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,432 per year or $203 per month
- Cheapest full-size luxury car insurance – Audi A5 at $3,090 per year or $258 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,916 per year or $243 per month
The table below takes the top 50 cheapest vehicles to insure from all segments and ranks them by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,922 | $160 |
| 2 | Chevrolet Trailblazer | $1,954 | $163 |
| 3 | Kia Soul | $2,030 | $169 |
| 4 | Nissan Kicks | $2,050 | $171 |
| 5 | Honda Passport | $2,074 | $173 |
| 6 | Buick Envision | $2,086 | $174 |
| 7 | Toyota Corolla Cross | $2,096 | $175 |
| 8 | Hyundai Venue | $2,112 | $176 |
| 9 | Mazda CX-5 | $2,122 | $177 |
| 10 | Ford Bronco Sport | $2,130 | $178 |
| 11 | Volkswagen Tiguan | $2,154 | $180 |
| 12 | Acura RDX | $2,176 | $181 |
| 13 | Nissan Murano | $2,186 | $182 |
| 14 | Buick Encore | $2,208 | $184 |
| 15 | Honda CR-V | $2,216 | $185 |
| 16 | Subaru Outback | $2,216 | $185 |
| 17 | Buick Envista | $2,226 | $186 |
| 18 | Volkswagen Taos | $2,230 | $186 |
| 19 | Kia Niro | $2,238 | $187 |
| 20 | Toyota GR Corolla | $2,260 | $188 |
| 21 | Honda HR-V | $2,264 | $189 |
| 22 | Subaru Ascent | $2,266 | $189 |
| 23 | Nissan Leaf | $2,280 | $190 |
| 24 | Chevrolet Colorado | $2,292 | $191 |
| 25 | Honda Civic | $2,304 | $192 |
| 26 | Lexus NX 250 | $2,304 | $192 |
| 27 | Volkswagen Atlas | $2,308 | $192 |
| 28 | Acura Integra | $2,312 | $193 |
| 29 | Subaru Forester | $2,316 | $193 |
| 30 | Volkswagen Atlas Cross Sport | $2,318 | $193 |
| 31 | Kia Seltos | $2,324 | $194 |
| 32 | GMC Terrain | $2,326 | $194 |
| 33 | Nissan Rogue | $2,338 | $195 |
| 34 | Hyundai Kona | $2,342 | $195 |
| 35 | Cadillac XT4 | $2,348 | $196 |
| 36 | Mazda CX-30 | $2,348 | $196 |
| 37 | Ford Explorer | $2,358 | $197 |
| 38 | Volkswagen ID4 | $2,358 | $197 |
| 39 | Toyota Highlander | $2,366 | $197 |
| 40 | Ford Escape | $2,374 | $198 |
| 41 | Honda Odyssey | $2,376 | $198 |
| 42 | Toyota Venza | $2,376 | $198 |
| 43 | Nissan Sentra | $2,384 | $199 |
| 44 | Subaru Impreza | $2,392 | $199 |
| 45 | Chevrolet Equinox | $2,398 | $200 |
| 46 | Toyota RAV4 | $2,400 | $200 |
| 47 | Mazda MX-5 Miata | $2,406 | $201 |
| 48 | Mazda MX-30 | $2,414 | $201 |
| 49 | Hyundai Tucson | $2,418 | $202 |
| 50 | Chevrolet Traverse | $2,428 | $202 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Colorado Zip Codes. Updated June 26, 2025
Colorado car insurance rates for popular vehicles
The cheapest vehicles to insure are not always the most popular. An in Colorado, off-road capable vehicles are some of the most popular.
The chart below shows average auto insurance rates in Colorado for 20 hand-picked vehicles that give drivers the option to hit the high country. Models include a full lineup of Jeeps and Subarus, the Ford Bronco, Toyota Tacoma and 4Runner, and many capable SUVs and full-size pickups.
Colorado car insurance rates by city
Listed below are some of the larger cities in Colorado and the average annual and monthly car insurance rates for each. Visit any page to view detailed rate information, including average rates, cost comparisons, and the cheapest vehicles to insure in each city.
- Denver Car Insurance - $2,782 per year or $232 per month
- Colorado Springs Car Insurance - $2,738 per year or $228 per month
- Aurora Car Insurance - $2,852 per year or $238 per month
- Fort Collins Car Insurance - $2,382 per year or $199 per month
- Lakewood Car Insurance - $2,836 per year or $236 per month
- Thornton Car Insurance - $2,828 per year or $236 per month
- Pueblo Car Insurance - $3,008 per year or $251 per month
- Arvada Car Insurance - $2,580 per year or $215 per month