Colorado Car Insurance Cost for 2022

How much does auto insurance cost in Colorado? We break down average insurance rates and reveal the vehicles with cheap car insurance quotes in Colorado.

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What is average car insurance cost in Colorado?

The average cost of car insurance in Colorado is $1,626 per year, which is 3.8% more expensive than the national average rate of $1,567. Average car insurance cost per month in Colorado is around $136 for full coverage.

Average Colorado car insurance quotes for some of the most popular vehicles include the Subaru Forester at an average of $1,408 per year, the Honda CR-V at $1,422, the Toyota RAV4 at $1,534, the Toyota Tacoma at $1,512, and the Jeep Wrangler at $1,862 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 2022 vehicle models including luxury brand cars and SUVs.

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Chart Data Details: Chart shows average Colorado car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Colorado zip codes.Data last updated on June 24, 2022
Average Car Insurance Cost in Colorado
Average Car Insurance Cost in Colorado
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,740$228
$500$3,228$269
$250$3,740$312
30$1,000$1,438$120
$500$1,712$143
$250$1,996$166
40$1,000$1,374$115
$500$1,626$136
$250$1,886$157
50$1,000$1,254$105
$500$1,480$123
$250$1,714$143
60$1,000$1,230$103
$500$1,452$121
$250$1,682$140

Colorado auto insurance rates in the chart above range from $1,230 per year for a 60-year-old driver with $1,000 deductibles to $3,740 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 $103 to $312 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 16.1% more expensive than Wyoming, 29.3% higher than Utah, 33.7% higher than New Mexico, 6% higher than Kansas, and 11.7% higher than Nebraska.

The only state that borders Colorado that has more expensive average car insurance rates is Oklahoma, which is 9.9% more expensive than Colorado.

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 6.8% cheaper than California, 0.4% cheaper than New York, 2.8% cheaper than Nevada, 27% cheaper than Florida, and 32.9% 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.

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Colorado Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Colorado Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,034-$592
Washington$1,158-$468
Idaho$1,202-$424
Utah$1,258-$368
Oregon$1,276-$350
Alaska$1,338-$288
Wyoming$1,400-$226
Montana$1,484-$142
Colorado$1,626--
Nevada$1,672$46
California$1,744$118

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.

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Chart Data Details: Average Colorado car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Colorado Zip Codes.Data last updated on June 24, 2022
Colorado Car Insurance Rates by Vehicle Segment
Colorado Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,520$127
Midsize Pickup$1,558$130
Minivan$1,638$137
Midsize SUV$1,644$137
Compact Car$1,674$140
Midsize Car$1,696$141
Half-ton Pickup$1,766$147
Compact Luxury SUV$1,828$152
Large SUV$1,834$153
Compact Luxury Car$1,844$154
Large Car$1,880$157
Heavy Duty Pickup$1,938$162
Midsize Luxury SUV$1,964$164
Midsize Luxury Car$2,152$179
Sports Car$2,292$191
Large Luxury SUV$2,456$205
Large Luxury Car$2,572$214

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 Nissan Kicks, Chevrolet Trailblazer, Toyota C-HR, and Nissan Rogue Sport.

Average auto insurance quotes for those small SUVs cost $1,354 or less per year ($113 per month) for full coverage.

Some additional models that are in the top 20 in our car insurance cost comparison are the Volkswagen Tiguan, Hyundai Kona, Ford Maverick, and Hyundai Venue.

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 insuranceSubaru Impreza at $1,408 per year or $117 per month
  • Cheapest compact SUV insuranceMazda CX-5 at $1,238 per year or $103 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,574 per year or $131 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,306 per year or $109 per month
  • Cheapest full-size car insuranceToyota Avalon at $1,708 per year or $142 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,630 per year or $136 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $1,338 per year or $112 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,572 per year or $131 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,766 per year or $147 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,514 per year or $126 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,410 per year or $118 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,596 per year or $133 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,394 per year or $116 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,494 per year or $125 per month
  • Cheapest midsize luxury SUV insuranceCadillac XT5 at $1,596 per year or $133 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,910 per year or $159 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,760 per year or $147 per month

The table below takes the top 50 cheapest vehicles to insure from all segments and ranks them by annual cost.

Top 50 Cheapest Vehicles to Insure Colorado
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,238$103
2Nissan Kicks$1,264$105
3Chevrolet Trailblazer$1,274$106
4Subaru Crosstrek$1,304$109
5Honda Passport$1,306$109
6Toyota C-HR$1,336$111
7Chevrolet Colorado$1,338$112
8Buick Encore$1,342$112
9Nissan Rogue Sport$1,354$113
10Hyundai Venue$1,382$115
11Buick Envision$1,384$115
12Kia Seltos$1,384$115
13Ford Maverick$1,392$116
14Toyota Corolla Cross$1,392$116
15Acura RDX$1,394$116
16Subaru Ascent$1,396$116
17Hyundai Kona$1,402$117
18Subaru Forester$1,408$117
19Subaru Impreza$1,408$117
20Mazda MX-5 Miata$1,410$118
21Volkswagen Tiguan$1,410$118
22Chevrolet Spark$1,418$118
23Honda CR-V$1,422$119
24Cadillac XT4$1,428$119
25Mazda CX-30$1,438$120
26Ford Ranger$1,446$121
27Honda HR-V$1,462$122
28Ford Edge$1,464$122
29Ford Ecosport$1,474$123
30Chevrolet Trax$1,492$124
31Subaru Outback$1,492$124
32Acura ILX$1,494$125
33GMC Terrain$1,496$125
34Mitsubishi Eclipse Cross$1,498$125
35Nissan Murano$1,508$126
36Hyundai Tucson$1,512$126
37Toyota Tacoma$1,512$126
38Honda Odyssey$1,514$126
39Chevrolet Bolt$1,516$126
40Toyota Venza$1,518$127
41Chevrolet Equinox$1,520$127
42Ford Explorer$1,526$127
43Volkswagen Taos$1,526$127
44Fiat 500X$1,530$128
45Toyota RAV4$1,534$128
46Kia Sorento$1,538$128
47Kia Soul$1,540$128
48Nissan Frontier$1,552$129
49Hyundai Palisade$1,560$130
50Volkswagen Golf$1,562$130

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Colorado.Data last updated on June 24, 2022
    Top 50 Cheapest Vehicles to Insure Colorado

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Colorado car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Colorado Zip Codes.Data last updated on June 24, 2022
    Colorado Car Insurance Rates for Popular Vehicles
    Colorado Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,238$103
    Subaru Crosstrek$1,304$109
    Honda Passport$1,306$109
    Subaru Forester$1,408$117
    Honda CR-V$1,422$119
    Ford Ranger$1,446$121
    Subaru Outback$1,492$124
    Toyota Tacoma$1,512$126
    Ford Explorer$1,526$127
    Toyota RAV4$1,534$128
    Ford F150$1,572$131
    Toyota 4Runner$1,584$132
    Nissan Rogue$1,594$133
    Jeep Gladiator$1,600$133
    Ford Bronco$1,634$136
    Chevrolet Silverado$1,746$146
    Jeep Grand Cherokee$1,796$150
    Jeep Cherokee$1,806$151
    Ram Truck$1,856$155
    Jeep Wrangler$1,862$155

    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.