Colorado Car Insurance Cost for 2021

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 $1,620 per year, which is 6.4% more expensive than the national average rate of $1,523. Average car insurance cost per month in Colorado is around $135 for full coverage.

Average Colorado car insurance quotes for some of the most popular vehicles include the Subaru Forester at an average of $1,204 per year, the Honda CR-V at $1,220, the Toyota RAV4 at $1,560, the Toyota Tacoma at $1,366, and the Jeep Wrangler at $1,672 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 2021 vehicle models including luxury brand cars and SUVs.

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Chart Data Details: Chart shows average Colorado car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Colorado zip codes.
Average Car Insurance Cost in Colorado
Average Car Insurance Cost in Colorado
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,734$228
$500$3,224$269
$250$3,740$312
30$1,000$1,432$119
$500$1,706$142
$250$1,992$166
40$1,000$1,370$114
$500$1,620$135
$250$1,884$157
50$1,000$1,250$104
$500$1,474$123
$250$1,710$143
60$1,000$1,226$102
$500$1,448$121
$250$1,678$140

Colorado auto insurance rates in the chart above range from $1,226 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 $102 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 20% more expensive than Wyoming, 30.6% higher than Utah, 23.3% higher than New Mexico, 22.9% higher than Kansas, and 35% higher than Nebraska.

The only state that borders Colorado that has more expensive average car insurance rates is Oklahoma, which is 0.9% 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 3.3% cheaper than California, 3.7% cheaper than New York, 4.6% cheaper than Nevada, 20.8% cheaper than Florida, and 40.4% 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.

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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
Idaho$1,016-$604
Alaska$1,192-$428
Washington$1,196-$424
Hawaii$1,204-$416
Utah$1,240-$380
Oregon$1,342-$278
Wyoming$1,350-$270
Montana$1,392-$228
Colorado$1,620--
California$1,676$56
Nevada$1,698$78

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 range from around $1,460 per year for the compact SUV segment to over $3,300 per year for the exotic performance segment.

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Chart Data Details: Average Colorado car insurance cost by segment is based on 2021 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.
Colorado Car Insurance Rates by Vehicle Segment
Colorado Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,460$122
Midsize Truck$1,474$123
Large Van$1,480$123
Midsize Minivan$1,506$126
Midsize SUV$1,576$131
Midsize Van$1,590$133
Small Car$1,624$135
Large Truck$1,640$137
Midsize Car$1,662$139
Large SUV$1,676$140
Small Luxury SUV$1,702$142
Large Car$1,762$147
Heavy Duty Truck$1,822$152
Midsize Luxury SUV$1,828$152
Small Luxury Car$1,884$157
Midsize Luxury Car$2,146$179
Large Luxury SUV$2,186$182
Sports Car$2,368$197
Large Luxury Car$2,502$209
Exotic Car$3,328$277

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 Subaru Forester, Honda CR-V, Mazda CX-3, and Toyota C-HR. Annual rates in Colorado for those models average $1,204, $1,220, $1,274, and $1,284 per year, respectively.

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 insuranceVolkswagen Golf at $1,294 per year or $108 per month
  • Cheapest compact SUV insuranceSubaru Forester at $1,204 per year or $100 per month
  • Cheapest midsize car insuranceMazda 6 at $1,504 per year or $125 per month
  • Cheapest midsize SUV insuranceFord Edge at $1,288 per year or $107 per month
  • Cheapest full-size car insuranceKia Cadenza at $1,646 per year or $137 per month
  • Cheapest full-size SUV insuranceToyota Sequoia at $1,600 per year or $133 per month
  • Cheapest midsize pickup insuranceToyota Tacoma at $1,366 per year or $114 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,544 per year or $129 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,746 per year or $146 per month
  • Cheapest minivan insuranceKia Sedona at $1,374 per year or $115 per month
  • Cheapest sports car insuranceMazda Miata at $1,484 per year or $124 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,588 per year or $132 per month
  • Cheapest compact luxury SUV insuranceVolvo XC40 at $1,338 per year or $112 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,514 per year or $126 per month
  • Cheapest midsize luxury SUV insuranceVolvo V60 at $1,530 per year or $128 per month
  • Cheapest full-size luxury car insuranceVolvo S90 at $1,768 per year or $147 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,556 per year or $130 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
1Subaru Forester$1,204$100
2Honda CR-V$1,220$102
3Ram Promaster City$1,266$106
4Mazda CX-3$1,274$106
5Toyota C-HR$1,284$107
6Kia Sportage$1,286$107
7Ford Edge$1,288$107
8Volkswagen Golf$1,294$108
9Mazda CX-5$1,306$109
10Subaru Crosstrek$1,322$110
11Chevrolet Spark$1,334$111
12Volvo XC40$1,338$112
13Hyundai Venue$1,346$112
14Volkswagen Atlas$1,358$113
15Subaru Impreza$1,362$114
16Hyundai Kona$1,364$114
17Kia Soul$1,364$114
18Toyota Tacoma$1,366$114
19Kia Telluride$1,368$114
20Chevrolet Blazer$1,372$114
21Jeep Compass$1,374$115
22Kia Sedona$1,374$115
23Subaru Outback$1,376$115
24Chevrolet Colorado$1,378$115
25Kia Rio5$1,378$115
26Mazda CX-30$1,378$115
27Honda Passport$1,380$115
28Nissan Kicks$1,380$115
29Mitsubishi Eclipse Cross$1,382$115
30Subaru Ascent$1,382$115
31Ford Escape$1,384$115
32Hyundai Tucson$1,386$116
33Nissan Frontier$1,396$116
34Acura RDX$1,398$117
35Volkswagen Tiguan$1,398$117
36Honda Pilot$1,400$117
37Toyota Corolla$1,406$117
38Ford Ecosport$1,408$117
39Buick Envision$1,416$118
40Kia Seltos$1,420$118
41Nissan Rogue Sport$1,430$119
42Chevrolet Trax$1,438$120
43Chevrolet Trailblazer$1,440$120
44Cadillac XT4$1,444$120
45Buick Encore$1,452$121
46Chevrolet Express$1,454$121
47Nissan Rogue$1,458$122
48Jeep Renegade$1,460$122
49Chevrolet Equinox$1,464$122
50Nissan Murano$1,464$122

    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.
    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 2021 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.
    Colorado Car Insurance Rates for Popular Vehicles
    Colorado Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Forester$1,204$100
    Honda CR-V$1,220$102
    Mazda CX-5$1,306$109
    Subaru Crosstrek$1,322$110
    Toyota Tacoma$1,366$114
    Subaru Outback$1,376$115
    Honda Passport$1,380$115
    Nissan Rogue$1,458$122
    Ford Ranger$1,504$125
    Jeep Gladiator$1,512$126
    Ford F150$1,544$129
    Toyota 4Runner$1,544$129
    Toyota RAV4$1,560$130
    Ford Explorer$1,606$134
    Jeep Wrangler$1,672$139
    Ford Bronco$1,678$140
    Chevrolet Silverado$1,688$141
    Ram Truck$1,764$147
    Jeep Grand Cherokee$1,772$148
    Jeep Cherokee$1,826$152

    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.