Colorado Car Insurance Cost for 2023

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 $1,892 per year, which is 12.3% more expensive than the national average rate of $1,685. Average car insurance cost per month in Colorado is around $158 for full coverage.

Average Colorado car insurance quotes for some of the most popular vehicles include the Subaru Forester at an average of $1,594 per year, the Honda CR-V at $1,602, the Toyota RAV4 at $1,752, the Toyota Tacoma at $1,730, and the Jeep Wrangler at $2,098 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 2023 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Colorado car insurance rates for 2023 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 December 30, 2022
Average Car Insurance Cost in Colorado
Average Car Insurance Cost in Colorado
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,186$266
$500$3,764$314
$250$4,374$365
30$1,000$1,670$139
$500$1,992$166
$250$2,328$194
40$1,000$1,598$133
$500$1,892$158
$250$2,200$183
50$1,000$1,456$121
$500$1,722$144
$250$2,000$167
60$1,000$1,430$119
$500$1,692$141
$250$1,966$164

Colorado auto insurance rates in the chart above range from $1,430 per year for a 60-year-old driver with $1,000 deductibles to $4,374 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 $119 to $365 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 20.8% more expensive than Wyoming, 22.4% more expensive than Utah, 30.5% more expensive than New Mexico, 8.9% more expensive than Kansas, and 28.4% 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 11.3% cheaper than California, 7.3% cheaper than New York, 10.3% cheaper than Nevada, 13.8% cheaper than Florida, and 21.6% 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$1,202-$690
Idaho$1,256-$636
Alaska$1,338-$554
Utah$1,546-$346
Wyoming$1,566-$326
Washington$1,596-$296
Montana$1,620-$272
Oregon$1,648-$244
Colorado$1,892--
Nevada$2,110$218
California$2,134$242

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 2023 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 December 30, 2022
Colorado Car Insurance Rates by Vehicle Segment
Colorado Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,720$143
Midsize Pickup$1,786$149
Midsize SUV$1,846$154
Minivan$1,854$155
Compact Car$1,882$157
Midsize Car$1,930$161
Compact Luxury SUV$2,046$171
Half-ton Pickup$2,054$171
Large SUV$2,068$172
Compact Luxury Car$2,082$174
Heavy Duty Pickup$2,174$181
Large Car$2,198$183
Midsize Luxury SUV$2,198$183
Midsize Luxury Car$2,406$201
Sports Car$2,586$216
Large Luxury SUV$2,782$232
Large Luxury Car$2,918$243

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 Crosstrek, Nissan Kicks, Mazda CX-5, and Buick Envision.

Average auto insurance quotes for those small SUVs cost $1,512 or less per year ($126 per month) for full coverage.

Some additional models that are in the top 20 in our car insurance cost comparison are the Honda CR-V, Hyundai Kona, Ford Maverick, and Subaru Ascent.

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 $1,566 per year or $131 per month
  • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,430 per year or $119 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,740 per year or $145 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,470 per year or $123 per month
  • Cheapest full-size car insuranceChrysler 300 at $1,844 per year or $154 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,772 per year or $148 per month
  • Cheapest midsize pickup insuranceFord Maverick at $1,572 per year or $131 per month
  • Cheapest full-size pickup insuranceNissan Titan at $1,872 per year or $156 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,940 per year or $162 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,728 per year or $144 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,746 per year or $146 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,698 per year or $142 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,578 per year or $132 per month
  • Cheapest midsize luxury car insuranceCadillac CT5 at $2,036 per year or $170 per month
  • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,692 per year or $141 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $2,122 per year or $177 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,952 per year or $163 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
1Chevrolet Trailblazer$1,430$119
2Subaru Crosstrek$1,444$120
3Nissan Kicks$1,448$121
4Honda Passport$1,470$123
5Nissan Rogue Sport$1,474$123
6Mazda CX-5$1,486$124
7Buick Encore$1,506$126
8Buick Envision$1,512$126
9Kia Seltos$1,532$128
10Subaru Ascent$1,538$128
11Hyundai Venue$1,544$129
12Subaru Impreza$1,566$131
13Ford Maverick$1,572$131
14Honda HR-V$1,572$131
15Acura RDX$1,578$132
16Chevrolet Colorado$1,578$132
17Hyundai Kona$1,586$132
18Subaru Forester$1,594$133
19Honda CR-V$1,602$134
20Ford Edge$1,604$134
21Mazda CX-30$1,610$134
22Ford Explorer$1,614$135
23Volkswagen Atlas$1,616$135
24Chevrolet Trax$1,624$135
25Nissan Murano$1,624$135
26Subaru Outback$1,628$136
27Nissan Frontier$1,632$136
28Volkswagen Tiguan$1,642$137
29Ford Bronco Sport$1,648$137
30Fiat 500X$1,678$140
31Ford Ranger$1,680$140
32GMC Terrain$1,680$140
33Kia Soul$1,682$140
34Mitsubishi Eclipse Cross$1,686$141
35Volkswagen Atlas Cross Sport$1,688$141
36Lexus RX 350$1,692$141
37Acura Integra$1,698$142
38Chevrolet Equinox$1,702$142
39Cadillac XT4$1,706$142
40Toyota Corolla Cross$1,706$142
41Volkswagen Taos$1,716$143
42GMC Canyon$1,718$143
43Toyota Venza$1,724$144
44Mazda CX-50$1,726$144
45Volkswagen Jetta$1,726$144
46Honda Odyssey$1,728$144
47Hyundai Tucson$1,730$144
48Toyota Tacoma$1,730$144
49Ford Escape$1,734$145
50Kia Sorento$1,734$145

    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 December 30, 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 2023 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 December 29, 2022
    Colorado Car Insurance Rates for Popular Vehicles
    Colorado Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,444$120
    Honda Passport$1,470$123
    Mazda CX-5$1,486$124
    Subaru Forester$1,594$133
    Honda CR-V$1,602$134
    Ford Explorer$1,614$135
    Subaru Outback$1,628$136
    Ford Ranger$1,680$140
    Toyota Tacoma$1,730$144
    Nissan Rogue$1,742$145
    Toyota RAV4$1,752$146
    Toyota 4Runner$1,772$148
    Ford F150$1,924$160
    Jeep Gladiator$1,966$164
    Jeep Grand Cherokee$2,010$168
    Jeep Cherokee$2,056$171
    Ram Truck$2,066$172
    Chevrolet Silverado$2,068$172
    Jeep Wrangler$2,098$175
    Ford Bronco$2,106$176

    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.