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 $1,930 per year, which is 11% more expensive than the national average rate of $1,728. Average car insurance cost per month in Colorado is around $161 for full coverage.

Average Colorado car insurance quotes for some of the most popular vehicles include the Subaru Forester at an average of $1,630 per year, the Honda CR-V at $1,638, the Toyota RAV4 at $1,788, the Toyota Tacoma at $1,762, and the Jeep Wrangler at $2,138 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.

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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 August 11, 2023
Average Car Insurance Cost in Colorado
Average Car Insurance Cost in Colorado
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,250$271
$500$3,840$320
$250$4,462$372
30$1,000$1,706$142
$500$2,038$170
$250$2,378$198
40$1,000$1,628$136
$500$1,930$161
$250$2,244$187
50$1,000$1,488$124
$500$1,758$147
$250$2,042$170
60$1,000$1,460$122
$500$1,726$144
$250$2,004$167

Colorado auto insurance rates in the chart above range from $1,460 per year for a 60-year-old driver with $1,000 deductibles to $4,462 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 $122 to $372 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 18.4% more expensive than Wyoming, 19.7% more expensive than Utah, 25.7% more expensive than New Mexico, 8.3% more expensive than Kansas, and 24.3% 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 11.8% cheaper than California, 7.7% cheaper than New York, 10.8% cheaper than Nevada, 14.2% cheaper than Florida, and 23.3% 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$1,242-$688
Idaho$1,296-$634
Alaska$1,374-$556
Utah$1,584-$346
Wyoming$1,604-$326
Washington$1,630-$300
Montana$1,656-$274
Oregon$1,684-$246
Colorado$1,930--
Nevada$2,150$220
California$2,172$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 August 12, 2023
Colorado Car Insurance Rates by Vehicle Segment
Colorado Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,758$147
Midsize Pickup$1,822$152
Midsize SUV$1,884$157
Minivan$1,892$158
Compact Car$1,924$160
Midsize Car$1,968$164
Compact Luxury SUV$2,088$174
Half-ton Pickup$2,098$175
Large SUV$2,110$176
Compact Luxury Car$2,126$177
Heavy Duty Pickup$2,220$185
Midsize Luxury SUV$2,242$187
Large Car$2,246$187
Midsize Luxury Car$2,454$205
Sports Car$2,640$220
Large Luxury SUV$2,836$236
Large Luxury Car$2,982$249

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 $1,542 or less per year ($129 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 $1,598 per year or $133 per month
  • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,460 per year or $122 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,778 per year or $148 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,500 per year or $125 per month
  • Cheapest full-size car insuranceChrysler 300 at $1,882 per year or $157 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,808 per year or $151 per month
  • Cheapest midsize pickup insuranceFord Maverick at $1,604 per year or $134 per month
  • Cheapest full-size pickup insuranceNissan Titan at $1,910 per year or $159 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,978 per year or $165 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,764 per year or $147 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,784 per year or $149 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,734 per year or $145 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,610 per year or $134 per month
  • Cheapest midsize luxury car insuranceCadillac CT5 at $2,078 per year or $173 per month
  • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,728 per year or $144 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $2,166 per year or $181 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,992 per year or $166 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$1,460$122
2Subaru Crosstrek$1,474$123
3Nissan Kicks$1,480$123
4Honda Passport$1,500$125
5Nissan Rogue Sport$1,506$126
6Mazda CX-5$1,518$127
7Buick Encore$1,538$128
8Buick Envision$1,542$129
9Kia Seltos$1,564$130
10Subaru Ascent$1,570$131
11Hyundai Venue$1,574$131
12Subaru Impreza$1,598$133
13Ford Maverick$1,604$134
14Chevrolet Colorado$1,606$134
15Honda HR-V$1,606$134
16Acura RDX$1,610$134
17Hyundai Kona$1,620$135
18Subaru Forester$1,630$136
19Ford Edge$1,636$136
20Honda CR-V$1,638$137
21Mazda CX-30$1,642$137
22Ford Explorer$1,644$137
23Volkswagen Atlas$1,648$137
24Chevrolet Trax$1,658$138
25Nissan Murano$1,660$138
26Subaru Outback$1,660$138
27Nissan Frontier$1,668$139
28Volkswagen Tiguan$1,676$140
29Ford Bronco Sport$1,682$140
30Fiat 500X$1,712$143
31Ford Ranger$1,714$143
32GMC Terrain$1,714$143
33Kia Soul$1,718$143
34Mitsubishi Eclipse Cross$1,722$144
35Volkswagen Atlas Cross Sport$1,724$144
36Lexus RX 350$1,728$144
37Acura Integra$1,734$145
38Chevrolet Equinox$1,738$145
39Cadillac XT4$1,742$145
40Toyota Corolla Cross$1,744$145
41Volkswagen Taos$1,750$146
42GMC Canyon$1,754$146
43Toyota Venza$1,760$147
44Mazda CX-50$1,762$147
45Toyota Tacoma$1,762$147
46Honda Odyssey$1,764$147
47Volkswagen Jetta$1,764$147
48Hyundai Tucson$1,768$147
49Ford Escape$1,770$148
50Kia Sorento$1,770$148

    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 August 12, 2023
    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 August 12, 2023
    Colorado Car Insurance Rates for Popular Vehicles
    Colorado Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,474$123
    Honda Passport$1,500$125
    Mazda CX-5$1,518$127
    Subaru Forester$1,630$136
    Honda CR-V$1,638$137
    Ford Explorer$1,644$137
    Subaru Outback$1,660$138
    Ford Ranger$1,714$143
    Toyota Tacoma$1,762$147
    Nissan Rogue$1,776$148
    Toyota RAV4$1,788$149
    Toyota 4Runner$1,808$151
    Ford F150$1,962$164
    Jeep Gladiator$2,008$167
    Jeep Grand Cherokee$2,050$171
    Jeep Cherokee$2,096$175
    Ram Truck$2,110$176
    Chevrolet Silverado$2,112$176
    Jeep Wrangler$2,138$178
    Ford Bronco$2,148$179

    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.