How much is car insurance in Colorado?
Full-coverage car insurance in Colorado averaged $1,655 a year in 2023 (NAIC)—15% above the $1,439 US average and 9th highest in the US—which works out to about $1,960 a year in Colorado today (about $165 a month, brought to August 2026 with the federal price index). In Colorado, the law asks for at least 25/50/15 liability, and Colorado's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $782 (about $930 today).
What people pay in Colorado: 9th highest average in the US
Typical Colorado full-coverage price today
about $1,960 a year in Colorado (about $165 a month)
Colorado's 2023 NAIC full-coverage average ($1,655) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Colorado rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Colorado was the 9th most expensive of the 50 states and DC for full coverage ($1,655 vs $1,439 nationally), while ranking lower on liability alone (15th highest in the US at $782) because 53% of a full-coverage Colorado premium goes to collision and comprehensive coverage on your own car. Counting every insured car in Colorado—both full-coverage and liability-only policies—Colorado drivers spent $1,453 per vehicle on average in 2023 (11th highest in the US, about $1,720 today), or 12% ($202) less than Colorado's full-coverage combined average.
What sample drivers pay across 6 Colorado ZIP codes (DOI, 2023)
The Colorado Division of Insurance Private Passenger Automobile Premium Comparison Report (six-month figures doubled to yearly, across 67 companies) shows sample full-coverage rates in six Colorado ZIP codes. For a 45-year-old married commuter on a 2019 Toyota Camry LE (Driver C, Plan 1), the median yearly premium goes from $2,492 in Alamosa (81101) to $3,490 in Denver (80205).
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Denver (80205) | 67 | $3,490 | $1,446–$29,546 |
| Colorado Springs (80903) | 67 | $3,180 | $1,452–$11,998 |
| Sterling (80751) | 67 | $2,848 | $1,080–$8,862 |
| Highlands Ranch (80126) | 67 | $2,724 | $1,296–$10,508 |
| Craig (81625) | 67 | $2,562 | $1,002–$9,230 |
| Alamosa (81101) | 67 | $2,492 | $934–$9,476 |
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Denver (80205) | 67 | $4,866 | $1,898–$15,316 |
| Colorado Springs (80903) | 67 | $4,408 | $1,804–$15,252 |
| Sterling (80751) | 67 | $3,972 | $1,616–$11,598 |
| Highlands Ranch (80126) | 67 | $3,914 | $1,682–$13,544 |
| Craig (81625) | 67 | $3,496 | $1,474–$12,424 |
| Alamosa (81101) | 67 | $3,412 | $1,432–$12,634 |
These are sample company rates for specific profiles in six ZIP codes, not statewide averages. Six-month survey figures are doubled to yearly. Source: Colorado Division of Insurance, Private Passenger Automobile Premium Comparison Report (published as current July 2023 (rates effective July 1, 2022); checked September 22, 2026).
Colorado costs more to insure than Kansas, Nebraska, New Mexico, and 3 more bordering states
A typical full-coverage policy in Colorado ($1,655 in 2023) costs more than in all six bordering states. Among Colorado's neighbors, Wyoming had the lowest 2023 average ($1,180, moving to Colorado is about $640 more a year) and Oklahoma had the highest ($1,324, moving to Colorado is about $440 more a year).
| State | 2023 average | Moving to Colorado from there |
|---|---|---|
| Colorado | $1,655 | Current state (Colorado) |
| Kansas | $1,182 | About $630 more a year |
| Nebraska | $1,184 | About $630 more a year |
| New Mexico | $1,301 | About $470 more a year |
| Oklahoma | $1,324 | About $440 more a year |
| Utah | $1,285 | About $490 more a year |
| Wyoming | $1,180 | About $640 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: New Jersey ($1,693 in 2023, about $2,010 today), Maryland ($1,602 in 2023, about $1,900 today), Rhode Island ($1,710 in 2023, about $2,030 today), and Nevada ($1,600 in 2023, about $1,900 today).
Colorado: 25/50/15 minimums, with uninsured-motorist coverage unless rejected in writing
- Colorado liability (per person / per crash / property)
- $25,000 / $50,000 / $15,000
- Personal injury protection (PIP) in Colorado
- Not required
- Medical payments in Colorado
- Included unless you decline in writing
- No-fault system in Colorado
- No
- Uninsured motorist in Colorado
- Included unless you decline in writing
- Underinsured motorist in Colorado
- Included unless you decline in writing
Set by C.R.S. 10-4-620, Colorado's 25/50/15 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $15,000 for others' property—the legal floor in Colorado, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Colorado—the closest NAIC figure to what a Colorado minimum policy costs—averaged $782 in 2023 (about $930 in Colorado today), the 15th highest of the 50 states and DC. That makes liability 47% of Colorado's full-coverage average ($1,655), while the remaining 53% goes toward collision and comprehensive coverage for your own car.
Colorado requires at least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage. Uninsured/underinsured-motorist coverage and $5,000 of medical payments coverage are included unless you turn them down in writing.
What we couldn’t confirm: The newest official statute file we found is the 2024 edition (marked "uncertified"), so we couldn't check 2025-2026 changes against the law's text. You may be able to turn down medical payments coverage the same way you applied (for example, online), not only on paper.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least Colorado's injury liability minimums, and by law it also covers underinsured drivers. Your insurer must offer it at your own injury liability limits. Medical payments coverage is $5,000 unless you turn it down in writing (or the same way you applied, such as online).
- History and recent checks
- 25/50/15 in C.R.S. 10-4-620 (section added 2003, effective July 1). No change found through the 2024 statutes.
- Checked
- September 22, 2026
- Sources
- C.R.S. 10-4-620
twenty-five thousand dollars to any one person in any one accident and fifty thousand dollars to all persons ... fifteen thousand dollars in any one accident
- C.R.S. 10-4-619(1)
Every owner of a motor vehicle who operates the motor vehicle on the public highways of this state ... shall have in full force and effect a complying policy
- C.R.S. 10-4-609(1)(a), (4)
does not apply if the named insured rejects the coverage ... in writing; Uninsured motorist coverage shall include coverage for damage ... from the owner or driver of an underinsured motor vehicle
- C.R.S. 10-4-635(1)
medical payments with benefits of five thousand dollars ... only if the named insured rejects medical payments coverage in writing or in the same medium in which the application for the policy was taken
- C.R.S. 10-4-620
Adding a 16-year-old driver in Colorado: about $1,290 more a year
Adding a 16-year-old to a Colorado policy
about $1,290 more a year
About $110 a month (+66% over a typical Colorado adult policy of $1,960), bringing the combined Colorado family policy to roughly $2,450–$4,300 a year.
On a separate Colorado policy of their own with the same car, a 16-year-old in Colorado would pay about $5,630 a year (roughly $4,300–$8,050), so sharing a parent's Colorado policy saves about $4,330 a year. In Colorado Division of Insurance's 2023 sample survey (Driver A: 25-year-old single male (Plan 1 full coverage)), the median company quote in Denver (80205) is $4,866 a year ($1,898–$15,316).
Our teen-driver multipliers come from California's published age-rating filings scaled to Colorado's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Colorado
In Colorado, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,160 more a year on a Colorado policy, versus about $1,950 more a year for the 2022 Tesla Model 3 at the top of Colorado's list.
| 2022 model | Added to a Colorado policy | Own Colorado policy |
|---|---|---|
| 2022 Subaru Forester | +$1,160 in Colorado | $5,020 in Colorado |
| 2022 Subaru Outback | +$1,160 in Colorado | $5,040 in Colorado |
| 2022 Subaru Crosstrek | +$1,160 in Colorado | $5,060 in Colorado |
| 2022 Honda CR-V | +$1,240 in Colorado | $5,400 in Colorado |
| 2022 Toyota RAV4 | +$1,260 in Colorado | $5,500 in Colorado |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Colorado
In Colorado, a 45-year-old with full coverage pays from about $2,040 a year for a 2024 Subaru Legacy to about $2,780 for a 2024 Chevrolet Camaro on these Colorado sample models.
| Car | 45-year-old in Colorado | Adding a teen in Colorado |
|---|---|---|
| 2024 Chevrolet Trax | about $2,190 a year | +$1,440 a year |
| 2024 Buick Envista | about $2,210 a year | +$1,460 a year |
| 2024 Subaru Legacy | about $2,040 a year | +$1,350 a year |
| 2024 Kia Seltos | about $2,190 a year | +$1,450 a year |
| 2024 Hyundai Venue | about $2,300 a year | +$1,520 a year |
| 2024 Chevrolet Camaro | about $2,780 a year | +$1,840 a year |
| 2024 Toyota Prius Prime | about $2,060 a year | +$1,360 a year |
| 2024 Toyota RAV4 Prime | about $2,060 a year | +$1,360 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Colorado
- How much is car insurance in Colorado?
- In Colorado, full-coverage car insurance averaged $1,655 a year in 2023 (the 9th most expensive of the 50 states and DC per NAIC), or about $1,960 a year ($165 a month) in Colorado as of August 2026. Colorado liability-only coverage averaged $782 in 2023 (47% of Colorado's full-coverage figure, or about $930 today), and Colorado drivers spent $1,453 per insured car across all policies.
- What are the minimum car insurance limits in Colorado?
- Under C.R.S. 10-4-620, Colorado requires 25/50/15 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $15,000 for property damage. 25/50/15 in C.R.S. 10-4-620 (section added 2003, effective July 1). No change found through the 2024 statutes.
- How much does adding a 16-year-old teen driver cost in Colorado?
- Adding a 16-year-old to a parent's full-coverage policy in Colorado adds about $1,290 more a year ($110 a month), bringing the Colorado household policy to roughly $2,450–$4,300 a year versus about $5,630 a year (roughly $4,300–$8,050) on a standalone Colorado teen policy.
- Is Colorado a no-fault car insurance state?
- No—Colorado is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Colorado does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Colorado: Uninsured motorist coverage is at least Colorado's injury liability minimums, and by law it also covers underinsured drivers. Your insurer must offer it at your own injury liability limits. Medical payments coverage is $5,000 unless you turn it down in writing (or the same way you applied, such as online).
- How do sample car insurance rates vary across Colorado in Colorado Division of Insurance's 2023 survey?
- In Colorado Division of Insurance's 2023 rate comparison (Driver C: 45-year-old married male (Plan 1 full coverage)), the median company rate goes from $2,492 a year in Alamosa (81101) ($934–$9,476) to $3,490 a year in Denver (80205) ($1,446–$29,546).
Sources for Colorado
- Colorado average premiums ($1,655 full coverage, $782 liability-only, $1,453 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Colorado sample rate survey: Colorado Division of Insurance, Private Passenger Automobile Premium Comparison Report (checked September 22, 2026).
- Colorado minimum coverage statutes (C.R.S. 10-4-620; C.R.S. 10-4-619(1); C.R.S. 10-4-609(1)(a), (4); C.R.S. 10-4-635(1)), checked September 22, 2026. Page updated for Colorado. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.