Car insurance in Colorado
Drivers in Colorado paid $1,655 a year for full coverage in 2023, 15% above the national average. With prices up since, figure on about $1,960 today. In Colorado, the law asks for at least 25/50/15 liability.
What people pay in Colorado
A typical yearly price today
about $1,960 a year (about $165 a month)
Colorado's average full-coverage cost in 2023 was $1,655, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,960.
That makes Colorado the 9th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Colorado next to its neighbors
A typical policy costs more in Colorado than in all six of its neighbors.
| State | Typical price, 2023 | Moving to Colorado from there |
|---|---|---|
| Colorado | $1,655 | Not a move |
| Kansas | $1,182 | About $650 more a year |
| Nebraska | $1,184 | About $640 more a year |
| New Mexico | $1,301 | About $480 more a year |
| Oklahoma | $1,324 | About $450 more a year |
| Utah | $1,285 | About $510 more a year |
| Wyoming | $1,180 | About $650 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Colorado's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $15,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Included unless you decline in writing
- No-fault
- No
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Included unless you decline in writing
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $782 in Colorado in 2023 (about $930 today, brought up the same rough way), the 15th highest of the 50 states and DC. That's about 47% of the full-coverage price; the rest pays to fix or replace 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).
- Checked
- September 22, 2026
A new teen driver in Colorado
Adding a 16-year-old to a typical policy
about $1,290 more a year
About $110 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,450–$4,300 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $5,630 a year in Colorado (roughly $4,300–$8,050).
What adding a teen costs comes from California's published prices, so the range is wide, and Colorado may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,950 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,160 a year | $5,020 a year |
| 2022 Subaru Outback | +$1,160 a year | $5,040 a year |
| 2022 Subaru Crosstrek | +$1,160 a year | $5,060 a year |
| 2022 Honda CR-V | +$1,240 a year | $5,400 a year |
| 2022 Toyota RAV4 | +$1,260 a year | $5,500 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Colorado (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Colorado's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.