Average Car Insurance Cost in Colorado
Numbers refreshed
Colorado averages from NAIC, broken out by coverage, along with its national rank.
- $1,835.average each year for full coverage.
- 25/50/15.These are the minimum liability limits.
- By cost, it ranks 10th of 51 states (1st = highest).
Colorado average cost by type of coverage
In Colorado, full coverage costs $1,835 per year on average. This amount is 14% above the US yearly average of $1,613.
In 2023, average spending per insured car was $1,450. By 2024, it reached $1,601, an increase of 10.4%.
| Coverage in Colorado | Per year | Per month |
|---|---|---|
| Liability | $831 | $69 |
| Collision | $483 | $40 |
| Comprehensive | $521 | $43 |
| Full coverage (all three) | $1,835 | $153 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Colorado compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| New Jersey | 7th | $1,878 | $157 |
| Nevada | 8th | $1,866 | $155 |
| Rhode Island | 9th | $1,850 | $154 |
| Colorado | 10th | $1,835 | $153 |
| Michigan | 11th | $1,791 | $149 |
| Maryland | 12th | $1,768 | $147 |
| Delaware | 13th | $1,746 | $145 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your personal number
Every age and record is included in the averages. The Colorado calculator makes adjustments for your age and record.
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