Colorado Car Insurance Calculator
Numbers refreshed
There are three questions, with no name, email or phone needed. Colorado's average is already fixed.
1 of 2
What's the main driver's age?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Behind the estimate are Colorado averages.
With Colorado NAIC averages as its starting point, the calculator then changes the estimate based on age, driving record and the car.
| 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).
The estimate's changes explained
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Learn more about car insurance in Colorado
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