Full Coverage Car Insurance in Colorado
Figures updated
Based on Colorado averages, the price includes liability, collision and coverage for noncollision events.
- $153. average monthly cost for full coverage.
- 25/50/15. the minimum liability limits.
- 10th of 51most expensive state (1st = highest)
How much full coverage costs in Colorado
Full coverage adds collision and comprehensive to liability. Those two coverage parts cost $1,004 yearly in Colorado, beyond the average liability rate of $831.
| 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).
When full coverage no longer pays off
Lenders and lease companies require full coverage while you still owe money on the car.
After you pay off the car, compare its value with the annual cost of extra coverage, $1,004. When one rough year of premiums would pay for most of the car, liability only usually makes more sense.
Colorado full coverage by car
Based on IIHS-HLDI loss results, these estimates cover an adult with a clean record. Of the 40 models we price, the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $1,192 | $99 |
| Honda Pilot | $1,209 | $101 |
| Subaru Outback | $1,307 | $109 |
| Toyota RAV4 | $1,361 | $113 |
| Mercedes-Benz C-Class | $2,517 | $210 |
| Chevrolet Camaro | $3,051 | $254 |
| Dodge Charger | $3,174 | $264 |
| Dodge Challenger | $3,450 | $287 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Originally written