How Much Does Car Insurance Cost in Colorado?

The Zebra
Feb. 7, 2019

Auto insurance is slightly more expensive than average in Colorado. The typical car insurance rate in Colorado is $1,435 per year — more than the national average by 0.6%.

Your car insurance premiums are impacted by factors aside from the state in which you live. Auto insurance premiums price based on a number of components, including your credit score, driving record, age, gender, and marital status.

We assessed typical Colorado auto insurance premiums by all of the significant rating factors. Read on to see how much car insurance runs in your state — or enter your zip code to receive personalized prices from leading insurers.


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Average Colorado auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Expenditure in Colorado by Age

It's unavoidable: as you age, your car insurance rates change. As a general rule, car insurance is more costly for teenage drivers, as car insurers view inexperienced drivers as more risky.

In Colorado, auto insurance costs $6,956 annually for a 16-year-old motorist, but only $1,289 per year for a driver aged between 50 and 59.


COLORADO CAR INSURANCE RATES BY AGE
AgeAverage Annual Rate
16$6,955.50
17$5,969.08
18$5,272.83
19$3,190.01
20s$1,901.85
30s$1,393.87
40s$1,363.40
50s$1,288.70
60s$1,303.28
70s$1,558.53

If you're facing the frightful prospect of getting insurance for a teen driver, consider that Colorado is the 33rd cheapest state in which to buy car insurance for a 16-year-old.




Average Auto Insurance Premiums in Colorado by Gender

While gender doesn’t have as sizable an effect on auto insurance premiums as a driver's location or age, it is used as a rating factor by car insurance companies.


COLORADO AUTO INSURANCE PREMIUMS BY GENDER
GenderAverage Yearly Premium
Male$1,420.90
Female$1,447.58

If you think you aren't getting the best possible value with your current auto insurance company, the best thing to do is to do some comparison shopping.




Average Car Insurance Premiums in Colorado by Marital Status

One benefit of nuptials — aside from the honeymoon — is the price cut you typically receive on insurance. In the state of Colorado, married drivers save $86 each year on car insurance. This is more than the national post-wedding price cut of $76.


COLORADO AUTO INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,420.90
Married$1,335.04
Divorced$1,420.90
Widowed$1,357.42

Car insurance for divorced drivers in Colorado is the 19th most expensive in the nation. If you are being overcharged for your auto insurance policy, don't hesitate to shop around. You never know when you'll find a great deal!


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Average Auto Insurance Rates in Colorado by Credit Tier

Auto insurers reference credit history as a way of determining how reliable a prospective customer will be. Data trends suggest drivers who maintain solid credit scores are more insurable auto insurance customers: they are less likely to file claims covered by insurance companies.

In Colorado, a driver who carries excellent credit can save $1,556.87 per year in car insurance premiums, contrasted with a driver with a less-favorable credit score. Read more about how credit history impacts auto insurance expenses:


COLORADO AUTO INSURANCE COSTS BY CREDIT
Credit ScoreAverage Annual Premium
Very Poor (300-579)$2,797.45
Fair (580-669)$2,321.78
Good (670-739)$1,874.62
Very Good (740-799)$1,509.77
Exceptional (800-850)$1,240.57

Finding affordable auto insurance when you have a low credit score can be tricky. But we're here to provide some help. Read our tips on getting auto insurance with poor credit and save!




Average Car Insurance Premiums for High-Risk Drivers in Colorado

If you are determined to be at fault in a car crash or found guilty of a vehicular infraction, your car insurance costs are bound to rise. The more infractions you accumulate, the pricier your car insurance policy gets.

In Colorado, your first minor at-fault crash results in an additional $619.06 per year in car insurance payments. A DWI — considered one of the most serious driving violations — could raise your annual car insurance costs in Colorado by an average of $695.35.


COLORADO CAR INSURANCE PRICES AFTER DRIVING OFFENSES
AgeAverage Annual Rate
DWI/DUI$2,130.70
Reckless Driving$2,138.64
At-Fault Accident (<$1,000)$2,054.41
At-Fault Accident ($1,000-$2,000)$2,084.29
At-Fault Accident (>$2,000)$2,054.41
Open Container$1,863.34
Speeding (21-25 MPH > limit)$1,748.59
Speeding (16-20 MPH > limit)$1,736.37

If you're saddled with high car insurance costs, consider policy shopping to find cheap insurance coverage that covers your vehicle appropriately.




Average Car Insurance Prices by Coverage in Colorado

The amount you pay per month for car insurance is dependent on the level of coverage you purchase. Liability-only coverage generally is less expensive, while low-deductible comprehensive coverage costs more. In Colorado, the premium gap between liability-only coverage and comprehensive coverage with a $500 deductible is $783.


COLORADO CAR INSURANCE RATES BY COVERAGE
Coverage LevelAverage Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$726
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,346
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,506
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$623
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,246
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,406
State Minimum — Liability Only$521
State Minimum — $1,000 Comprehensive/Collision$1,144
State Minimum — $500 Comprehensive/Collision$1,304

If you are looking for a better deal on auto insurance, consider insurance shopping to find cheap coverage that meets state regulations.