Why you can trust The Zebra
Comparing car insurance in Colorado and California
If you're relocating from Colorado to California, you may be focusing on the major concerns and big expenses: locating a dependable long-haul moving service, getting an apartment or house in your new city, and arranging your interstate move.
With all these moving parts, it can be easy to forget the details. Auto insurance is often just an afterthought, but it's important. To stay street legal and find cheap rates, plan to reevaluate your policy — or purchase a new policy — when you move.
Read our guide to auto insurance in Colorado versus California and ensure your move is pain-free. We'll cover the following topics:
- Insurance rate comparison
- Insurance rates by coverage level
- Cheap companies by state
- Rates in major cities
- Additional resources
Expect to pay more for car insurance once you move. The typical annual auto insurance rate in California is $291 pricier than the average expense in Colorado. The exact cost will depend on your coverage level, driving and insurance history, and your auto insurance company.
CAR INSURANCE RATES IN COLORADO VS. CALIFORNIA
|State||Average Annual Price|
How much you pay for auto insurance depends on how you use your vehicle and how much protection you want from your policy.
If you go with your state's minimum liability auto insurance coverage, you'll carry medical payment, bodily injury, and property damage liability coverages, plus uninsured and underinsured driver coverage and personal injury protection (PIP) in some states.
AUTO INSURANCE RATES FOR BASIC LIABILITY COVERAGE IN COLORADO vs. CALIFORNIA
Electing full-coverage car insurance will cost substantially more, but you'll get the added benefits of collision and comprehensive coverages, plus such perks as rental reimbursement and roadside assistance. The most notable benefit of full coverage auto insurance is that it protects you and your vehicle more comprehensively than does minimum liability coverage. If you're ready to spend more to protect your investment in your vehicle, full coverage could be the way to go.
AUTO INSURANCE PREMIUMS FOR FULL COVERAGE IN COLORADO vs. CALIFORNIA
One of the top contributing factors to auto insurance costs is your choice of car insurance company. Car insurance companies assign premiums in a variety of ways, leading to substantial variations in pricing. Location also plays a role: some auto insurance companies sell policies only in certain places, while major insurers’ rates may vary by state.
When moving to a new state, it's critical to find the best cheap auto insurance company selling policies in your new location. Get your research started below with our list of the five cheapest car insurance companies in Colorado and California.
CHEAP AUTO INSURANCE COMPANIES IN COLORADO
|Insurance Company||Average Annual Rate|
AFFORDABLE CAR INSURANCE COMPANIES IN CALIFORNIA
|Insurance Company||Average Annual Rate|
Though car insurance is regulated at the state level, insurance companies assign rates by ZIP code to adjust for unique factors like density and frequency of car crashes. The specific location to which you relocate plays a big part in deciding how much you pay for auto insurance.
The below tables show car insurance rates in major cities in California and Colorado.
AUTO INSURANCE PRICES BY CITY IN COLORADO
|City||Average Annual Rate|
View data on other Colorado cities.
AUTO INSURANCE PREMIUMS BY CITY IN CALIFORNIA
|City||Average Annual Premium|
Seeking data on another city? View other California cities.
When you relocate from Colorado to California, you will encounter a new set of driving laws, different SR-22 or FR-44 requirements, and more. Make sure your move is seamless with our collection of information on your new state:
- Car insurance laws in California
- California insurance FAQs
- Car insurance with a DUI/DWI in California
Compare rates now!
- Michigan vs. Arizona State Comparison
- Michigan vs. California State Comparison
- Michigan vs. Texas State Comparison
- Massachusetts vs. Florida State Comparison
- California vs. Texas State Comparison
- New York vs. New Jersey State Comparison
- Illinois vs. Wisconsin State Comparison
- Florida vs. California State Comparison
- Oregon vs. Arizona State Comparison
- Florida vs. Colorado State Comparison
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.