Car Insurance Comparison: New York vs. Colorado

Planning a move from New York to Colorado? You may need to update your car insurance.

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By Kristine Lee

Updated June 13, 2025

Edited By Renata Balasco

Comparing auto insurance in New York and Colorado

If you're planning an interstate move from New York to Colorado, you’re probably focusing on the high-level concerns and expenses: finding a reliable long-distance moving service, getting a new apartment or house in your new state, and setting your move-in schedule.

Amid all the stress, it can be easy to overlook the details. Auto insurance coverage is among the many details, but it's crucial. To find a good deal and stay street legal, you should plan to update your policy — or find a new insurance company — when you make an interstate move.

Read our guide to auto insurance in New York versus Colorado and ensure your move is pain-free. We'll cover:

Insurance cost comparison
Rates by coverage level
Cheap companies by state
Rates in major cities
Additional resources

New York vs. Colorado auto insurance — average rates

Expect to pay less for auto insurance in your new state. The average annual auto insurance rate in Colorado is $773 less than in New York. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.

CAR INSURANCE PREMIUMS IN NEW YORK VS. COLORADO

State	Average Annual Rate
New York	$2,188
Colorado	$1,416

Average car insurance costs by coverage level

How much you spend on car insurance depends on your vehicle, your personal driving profile, and how much protection you want from your policy.

With state minimum liability car insurance coverage, you will carry bodily injury, property damage liability, and medical payment coverages, along with uninsured/underinsured motorist coverage and personal injury protection (PIP) in some states.

AUTO INSURANCE RATES — MINIMUM LIABILITY COVERAGE IN NEW YORK vs. COLORADO

Location	Period	Cost
New York	Annual	$887
Colorado	Annual	$521
New York	6-Month	$443
Colorado	6-Month	$260
New York	Monthly	$74
Colorado	Monthly	$43

Choosing to carry full-coverage auto insurance will certainly cost more, but you can rely on comprehensive and collision coverages, along with extras like rental reimbursement and roadside assistance. The primary benefit of full coverage auto insurance is that it insures your vehicle and you more comprehensively than does a lower level of coverage. If you are willing to spend more up front to protect your investment in your vehicle, full coverage could be the way to go.

CAR INSURANCE RATES — FULL COVERAGE IN NEW YORK vs. COLORADO

Location	Period	Premium
New York	Annual	$1,786
Colorado	Annual	$1,406
New York	6-Month	$893
Colorado	6-Month	$703
New York	Monthly	$149
Colorado	Monthly	$117

Cheap auto insurance companies in New York and Colorado

One of the top contributing factors to car insurance costs is the auto insurance company you choose. Auto insurance companies set rates in a variety of ways, resulting in substantial variations in pricing. Geography also comes into play: some insurance companies sell policies only in certain places, while major insurers’ rates may vary by state.

When moving across state lines, you should try to find the best cheap car insurance company in your new location. Get your research started below by viewing the five most affordable car insurance companies in New York and Colorado.

AFFORDABLE CAR INSURANCE COMPANIES IN NEW YORK

Car Insurance Company	Average Annual Rate
USAA	$1,175
Erie	$1,230
Utica National	$1,519
Progressive	$1,527
Travelers	$1,544

See other cheap auto insurance companies in New York.

AFFORDABLE AUTO INSURANCE COMPANIES IN COLORADO

Insurer	Average Annual Rate
The Hartford	$842
Grange	$968
USAA	$1,019
Nationwide	$1,132
GEICO	$1,164

See more affordable auto insurance companies in Colorado.

Car insurance rates by city in New York and Colorado

While car insurance is legislated at the state level, underwriters assign rates by ZIP code to account for local factors like density and frequency of car crashes. The specific location to which you move plays a major role in deciding your premiums.

View the below tables to see car insurance rates in major cities in Colorado and New York.

CAR INSURANCE PRICES BY CITY IN NEW YORK

City	Average Annual Rate
New York	$2,681
Buffalo	$1,518
Rochester	$1,046
Yonkers	$1,939
Syracuse	$1,108

Check out a longer list of insurance rates in New York cities .

AUTO INSURANCE RATES BY CITY IN COLORADO

City	Average Annual Premium
Denver	$1,411
Colorado Springs	$1,303
Aurora	$1,389
Fort Collins	$1,078
Lakewood	$1,351

Is your new home not listed above? View other Colorado cities.

More information on relocating from New York to Colorado

When you move from New York to Colorado, you will face unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Make sure your move runs smoothly with The Zebra's data on your new home:

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 editorial 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.