Moving from Texas to Colorado? You may need to update your car insurance.
Why you can trust The Zebra
If you are plotting a move from Texas to Colorado, you might be focused on the major concerns and big expenses: tracking down a dependable long-distance moving service, getting an apartment or house in your new city, and setting your move-in schedule.
Amidst the stress of a big move, it can be easy to forget the details. Auto insurance is often treated as a detail, but it's a big one. To find a good deal and stay street legal, plan to reevaluate your policy — or find a new insurer altogether — when you move between states.
Read our guide to auto insurance in Texas versus Colorado and learn more about what your next steps should be. We'll cover the following topics:
Expect to pay less for auto coverage in Colorado than you did in Texas. The average annual auto insurance rate in Colorado is $709 more affordable than in Texas. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
|Location||Average Annual Rate|
The cost of your auto insurance depends on how you use your vehicle and what level of coverage you want.
If you decide to go with your state's minimum liability auto insurance coverage, you'll get bodily injury, property damage liability, and medical payment coverages, along with uninsured and underinsured motorist coverage and personal injury protection (PIP) in certain states.
Electing to carry full-coverage car insurance will raise your rates, but you can rely on comprehensive and collision coverages, along with extras like rental reimbursement and roadside assistance. The primary benefit of full coverage is that it protects you and your vehicle more completely than does basic car insurance coverage. If you want to go the extra mile to protect your vehicle, full coverage is recommended.
A major determinant of your auto insurance costs is your choice of car insurance company. Auto insurance companies price premiums in a number of ways, resulting in major price variations. Geography also comes into play: some car insurance companies sell policies only in certain places, while major insurers’ rates may vary by state.
When moving to a new state, you should look to find the best cheap insurance company offering policies in your new location. Get started below with our list of the five most affordable auto insurance companies in Texas and Colorado.
|Car Insurance Company||Average Annual Rate|
|Texas Farm Bureau||$1,223|
|Company||Average Annual Rate|
While car insurance is regulated by states, insurers assign rates by ZIP code to account for unique factors such as density and the likelihood of a crash. The exact location to which you relocate will play a big part in deciding your rates.
Reference the below tables to see car insurance rates in major cities in Colorado and Texas.
|City||Average Annual Rate|
View our longer list of car insurance rates in Texas cities.
|City||Average Annual Rate|
Is your new home not listed above? View auto insurance rates in other Colorado cities.
When you relocate from Texas to Colorado, you will face new rules of the road, potentially different SR-22 rules, and more. Ensure your move is as easy as possible with our data on your new state:
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.