Car Insurance Comparison: Texas vs. Colorado

Moving from Texas to Colorado? You may need to update your car insurance.

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By Ross Martin
Updated May 22, 2022
Edited By Renata Balasco

Comparing auto insurance in Texas and Colorado

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:


  1. Insurance cost comparison
  2. Insurance rates by coverage level
  3. Cheap companies by state
  4. Rates by city
  5. Additional resources


Texas vs. Colorado car insurance — average prices

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.


AUTO INSURANCE RATES IN TEXAS AND COLORADO
Location Average Annual Rate
Texas $2,125
Colorado $1,416


Auto insurance rates by coverage level

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.


AUTO INSURANCE RATES FOR MINIMUM COVERAGE IN TEXAS vs. COLORADO
State Duration Rate
Texas Annual $782
Colorado Annual $521
Texas 6-Month $391
Colorado 6-Month $260
Texas Monthly $65
Colorado Monthly $43


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.


AUTO INSURANCE RATES FOR FULL COVERAGE IN TEXAS vs. COLORADO
State Duration Premium
Texas Annual $2,120
Colorado Annual $1,406
Texas 6-Month $1,060
Colorado 6-Month $703
Texas Monthly $177
Colorado Monthly $117


Cheap auto insurance companies in Texas and Colorado

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.


CHEAP CAR INSURANCE COMPANIES IN TEXAS
Car Insurance Company Average Annual Rate
Travelers $1,031
USAA $1,106
Texas Farm Bureau $1,223
Germania Mutual $1,269
Esurance $1,393


See additional affordable auto insurance companies in Texas.


AFFORDABLE CAR INSURANCE COMPANIES IN COLORADO
Company Average Annual Rate
The Hartford $842
Grange $968
USAA $1,019
Nationwide $1,132
GEICO $1,164


View other cheap auto insurance companies in Colorado.


Car insurance rates by city in Texas and Colorado

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.


CAR INSURANCE PRICES BY CITY IN TEXAS
City Average Annual Rate
Houston $1,872
San Antonio $1,705
Dallas $1,874
Austin $1,643
Fort Worth $1,637


View our longer list of car insurance rates in Texas cities.


AUTO INSURANCE RATES BY CITY IN COLORADO
City Average Annual Rate
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 auto insurance rates in other Colorado cities.


More information on moving from Texas to Colorado

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:

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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