Updated April 2026 | Rank #37 of 51
Car Insurance Cost Per Month in Colorado 2026
Full coverage avg
$222/mo
Minimum coverage avg
$66/mo
State minimum reqs
25/50/15
Hail damage (comprehensive) is a major cost driver -- Colorado has some of the highest hail-claim rates in the US. Adjust age and vehicle below to see your estimated monthly cost.
Colorado
in Colorado with a Sedan
$222/month
Full coverage estimate (100/300/100 + collision + comp). +$14 above national avg
State Min$127/mo25/50/15
Standard$165/mo50/100/50
Full Coverage$222/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Colorado 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $431 | $755 | Age 16page → |
| 17 | $393 | $688 | Age 17page → |
| 18 | $343 | $599 | Age 18page → |
| 19 | $292 | $511 | Age 19page → |
| 25 | $127 | $222 | Age 25page → |
| 35 | $108 | $189 | Age 35page → |
| 45 | $110 | $193 | Age 45page → |
| 65 | $121 | $211 | Age 65page → |
Average Monthly Cost by Vehicle Type in Colorado
Top 3 Carriers in Colorado by Market Share (NAIC Q1 2026)
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
Farmers
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Colorado Car Insurance FAQs
What is the average car insurance cost per month in Colorado?⌄
The average car insurance cost in Colorado is $222 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $66 per month. Colorado ranks #37 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Colorado?⌄
Colorado requires minimum liability coverage of 25/50/15.
Who has the cheapest car insurance in Colorado?⌄
The top three carriers by market share in Colorado are State Farm, GEICO, Farmers, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Colorado have no-fault insurance?⌄
No. Colorado is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.
Why is car insurance so expensive in Colorado?⌄
Hail damage (comprehensive) is a major cost driver -- Colorado has some of the highest hail-claim rates in the US.
Is my credit score used for car insurance in Colorado?⌄
Yes, in most cases. Colorado allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.