Colorado Car Insurance State Minimums
Coverage Type
- Bodily Injury Liability ($25,000 limit per person/$50,000 limit per accident)
- Property Damage Liability ($15,000 limit)
- Uninsured Motorist (Not required)
- Underinsured Motorist (Not required)
- Medical Expenses (Not required)
- Collision (Not required)
- Comprehensive (Not required)
Car Insurance Cost in Colorado?
In Colorado, the average yearly cost of vehicle insurance is $1,683. Based on our Best Car Insurance Companies of 2023 ratings, this is somewhat more than the national average of $1,442. In comparison to neighbouring states’ typical policy costs, such as Kansas ($1,519), Utah ($1,361), and Wyoming ($1,571), Colorado has higher auto insurance policy rates.
| COMPANY | AVERAGE RATE |
| Allstate | $2,130 |
| American Family Insurance | $2,046 |
| Farmers | $2,261 |
| Geico | $1,177 |
| Nationwide | $1,422 |
| Progressive | $1,792 |
| State Farm | $1,435 |
| USAA | $1,203 |
| Average | $1,683 |
Cheap Car Insurance in Colorado
Geico offers the lowest vehicle insurance rates in Colorado, charging an average of $1,177, according to our research. Farmers, on the other hand, has the highest rates, costing $2,261 on average.
The cost of vehicle insurance in Colorado is determined by a variety of factors, including where you reside, how much you drive, and your credit score. Individual rates are also affected by age, marital status, driving record, automobile type and model, and other criteria.
Colorado Rates for Drivers
Teen drivers had the highest vehicle insurance premiums, with 17-year-old males and women paying $6,319 and $5,653, respectively. State Farm offers the lowest female rates, average $3,563, while Geico has the lowest male rates, averaging $3,907.
| COMPANY | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
| Allstate | $5,904 | $6,524 |
| American Family Insurance | $3,794 | $4,072 |
| Farmers | $10,186 | $11,055 |
| Geico | $3,744 | $3,907 |
| Nationwide | $4,813 | $5,691 |
| Progressive | $9,856 | $10,910 |
| State Farm | $3,563 | $4,524 |
| USAA | $3,369 | $3,873 |
| Average | $5,654 | $6,319 |
| COMPANY | 25-YEAR-OLD FEMALE | 25-YEAR-OLD MALE |
|---|---|---|
| Allstate | $2,233 | $2,315 |
| American Family Insurance | $2,274 | $2,368 |
| Farmers | $2,430 | $2,591 |
| Geico | $1,163 | $1,187 |
| Nationwide | $1,683 | $1,823 |
| Progressive | $2,143 | $2,179 |
| State Farm | $1,533 | $1,783 |
| USAA | $1,384 | $1,512 |
| Average | $1,855 | $1,970 |
| COMPANY | 60-YEAR-OLD FEMALE | 60-YEAR-OLD MALE |
| Allstate | $1,928 | $1,928 |
| American Family Insurance | $1,838 | $1,850 |
| Farmers | $2,012 | $2,146 |
| Geico | $1,142 | $1,256 |
| Nationwide | $1,132 | $1,251 |
| Progressive | $1,525 | $1,521 |
| State Farm | $1,252 | $1,252 |
| USAA | $1,041 | $1,055 |
| Average | $1,484 | $1,532 |
Colorado Rates for Good Drivers
| COMPANY | CLEAN RECORD |
| Allstate | $2,130 |
| American Family Insurance | $2,046 |
| Farmers | $2,261 |
| Geico | $1,177 |
| Nationwide | $1,422 |
| Progressive | $1,792 |
| State Farm | $1,435 |
| USAA | $1,203 |
| Average | $1,683 |
If you need auto insurance for colorado I Think The Hub be a best choice because HUB understands that finding the ideal auto insurance for your vehicle can be difficult to fit into a busy schedule.
Partnering with HUB will better protect your assets, your family and your financial future from risk.
A HUB expert will work with you to provide the correct level of coverage and make the most of your time on the go. This tailored program helps you understand options, manage costs and plan ahead.
HUB provides options for all of your vehicles including:
- Automobiles
- Antique and collector cars
- Recreational vehicles
- Motorcycles
Your custom solution ensures the best protection in these key areas:
- Liability Limits
- Uninsured and Underinsured Motorist Coverage
- Agreed Value Coverage
- Replacement Vehicle Coverage
- Rental Car Coverage
- Worldwide Liability Coverage
- Electronic Equipment
- Full Glass Coverage
- Towing & Labor
HUB’s commitment to you and your needs will continue throughout the life of your coverage.
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