Average car insurance cost in Colorado (2026)
Drivers in Colorado pay an average of $217 a month for full coverage and $97 a month for liability only.
Full coverage / month
$217
Liability only / month
$97
Full coverage / year
$2,604
Liability only / year
$1,164
Cost rank
#12 of 51
1 = most expensive. Tied with New York. Liability-only rank: #19.
Averages are a starting point. Estimate your cost in Colorado
How Colorado compares
The full-coverage average of $217 is 25% above the average across states ($174), and the liability-only average of $97 is 1% below the average across states ($98). Colorado is mid-table: 11 of the 51 places in our table have a higher full-coverage average. That is $84 a month below Maryland, the highest, and $132 above New Hampshire, the lowest.
Full coverage vs liability only in Colorado
Full coverage costs $120 more per month than liability only in Colorado, or $1,440 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Colorado by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| New York | $217 | $145 | $0 |
| Connecticut | $225 | $161 | +$8 |
| Louisiana | $208 | $106 | -$9 |
| Virginia | $207 | $118 | -$10 |
| Washington, D.C. | $227 | $131 | +$10 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Colorado averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $217 | $97 |
| Same driver, age 20-24 | $315 | $141 |
| Same driver, one ticket | $265 | $118 |
| Same driver, one at-fault accident | $308 | $138 |
| Same driver, sports car | $282 | $126 |
Frequently asked questions
How much does car insurance cost in Colorado?
The average in Colorado is $217 a month ($2,604 a year) for full coverage and $97 a month ($1,164 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Colorado expensive compared with other states?
Colorado ranks 12th highest of the 50 states and D.C. for full coverage (tied with New York). Its full-coverage average is 25% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Colorado?
On average, full coverage costs $120 more per month in Colorado, or $1,440 more per year. That is 124% more than the liability-only average.
How much could an at-fault accident change an estimate in Colorado?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Colorado rises from $217 to about $308 a month, or about $91 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.