Compare car insurance quotes in Colorado
Jerry uses real data from 15,905 Colorado drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Colorado car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Colorado, Jerry drivers pay:
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$66 to $122 per month for state-mandated minimum coverage, and
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$227 to $432 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last year, Jerry has helped Coloradans save an average of $950 on coverage just by comparing their options.
Jerry makes it easy to shop rates and personalize your coverage on Colorado car insurance in under 10 minutes. Our process is free and completely online, so you never have to worry about us selling your information or spamming you with phone calls.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Colorado have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Colorado is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Colorado drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage, whether that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Colorado that you can find.
Jerry helps you find quotes from up to 11 trusted insurers in the Centennial State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Colorado drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Colorado
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Colorado car insurance coverage requirements
Drivers in Colorado are legally required to carry liability insurance coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$15,000 in property damage liability per accident.
While this is the minimum insurance you need to get behind the wheel in Colorado, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that nearly 20% of Colorado drivers are uninsured, buying uninsured/underinsured motorist (UIM) protection is also recommended.
Factors affecting Colorado car insurance rates in 2026
Hail damage
Colorado is known for severe hail losses, and even a short storm can leave a car with cracked glass and extensive dents. Comprehensive coverage is typically what pays for hail-related repairs.
Mountain driving and steep grades
High-elevation roads come with sharp curves, long descents, and quick shifts in conditions. When crashes happen on mountain routes, they can be more severe, which is one reason collision coverage carries extra value here.
Deer and elk collision risk
Wildlife crossings are a real hazard, especially at dawn and dusk on foothill and rural roads. Animal impacts usually fall under comprehensive coverage, so it’s worth double-checking you have it if you drive outside city centers often.
Uninsured drivers
Nearly 20% of Colorado drivers are uninsured, which means you may be relying on your own policy after a crash. UM/UIM coverage helps protect you in that situation.
Winter storms and low-visibility conditions
Snow, ice, and sudden whiteouts can turn a routine drive into a multi-car pileup, particularly on higher passes and exposed stretches of highway. A collision deductible you can actually afford makes it easier to use your coverage when winter driving goes sideways.
Metro growth, congestion, and theft exposure
As the Front Range has grown, so has day-to-day traffic and the number of vehicles parked in lots and on streets. More congestion can mean more claims, and comprehensive coverage can help with theft-related losses.
Average cost of car insurance in major Colorado cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $283 | |
| $266 | |
| $301 | |
| $229 | |
| $220 | |
| $223 | |
| $203 | |
| $257 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Colorado quotes in as little as 2 minutes.
Learn more about driving in Colorado
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How to get a Colorado temporary license plate.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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Is Colorado an at-fault state?
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What happens if I drive without insurance in Colorado?
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Is uninsured /underinsured motorist coverage required in Colorado?
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Can I show electronic proof of insurance on my phone in Colorado?
