Compare car insurance quotes in Colorado
Jerry is a free app trusted by 19,630 Colorado drivers that compares insurance quotes from top carriers.
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
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:
-
$67 to $118 per month for state-mandated minimum coverage.
-
$229 to $430 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Coloradans save an average of $932 per year on coverage just by comparing their options.
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.
Jerry can help and do the legwork so you can compare quotes and get covered in Colorado in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. 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 up to 40% 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
If you’re shopping for a better rate, the simplest move is still to compare a few insurers side by side, whether you’re switching carriers, keeping your coverage close to what you have or looking for the cheapest car insurance in Colorado.
In Colorado, what you pay is often shaped by what your driving life looks like. Front Range traffic, mountain routes, hail season, winter storms and theft risk in some metro pockets can all change the claims picture by ZIP code. We pull quotes for Colorado drivers every day, so you can compare carriers with a clearer sense of what’s normal where you live.
Jerry helps you find quotes from up to 11 trusted insurers in the Centennial State and puts them side by side, making it easier to spot the best match for your coverage and budget. Below is a snapshot of recent quotes Jerry pulled for Colorado drivers at multiple coverage levels, including how much each driver 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:
-
$25,000 in bodily injury liability per person.
-
$50,000 in bodily injury liability per accident.
-
$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 along with comprehensive and collision coverage. We also recommend buying uninsured/underinsured motorist (UIM) protection, especially since nearly 20% of Colorado drivers are uninsured.
-
Coverage definitions
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
|
City
|
Average monthly cost
|
|---|
|
City
|
Average monthly cost
|
|---|---|
| $283 | |
| $266 | |
| $301 | |
| $229 | |
| $217 | |
| $223 | |
| $202 | |
| $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
-
How to get a Colorado temporary license plate.
-
Learn how at-fault states affect your car insurance.
-
Understand the 6 main types of car insurance coverage.
-
Find out how much car insurance you need.
-
Learn about uninsured motorist coverage and why it matters.
FAQ
-
Is Colorado an at-fault state?
-
What happens if I drive without insurance in Colorado?
-
Is uninsured /underinsured motorist coverage required in Colorado?
-
Can I show electronic proof of insurance on my phone in Colorado?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.