Car Insurance in Colorado

Colorado has seen one of the highest increases in auto insurance prices since 2019. Here’s what you need to know.

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Cheapest Car Insurance in Colorado

Best Car Insurance in Colorado

Colorado Insurance Coverage

Auto insurance in Colorado has gotten more expensive since the pandemic. According to S&P Global’s data, Colorado saw a 49.4% increase in their rates from January 2019 to September 2024. That increase puts them near the top of all U.S. States in terms of auto insurance price increases during that timeframe.

Colorado requires drivers to carry these minimum levels of coverage:

$25,000 in bodily injury liability per person.
$50,000 in bodily injury liability per accident.
$15,000 in property damage liability per accident.

Exploring car insurance quotes is a smart move, but make sure you evaluate your priorities — whether it’s finding cheap car insurance or securing comprehensive coverage. Rates can vary based on the amount of protection you want. Gathering several estimates is essential to understanding the average cost of car insurance in your area. The more quotes you review, the better your chances of landing the right policy.

Car insurance quotes in Colorado cities (September 2025)

Cheap Car Insurance in Denver

Denver drivers must combat difficult winter conditions and crowded roads during ski season, but affordable insurance coverage is within reach.

Cheapest car insurance in Pueblo, Colorado (2025)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Pueblo, Colorado.

Cheap Car Insurance in Colorado Springs

Colorado Springs drivers can expect their rates to vary depending on their age, driving history and coverage needs, but locals are finding low-cost coverage via Jerry. Compare real customer quotes to guide you as you shop for a reliable and affordable policy.

Cheapest car insurance in Greeley, Colorado (2025)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Greeley, Colorado.

Get Cheap Car Insurance in Colorado in September 2025

Colorado drivers from Fort Collins down to Durango may pay substantially different car insurance rates, so it’s smart to get multiple quotes before you buy.

Cheapest car insurance in Fort Collins, Colorado (2025)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fort Collins, Colorado.

Cheap Car Insurance in Aurora, CO

Find the best rates for Aurora drivers with your profile by comparing quotes with the Jerry app.

Best Car Insurance in Colorado for September 2025

Auto-Owners is the best car insurance company in Colorado, according to Jerry’s analysis.

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COMPARE QUOTES

Check out recent quotes Jerry customers have gotten for car insurance in Colorado.

Date of Quote	City	Insurance Company	Monthly Quote

Date of Quote	City	Insurance Company	Monthly Quote

September 10, 2025	Denver	Dairyland	$114
September 10, 2025	Montrose	Dairyland	$84
September 10, 2025	Wheat Ridge	Progressive	$84
September 10, 2025	Hugo	Dairyland	$36
September 10, 2025	Denver	Kemper	$95

Last Updated Sept. 12, 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

Factors affecting car insurance rates in Colorado

Here are a few key reasons that drivers in Colorado pay higher-than-average insurance premiums.

Auto theft: As of 2022, Colorado was No. 6 in the country for the most car thefts, according to the Insurance Information Institute. Three of the top 10 metro areas for auto theft rates were also in Colorado — Pueblo, Denver-Aurora-Lakewood and Greeley. Colorado’s car-theft issue is a well-known issue, but statewide thefts have fallen from the 2022 high of about 41,600 to 24,575 in 2024. That drop will almost certainly aid in cooling car insurance prices, but it takes time for insurers to ingest this kind of data.
Extreme weather: The Front Range has the distinct honor of being dubbed the hail capital of North America, and the state is seated within the country’s “hail alley.” You better believe insurers reserve special rates for areas with such nicknames, especially because a single hailstorm can turn a brand-new vehicle into a total loss.
Plaintiff-friendly insurance laws: Colorado’s car insurance rules provide ample room for plaintiffs to win large sums of money in lawsuits against their insurers, if an insurer unreasonably denies or delays a claim. This means insurers are walking a tight rope whenever they deny a claim, and if there’s a risk of losing significant money in a lawsuit — even one the company brought on itself — it hedges for that risk by charging higher premiums.
Population growth: Doesn’t it seem like everyone’s moving to Colorado? The state added a little over 600,000 residents between 2013 and 2023 — about 10% of its current population, according to data from the Colorado Department of Local Affairs. More drivers often means increased risk for insurers, and that’s especially true for areas like Denver and Colorado Springs, where many newcomers landed during that time.

Car insurance companies in Colorado