Compare car insurance quotes in Colorado
Jerry is a free app trusted by 19,898 Colorado drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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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 $153 a month for state minimum and $382 a month for full coverage. But in Colorado, Jerry drivers pay less:
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$67 to $122 per month for state-mandated minimum coverage.
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$227 to $431 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 $971 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
Colorado’s combination of hailstorms along the Front Range, wildfire risk in the foothills, and heavy winter snowloads makes home insurance a significant expense. Bundling home and auto insurance can help offset those costs, especially as premiums continue to rise statewide.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a 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 you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Colorado, shopping around helps you find the right fit.
That matters in Colorado, where your rate can shift significantly based on whether you’re commuting along the Front Range or driving mountain passes through the Rockies. Denver and Colorado Springs have their own traffic and theft patterns, while drivers in the mountains deal with winter conditions for much of the year. Jerry works with Colorado drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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:
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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.
Insurance carriers will automatically include at least $5,000 in medical payments (medpay) coverage, as well, unless you reject it in writing.
While this is the minimum insurance you need to get behind the wheel in Colorado, many Jerry drivers choose to buy higher liability limits along with comprehensive and collision coverage. We also recommend considering uninsured/underinsured motorist (UIM) protection, especially since nearly 20% of Colorado drivers are uninsured.
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Coverage definitions
Factors affecting Colorado car insurance rates in 2026
Hail damage
Colorado is one of the most hail-prone states in the country, and even a short storm can leave your car with cracked glass and dents across every panel. We recommend keeping comprehensive coverage because that’s what pays for hail damage.
Mountain driving and steep grades
High-elevation roads mean tight curves, long downhill stretches, and conditions that can change fast. Consider carrying collision coverage so your car is protected if something goes wrong on a mountain pass, even if fault is unclear or you’re the only vehicle involved.
Deer and elk collisions
Deer and elk crossings spike at dawn and dusk along foothill and rural routes. If you drive outside city centers regularly, assume you’ll encounter wildlife on the road. Comprehensive coverage is typically what pays for animal strikes, so make sure your deductible is set at a level you can comfortably cover.
Uninsured drivers
Nearly one in five Colorado drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so your own policy has you covered when the other driver can’t pay.
Winter storms and icy roads
Snow, ice and sudden whiteouts can turn a normal drive into a multi-car pileup, especially on higher passes and exposed stretches of highway. Carry collision coverage and pick a deductible you can actually afford, because winter driving claims add up fast along the Front Range and in the mountains.
Front Range growth, congestion and theft
As the Front Range keeps growing, traffic density and claim frequency rise right along with it, including theft and break-ins. Consider keeping comprehensive coverage for theft protection, and make your car a harder target: park in well-lit areas, lock up and keep valuables out of sight.
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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City
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Average monthly cost
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|---|---|
| $283 | |
| $267 | |
| $301 | |
| $229 | |
| $216 | |
| $202 | |
| $223 | |
| $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.
FAQ
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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?
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.