What Colorado drivers actually pay for car insurance, from the National Association of Insurance Commissioners’ 2024 Auto Insurance Database (published September 2026) — plus the 25/50/15 minimums, the at-fault tort system, and why Hail Alley keeps premiums at #10.
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Colorado at a glance
The figures below are the NAIC’s combined average premium for Colorado — the average cost of a policy carrying liability, collision, and comprehensive coverage, 2024 calendar year, published September 2026.
Average car insurance premium · Colorado$1,835/yr~$153 a month · #10 of 51 states (1 = priciest) · 114% of the US average
$1,835/yrAverage annual premium (NAIC 2024)
$153/moMonthly equivalent
114%Of the national average
#10 of 51Price rank (1 = priciest)
Colorado$1,835/yrColorado average · ~$153/mo
+$222/yrvs national average
National average$1,613/yrAll 50 states + DC
Colorado vs the country
Colorado · your state$1,835/yr
Utah · neighbor$1,403/yr
United States average$1,613/yr
Maine · cheapest state$1,000/yr
How it works: figures are the NAIC’s state combined average premiums — liability + collision + comprehensive written premiums divided by liability written car-years, 2024 calendar year, published September 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts and driver profiles — a quote for your specific car, record, and ZIP will differ. Nothing you type leaves your device.
How this number is measured
The $1,835 figure isn’t a quote — it’s what Colorado drivers actually paid on average for policies carrying liability, collision, and comprehensive coverage. The NAIC compiles written premiums from every insurer and divides by insured car-years, so the number reflects real policies, not advertised rates.
What the typical Colorado driver pays per year: $1,835.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $153.
Index vs US average
state avg ÷ $1,613 × 100
Colorado sits at 114% of the national average — 14 points above the typical state.
Price rank
sorted, priciest first
Colorado is #10 of 51 — the tenth most expensive state, $340 behind Florida at the top.
3 things Colorado drivers should know
Colorado requires 25/50/15 — $25,000 bodily injury per person, $50,000 per accident, $15,000 property damage. Insurers must also offer uninsured/underinsured motorist coverage and include at least $5,000 of MedPay — but you can reject either one in writing, so check your declarations page to see what you actually carry.
Colorado is a tort (at-fault) state: the at-fault driver’s insurer pays the claim, and fault has to be established before money moves. Fun fact — Colorado ran a no-fault system until 2003, when lawmakers scrapped it to cut premiums and curb claims abuse.
The Front Range sits in Hail Alley, the highest frequency of large hail in North America, and Colorado ranks #2 in the U.S. for hail insurance claims behind only Texas — typically three or four catastrophic storms a year. Hail is a comprehensive claim, so the comprehensive deductible (not collision) is what stands between you and a four-figure body-shop bill.
Who uses this page
Movers: budgeting a move to Denver or the Springs — is ~$153 a month about right for your car insurance?
Drivers: checking whether the renewal quote you just got is anywhere near the state average.
New residents: learning what at-fault/tort means after moving in from a no-fault state — and what the 25/50/15 minimums actually buy.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2024-calendar-year averages published in September 2026 — the freshest official data available. Your 2026 quote will differ by ZIP code (Denver metro vs. the rural Eastern Plains is a different universe), vehicle, driving record, coverage limits, deductibles, and whether you kept the UM/UIM and MedPay options. Treat $1,835/yr as a benchmark, not a quote.
Cite this pageBright Side Kit. “Average Car Insurance Cost in Colorado.” brightoolbox.com, 2026.Bright Side Kit. "Average Car Insurance Cost in Colorado." https://brightoolbox.com/car-insurance-cost-colorado/ Accessed October 22, 2026.
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Frequently asked questions
How much is car insurance in Colorado per month?
The state average premium is about $153 a month ($1,835 a year) according to NAIC 2024 data — 114% of the national average, ranking #10 of 51 states. Denver-metro drivers typically pay above the average; rural Eastern Plains drivers often pay below it.
What are Colorado’s minimum car insurance requirements?
Colorado requires 25/50/15 — $25,000 bodily injury per person, $50,000 per accident, $15,000 property damage. Insurers must offer uninsured/underinsured motorist coverage, and policies must include at least $5,000 of MedPay — but you can reject either one in writing.
Is Colorado a no-fault or at-fault state?
At-fault (tort). The at-fault driver’s insurer pays the claim, and fault must be established first. Colorado actually had a no-fault system until 2003, when it was repealed to lower premiums and reduce claims abuse.
Why is Colorado car insurance so expensive?
Hail. The Front Range sits in Hail Alley — the highest frequency of large hail in North America — and Colorado ranks #2 in the U.S. for hail insurance claims behind Texas, with three or four catastrophic storms a year. Those comprehensive payouts, plus Denver-metro growth and congestion, keep the state at #10.
Is uninsured motorist coverage required in Colorado?
No — but insurers are legally required to offer it (up to your bodily-injury limits), and you have to reject it in writing to decline. Unlike some states where it’s mandatory, here the choice is yours — check your declarations page.
How can I lower my Colorado car insurance?
Because hail is the headline risk, compare comprehensive deductibles carefully — raising yours is one of the cheapest ways down. Then the usual levers: bundle auto with home or renters, enroll in a telematics/usage-based program, and shop quotes at every renewal.