$2,089
Avg. Auto Insurance/Year
18% above national avg
$3,456
Avg. Home Insurance/Year
90% above national avg
#9
Cost Ranking (Most Expensive)
25/50/15
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Colorado driver pays $2,089 annually for car insurance,
which is 18% above the national average."
Source: InsureCompare.com
How Colorado Compares to National Average
Auto Insurance
Colorado: $2,089 vs National: $1,771
Home Insurance
Colorado: $3,456 vs National: $1,820
Colorado Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$25k |
$100k+ |
| Bodily Injury (per accident) |
$50k |
$300k+ |
| Property Damage |
$15k |
$100k+ |
Cheapest Car Insurance Companies in Colorado
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,712 |
-18% |
| USAA (Military) |
$1,566 |
-25% |
| Progressive |
$1,838 |
-12% |
| State Farm |
$1,984 |
-5% |