Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Colorado apart
Hail alley — comprehensive claims among the highest in the nation.
Minimum vs. full coverage in Colorado
What each coverage level costs on the Colorado average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $890 | $74 |
| Liability Only | $1,430 | $119 |
| Full | $2,600 | $217 |
| Full Low Deductible | $3,180 | $265 |
Minimum coverage saves about $1,713/yr vs full — but caps protection at 25/50/15. One at-fault crash above those limits and the gap is yours.
Colorado car insurance FAQ
- What's the minimum car insurance required in Colorado?
- Colorado's state minimum is 25/50/15 — $25k bodily injury per person, $50k per accident, $15k property damage. Minimum-only runs about $890/yr but leaves you exposed above those caps.
- How much is full coverage in Colorado?
- Representative full coverage averages $2,603/yr (about $217/mo), ranking Colorado #41 of 51 states for cost.
- Why is Colorado car insurance priced the way it is?
- Hail alley — comprehensive claims among the highest in the nation.