Colorado Auto Insurance Rates
Median premium: $964/6mo across 10 carriers and 645 ZIP codes.
Premiums range from $590 to $3,034 — a 5.1x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$964
per 6 months
ZIP Codes
645
with rate data
Carriers
10
rated in CO
Price Spread
5.1x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Progressive | $470 | 645 ZIPs | 100% | |
| 2 | State Farm | $792 | 0 ZIPs | 0% | |
| 3 | American Family | $840 | 0 ZIPs | 0% | |
| 4 | USAA | $884 | 0 ZIPs | 0% | |
| 5 | Farmers | $955 | 0 ZIPs | 0% | |
| 6 | Nationwide | $972 | 0 ZIPs | 0% | |
| 7 | Travelers | $990 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $1,017 | 0 ZIPs | 0% | |
| 9 | Allstate | $1,149 | 0 ZIPs | 0% | |
| 10 | GEICO | $1,869 | 0 ZIPs | 0% |
1
$470Progressive#1 in 645 ZIPs (100%)
2
$792State Farm#1 in 0 ZIPs (0%)
3
$840American Family#1 in 0 ZIPs (0%)
4
$884USAA#1 in 0 ZIPs (0%)
5
$955Farmers#1 in 0 ZIPs (0%)
6
$972Nationwide#1 in 0 ZIPs (0%)
7
$990Travelers#1 in 0 ZIPs (0%)
8
$1,017Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,149Allstate#1 in 0 ZIPs (0%)
10
$1,869GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Colorado
| City | Avg Median | ZIPs |
|---|---|---|
| Eads | $736 | 1 |
| Crowley | $740 | 2 |
| Severance | $777 | 1 |
| Springfield | $788 | 1 |
| Niwot | $798 | 1 |
Most Expensive Cities in Colorado
| City | Avg Median | ZIPs |
|---|---|---|
| Fort Lyon | $1,472 | 1 |
| Shawnee | $1,378 | 1 |
| Rollinsville | $1,358 | 1 |
| Grant | $1,358 | 1 |
| Como | $1,358 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,564/6mo
80010 (Aurora)
Cheapest ZIP
$590/6mo
81033 (Crowley)
5.1x
Price Spread
The most expensive ZIP in Colorado costs 5.1x more than the cheapest. Your ZIP code matters more than you think.
Colorado Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Colorado
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Access ZIP-level rate data across all 10 carriers, 645 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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