Commonly Asked Questions about Car Insurance in Colorado

Colorado drivers pay slightly less than most other drivers around the nation. But every region and car owner has different car insurance requirements, so keep this in mind when comparing these averages.

On average, Americans pay $1,474 per year for their auto insurance. In Colorado, car owners pay on average of  about $1,558 per year. To ensure you're getting the best rate, compare various quotes from numerous car insurance companies with a Trusted Choice insurance agent. 

Driving on Colorado roads can be dangerous: Congested traffic in Denver and mountain snow can cause accidents. If you find yourself in anything from a simple fender bender to a bigger T-bone, here's what your car insurance will do for you:

  • Fix your car: Not required. This is called "comprehensive & collision coverage," and though it is not required by the state, it may be required by your lender. 
  • Fix someone else's car: Required/Minimum $15,000. This is called "property damage liability." 
  • Pay your medical bills: Not Required. This is called "personal injury protection" or "PIP." 
  • Pay someone else's medical bills: Required/Minimum $25,000 per person / $50,000 per accident. This is called "bodily injury liability."

If you drive, you're required by the state to have a certain amount of insurance. These necessary coverages will pay for someone else's vehicle damage and medical bills after an accident with you. Be prepared and protected when you're on the road to prevent any financial harm after something unexpected.

The driver who caused the accident will pay for losses.

Sometimes people drive without any insurance, but it's impossible to tell who is and isn't covered when you're behind the wheel.

That's why uninsured motorist coverage exists. If an uninsured or underinsured driver causes damage to you or your vehicle, this insurance coverage will pay to fix your car and handle your medical bills.

Typically, your insurance company will attempt to collect compensation from the offending driver. This may or may not be successful, which is why you need this protection as a backup.

Colorado does not require you to have uninsured motorist coverage.

The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.

How does car insurance actually work?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Castle Rock25.40.73$1,066
Colorado Springs20.24.47$1,355
Commerce City270.74$1,101
Fort Collins18.41.22$968
Grand Junction132.66$1,007
Wheat Ridge21.67.52$1,691
  1. $165
  2. Denver, CO Car Insurance average monthly cost
  3. Depending on your vehicle, your gender, your driving record, and a few other factors, your monthly cost could be higher or lower than this. 
  4. Here are some city factors that will affect your rate:
  5. Commute time: 22.9 minutes
  6. Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Denver drivers spend slightly less time on the road than most, which may help keep insurance rates relatively low.
  7. Auto theft rate in Denver: 5.16 per 1,000 vehicles
  8. The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Denver is much higher than the national average, which may increase insurance rates.

  1. $139
  2. Colorado Springs, CO Car Insurance  average monthly cost
  3. Take this average with a grain of salt. Since your car insurance will be calculated based on individual factors like your vehicle's make, model and age, your insurance rate will fluctuate.
  4. Here are some city factors that will affect your rate:
  5. Commute time: 16.7 minutes
  6. The good news is that Colorado Springs drivers spend less time on the road than most. But you're always at risk when you're behind the wheel. Make sure that your auto insurance will properly cover you if an accident occurs.
  7. Auto theft rate in Colorado Springs: 3.69 per 1,000 vehicles
  8. A vehicle theft or break-in can happen without warning even if you park under streetlights and hide valuables in the trunk. Since the theft rate in Colorado Springs is higher-than-average, this may increase overall auto insurance rates.

  1. $165
  2. Aurora, CO Car Insurance  average monthly cost
  3. Did you know that your Aurora auto insurance should be unique to your driving history, vehicle and neighborhood? That means everyone's rate is different, so keep this average in mind when looking at policy options.
  4. Here are some city factors that will affect your rate:
  5. Commute time: 27 minutes
  6. Since many Aurora residents commute into downtown Denver, time on the road can be longer than average. This may increase auto insurance rates, but it's best to know you're completely protected if something goes wrong.
  7. Auto theft rate in Aurora: 3.03 per 1,000 vehicles
  8. Aurora is a great place in which to raise a family, but unfortunately auto theft rates are higher-than-average in the area. Make sure your car insurance policy compensates you for busted windows, stolen items and vandalized property.

  1. $120
  2. Fort Collins, CO Car Insurance  average monthly cost
  3. Your vehicle, gender and driving record will determine your unique auto insurance rate. Compare quotes and policies with a Trusted Choice agent to ensure you're getting the best rate out there.
  4. Here are some city factors that will affect your rate:
  5. Commute time: 19.3 minutes
  6. Since Fort Collins is a midsize town, it doesn't take too long for employees to get to and from work. But whenever you're on the road, you're always at risk for getting into a fender bender, hit-and-run or worse.
  7. Auto theft rate in Fort Collins: 0.98 per 1,000 vehicles
  8. It's rare to encounter an auto theft in Fort Collins. But taking precautionary steps like parking under streetlights is always a good idea, just in case. Since the rate here is so low, it may even decrease auto insurance rates.

  1. $165
  2. Lakewood, CO Car Insurance  average monthly cost
  3. Average cost of Lakewood car insurance: $165/month
  4. Your monthly cost will be customized to your driving history and specific vehicle. So just consider this rate as a baseline when looking at quotes and policy options with a Trusted Choice agent.
  5. Here are some city factors that will affect your rate:
  6. Commute time: 23.7 minutes
  7. Many Lakewood residents drive to the big city for work, which causes long commute times and congested roadways. Because you're on the road often, you face a greater risk of getting into an accident. It's an unfortunate reality that you need to address with proper auto insurance.
  8. Auto theft rate in Lakewood: 4.40 per 1,000 vehicles
  9. Lakewood theft rates are pretty high, which can increase insurance rates, since you're more prone to a break-in. It's a situation you never want to encounter but that can happen without a moment's notice. Make sure you are covered with a comprehensive insurance plan.