2026 outlook • colorado auto • based on 2025 quote data
Last updated: January 6, 2026
Colorado Auto Insurance Rates in 2026: Outlook Based on 2025 Quote Data
As we enter 2026, Colorado drivers are facing continued pressure on auto insurance pricing. This guide is based on first-party quote data collected by A Plus Insurance throughout 2025, representing over 20,000 succeeded personal auto insurance quotes from real Colorado shoppers.
Unlike national averages or insurer-published estimates, this analysis reflects actual insurance quote outcomes, including pricing ranges, carrier availability, and coverage differences observed during the most recent full calendar year. The purpose of this page is to explain how insurance rates behaved in Colorado during 2025 and what those patterns suggest heading into 2026.
This is not a rate guarantee or a forecast model. It is a data-driven outlook grounded in observed market behavior.
State
Colorado
Colorado auto • vehicle insurance quoting activity.
Time period
Jan–Dec 2025
Full calendar year dataset used for this 2026 outlook.
Premium-returned quotes
20,299
Used for monthly averages, median, ranges, and comparisons.
Key findings from 2025 Colorado quote data
- Typical pricing level: Across 20,299 premium-returned quotes, the quote-volume-weighted average was about $1,574 (6-month premium).
- High variance is normal: Monthly medians ranged from about $833 to $1,438, and the lowest vs highest single quotes ranged from $10 to $20,544.
- Seasonality + volume matter: Monthly quote activity varied during 2025, which helps explain why “average” numbers can move month-to-month even when your personal factors stay the same.
What this data represents
The data used in this guide comes exclusively from A Plus Insurance’s internal quoting activity for Colorado auto insurance during 2025. Quotes include a wide range of Driver profiles, vehicles, coverage selections, and underwriting outcomes across multiple insurance companies.
This 2026 outlook is built for Colorado auto insurance shoppers who want to understand how pricing actually behaves in the real market — based on first-party quote outcomes — not marketing estimates or national averages. Use it to compare expectations, understand why insurance rates vary, and make better decisions on coverage, deductible, and which insurance companies to compare.
What 2025 quote trends suggest for 2026
Based on 2025 quote behavior, Colorado remains a high-variance market. Some shoppers find competitive rates, while others see sharp increases depending on coverage level (full coverage vs liability insurance), vehicle type, driving history, and carrier appetite.
For 2026, that suggests: shopping multiple insurance companies remains critical, coverage selection can change Price more than many people expect, and rate movement is uneven (not everyone experiences the same change in the same month).
Charts and comparisons from 2025 (used for the 2026 outlook, A Plus Insurance)
Monthly average vs median premium (2025, A Plus Insurance)
Premium-returned quotes only. Median is often a better “typical” reference than average.
Monthly premium range (lowest vs highest quotes in 2025, A Plus Insurance)
Premium-returned quotes only. Shows why comparing carriers matters.
Want a current insurance quote now? Start online here: https://learnandserve.org/vipquote/?Code=CG0001 or call 888-445-2793. Helpful resources: auto insurance, sr22 insurance, insurance providers.
Practical guidance for shopping in 2026
If you’re trying to find the cheapest option that still fits your needs, a consistent process matters more than guessing which company will be cheapest. Here’s a simple workflow that works for most shoppers:
- Compare multiple insurance companies (don’t rely on one carrier).
- Run two scenarios: full coverage and liability insurance (liability only).
- Change your deductible once and re-quote so you can compare real premium impact.
- If you’re high risk (DUI, violations, accidents), ask specifically about sr22 insurance filing and requirements.
- Keep proof of insurance and your Insurance Card handy (digital or print id cards if needed).
Monthly results used for this 2026 outlook (Colorado auto, 2025, A Plus Insurance)
Monthly averages, median, and ranges calculated from premium-returned Colorado Auto (Personal) quote submissions in 2025.
| Month (2025) | Quotes | Avg Premium | Median | Low | High |
|---|---|---|---|---|---|
| Jan | 1,614 | $1,756.04 | $1,438.50 | $40.00 | $13,002.50 |
| Feb | 2,123 | $1,688.99 | $1,348.02 | $17.00 | $15,606.50 |
| Mar | 2,930 | $1,594.10 | $1,256.25 | $10.00 | $17,448.00 |
| Apr | 2,198 | $1,498.88 | $1,040.49 | $12.00 | $12,356.00 |
| May | 2,313 | $1,672.61 | $1,276.50 | $11.00 | $19,979.50 |
| Jun | 2,004 | $1,578.92 | $1,199.65 | $15.00 | $20,544.00 |
| Jul | 1,492 | $1,584.50 | $1,201.75 | $124.80 | $12,157.38 |
| Aug | 1,818 | $1,439.91 | $1,086.25 | $66.50 | $14,069.00 |
| Sep | 1,358 | $1,457.13 | $1,079.50 | $77.50 | $10,778.00 |
| Oct | 1,431 | $1,485.78 | $1,239.24 | $51.50 | $13,683.00 |
| Nov | 822 | $1,493.92 | $1,012.75 | $168.50 | $11,436.00 |
| Dec | 196 | $1,115.47 | $833.00 | $217.50 | $4,422.96 |
Carrier appetite reference (quick comparison)
| Shopping situation | What to test | Why it matters |
|---|---|---|
| Liability insurance (liability only) | Run liability only vs full coverage, then adjust limits | Liability only can reduce premium, but limits must still match your risk and state requirements. |
| Full coverage | Compare collision/comprehensive deductibles (e.g., $500 vs $1,000) | Deductible changes can materially change insurance rates without changing vehicles or drivers. |
| High risk (violations / accidents) | Compare multiple carriers + ask about underwriting tiers | High-risk pricing varies more widely by insurance companies and can shift quickly. |
| SR22 insurance needed | Confirm SR-22 filing support + compare premium impact | SR-22 is a filing requirement; the underlying policy still prices based on the risk profile. |
| Non-standard or unusual vehicles | Compare carriers and coverage forms (liability only vs full coverage) | Vehicle type and repair costs can change carrier appetite and premium. |
Methodology
This 2026 outlook uses anonymized Colorado Auto (Personal) quote submissions from January 1, 2025 through December 31, 2025. Monthly values were calculated using quote rows where a premium value was returned. This guide summarizes what those insurance quote results suggest about pricing behavior.
Quotes are estimates, not bound policy prices. Actual insurance rates vary by Driver, vehicle, deductible, coverage, credit, violations, accidents, and insurance company underwriting in Colorado.
Glossary (plain-language definitions)
| Term | Definition |
|---|---|
| Average vs. Median | The average is the mean of all premiums. The median is the middle premium when quotes are ordered low to high. In markets with extreme highs/lows, the median often reflects a more “typical” insurance quote. |
| Premium-Returned Quote | A quote result where a carrier returned a numeric premium (so it can be used in averages, ranges, and comparisons). |
| Quote Volume Weighting | A way of calculating an overall average where months with more premium-returned quotes have more influence than months with fewer quotes, helping the yearly figure reflect where more shopping activity occurred. |
| Carrier Appetite | A carrier’s current preference for certain risk profiles (Driver history, vehicle, coverage type). Appetite shifts over time and is one reason insurance rates and approvals can vary between insurance companies. |
| SR22 / High-Risk Underwriting | SR22 insurance refers to an SR-22 filing requirement (often after DUI/violations). High-risk underwriting means stricter eligibility and higher premiums based on violations, accidents, or other rating factors. |
FAQ
Is this 2026 data or 2025 data?
This is a 2026 outlook based on full-year 2025 Colorado auto insurance quote data.
Does this represent actual policy prices?
No. These figures reflect insurance quote estimates returned at the time of quoting. Actual policy premium and rates vary by Driver, vehicle, coverage selections, deductible, credit, violations, accidents, and underwriting rules in the state.
Does this include high risk drivers and SR22 insurance?
Yes. The dataset includes a mix of standard and high risk quote submissions. If you need sr22 insurance (often after a DUI or major violations), comparing multiple insurance companies is especially important because pricing can vary widely.
What should I do if my rates jumped this month?
Re-quote and compare. Run full coverage and liability insurance, change the deductible once, and compare multiple insurance companies. That is often the fastest way to find a better insurance quote based on your current Driver and vehicle details.
What can Colorado drivers expect for auto insurance rates in 2026?
Based on 2025 quote behavior, expect continued volatility in Colorado auto insurance rates in 2026. The best way to control Price is to compare insurers, test full coverage versus liability only, and adjust deductible levels to see how premium changes.
Download the full 2026 Colorado Auto Outlook (PDF) to share, print, or reference later.
Tip: host the PDF on your Media Library and replace the “Download PDF” link with that file URL. Resources: Auto insurance • SR22 by state • Insurance providers we offer
Carrier average monthly by State
Filters: State CO
Sample size: 28 records
Last updated: 2026-01-14 02:27:33
| Carrier Quoted | Count | Average monthly | Median monthly | Min | Max |
|---|---|---|---|---|---|
| progressive | 2 | 67.66 | 67.66 | 59.83 | 75.50 |
| the general | 1 | 91.65 | 91.65 | 91.65 | 91.65 |
| unknown | 1 | 137.44 | 137.44 | 137.44 | 137.44 |
| Dairyland | 5 | 174.43 | 128.28 | 125.47 | 246.46 |
| Bristol West | 1 | 216.75 | 216.75 | 216.75 | 216.75 |
| Mendota | 1 | 227.32 | 227.32 | 227.32 | 227.32 |
| Progressive | 10 | 304.27 | 282.49 | 56.33 | 533.65 |
Evidence (records used)
| Record ID | State | City | ZIP | Age | Sex | Marital Status | Vehicle Make | Vehicle Model | Coverage Package | Carrier Quoted | Monthly Premium | Accidents Count | Violations Count | Created At |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 32 | CO | Colorado | 80547 | 38 | female | single | Toyota | RAV4 | 1 | 0 | 2026-01-14 02:27:33 | |||
| 29 | CO | Colorado Springs | 80916 | 24 | female | single | 1 | 1 | 2026-01-14 02:26:00 | |||||
| 28 | CO | Colorado Springs | 80906 | 44 | female | unknown | Honda | Pilot | state_min_liability | the general | 91.65 | 0 | 0 | 2026-01-14 02:25:40 |
| 27 | CO | Loveland | 80537 | 49 | male | separated | Honda | Pilot | state_min_liability | progressive | 59.83 | 0 | 0 | 2026-01-14 02:24:59 |
| 27 | CO | Loveland | 80537 | 49 | male | separated | Honda | Pilot | state_min_liability | progressive | 75.50 | 0 | 0 | 2026-01-14 02:24:59 |
| 25 | CO | Denver | 80212 | 32 | male | married | Hummer | H3 | state_min_liability | Progressive | 109.92 | 0 | 2 | 2026-01-14 02:22:55 |
| 24 | CO | Colorado Springs | 80951 | 22 | male | single | Toyota | Camry | state_min_liability | Progressive | 56.33 | 0 | 0 | 2026-01-14 02:22:18 |
| 22 | CO | Aurora | 80013 | 24 | male | single | Dodge | state_min_liability | Progressive | 191.75 | 0 | 2 | 2026-01-14 02:20:26 | |
| 22 | CO | Aurora | 80013 | 24 | male | single | Dodge | state_min_liability | Mendota | 227.32 | 0 | 2 | 2026-01-14 02:20:26 | |
| 21 | CO | Colorado Springs | 80916 | 41 | female | unknown | Acura | full_coverage | Bristol West | 216.75 | 0 | 1 | 2026-01-14 02:19:31 | |
| 19 | CO | 39 | female | divorced | Chrysler | state_min_liability | Dairyland | 125.47 | 1 | 0 | 2026-01-14 02:18:00 | |||
| 17 | CO | Broomfield | 80023 | 43 | female | divorced | Toyota | 1 | 1 | 2026-01-14 02:16:04 | ||||
| 15 | CO | Grand Junction | 81503 | 46 | female | unknown | Honda | Civic | full_coverage | Dairyland | 128.28 | 0 | 0 | 2026-01-14 02:11:36 |
| 14 | CO | Broomfield | 80021 | 30 | female | married | Lexus | 460 | custom | Progressive | 282.49 | 5 | 2 | 2026-01-14 02:09:34 |
| 13 | CO | Commerce City | 80640 | 21 | female | married | Cadillac | XT5 | full_coverage | Progressive | 532.64 | 1 | 1 | 2026-01-13 21:37:09 |
| 13 | CO | Commerce City | 80640 | 21 | female | married | Cadillac | XT5 | full_coverage | Progressive | 453.49 | 1 | 1 | 2026-01-13 21:37:09 |
| 12 | CO | 39 | female | divorced | Chrysler | state_min_liability | Dairyland | 125.47 | 1 | 0 | 2026-01-13 20:57:58 | |||
| 10 | CO | Broomfield | 80020 | 30 | female | married | Lexus | 460 | custom | Progressive | 282.49 | 4 | 2 | 2026-01-12 20:01:55 |
| 9 | CO | Colorado Springs | 80906 | 33 | female | married | Ford | Edge | full_coverage | Progressive | 533.65 | 3 | 0 | 2026-01-12 20:00:46 |
| 9 | CO | Colorado Springs | 80906 | 33 | female | married | Ford | Edge | full_coverage | Progressive | 461.98 | 3 | 0 | 2026-01-12 20:00:46 |
| 8 | CO | Fort Collins | 80526 | 67 | male | married | Cadillac | Escalade | custom | Dairyland | 246.46 | 1 | 0 | 2026-01-12 19:59:43 |
| 8 | CO | Fort Collins | 80526 | 67 | male | married | Cadillac | Escalade | liability_only | Dairyland | 246.46 | 1 | 0 | 2026-01-12 19:59:43 |
| 6 | CO | Colorado | 80547 | 40 | female | single | Toyota | RAV4 | 1 | 0 | 2026-01-12 19:56:35 | |||
| 5 | CO | Colorado | 80547 | 40 | female | single | Toyota | RAV4 | 1 | 0 | 2026-01-12 19:48:02 | |||
| 4 | CO | Denver | 80204 | 28 | male | unknown | Mazda | 1 | 0 | 2026-01-12 19:46:25 | ||||
| 3 | CO | pueblo | 81001 | 25 | female | single | Cadillac | STS | state_min_liability | Progressive | 138.00 | 0 | 0 | 2026-01-12 19:45:32 |
| 2 | CO | Public | 81001 | 24 | female | single | Cadillac | STS | state_min_liability | unknown | 137.44 | 0 | 0 | 2026-01-12 19:44:26 |
| 1 | CO | Denver | 35 | female | unknown | Kia | Soul | 0 | 0 | 2026-01-12 19:34:51 |
Last Updated on by Jayleen Ridgeway