Colorado Auto Insurance
County-by-County Rate Intelligence
Based on real first-party quotes from our licensed Colorado brokerage. No estimates. No public filings. Just what Colorado drivers are actually paying in 2025–2026.
Colorado Auto Insurance Rates by County
El Paso County Auto Insurance Rates
804 QuotesAvg Monthly Premium
$182
All drivers, all coverages
Annual Premium
$2,181
Avg across carriers
Liability Only Avg
$125/mo
State minimum coverage
Full Coverage Avg
$280/mo
Comp + collision included
⚡ Carrier Price Spread
$10.75/mo — $1,129.71/mo | 10409% gap
📊 Quote Volume in El Paso County
804
Total Quotes
36
ZIP Codes
Coverage Breakdown
Liability Only50.1%
Full Coverage38.4%
Broad Form11.4%
Rate Distribution
Lowest Observed Rate$10.75/mo
Highest Observed Rate$1,129.71/mo
Spread Percentage10409%
Carrier Distribution
Most Quoted Carriers
Progressive, Bristol West, Mendota, National General, Dairyland
Denver County Auto Insurance Rates
173 QuotesAvg Monthly Premium
$171
All drivers, all coverages
Annual Premium
$2,048
Avg across carriers
Liability Only Avg
$138/mo
State minimum coverage
Full Coverage Avg
$267/mo
Comp + collision included
⚡ Carrier Price Spread
$14.78/mo — $570.65/mo | 3761% gap
📊 Quote Volume in Denver County
173
Total Quotes
26
ZIP Codes
Coverage Breakdown
Liability Only55.5%
Full Coverage28.3%
Broad Form16.2%
Rate Distribution
Lowest Observed Rate$14.78/mo
Highest Observed Rate$570.65/mo
Spread Percentage3761%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota, National General, Dairyland
Pueblo County Auto Insurance Rates
139 QuotesAvg Monthly Premium
$170
All drivers, all coverages
Annual Premium
$2,036
Avg across carriers
Liability Only Avg
$118/mo
State minimum coverage
Full Coverage Avg
$259/mo
Comp + collision included
⚡ Carrier Price Spread
$28.67/mo — $574.65/mo | 1904% gap
📊 Quote Volume in Pueblo County
139
Total Quotes
9
ZIP Codes
Coverage Breakdown
Liability Only46.8%
Full Coverage38.8%
Broad Form14.4%
Rate Distribution
Lowest Observed Rate$28.67/mo
Highest Observed Rate$574.65/mo
Spread Percentage1904%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota, National General, Dairyland
Mesa County Auto Insurance Rates
103 QuotesAvg Monthly Premium
$131
All drivers, all coverages
Annual Premium
$1,567
Avg across carriers
Liability Only Avg
$83/mo
State minimum coverage
Full Coverage Avg
$208/mo
Comp + collision included
⚡ Carrier Price Spread
$29.67/mo — $422.56/mo | 1324% gap
📊 Quote Volume in Mesa County
103
Total Quotes
11
ZIP Codes
Coverage Breakdown
Liability Only46.6%
Full Coverage38.8%
Broad Form14.6%
Rate Distribution
Lowest Observed Rate$29.67/mo
Highest Observed Rate$422.56/mo
Spread Percentage1324%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Dairyland, Bristol West, National General
Arapahoe County Auto Insurance Rates
93 QuotesAvg Monthly Premium
$219
All drivers, all coverages
Annual Premium
$2,633
Avg across carriers
Liability Only Avg
$143/mo
State minimum coverage
Full Coverage Avg
$359/mo
Comp + collision included
⚡ Carrier Price Spread
$39.08/mo — $806.05/mo | 1963% gap
📊 Quote Volume in Arapahoe County
93
Total Quotes
13
ZIP Codes
Coverage Breakdown
Liability Only55.9%
Full Coverage33.3%
Broad Form10.8%
Rate Distribution
Lowest Observed Rate$39.08/mo
Highest Observed Rate$806.05/mo
Spread Percentage1963%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota, Dairyland, National General
Adams County Auto Insurance Rates
77 QuotesAvg Monthly Premium
$169
All drivers, all coverages
Annual Premium
$2,031
Avg across carriers
Liability Only Avg
$152/mo
State minimum coverage
Full Coverage Avg
$245/mo
Comp + collision included
⚡ Carrier Price Spread
$48.5/mo — $453.49/mo | 835% gap
📊 Quote Volume in Adams County
77
Total Quotes
15
ZIP Codes
Coverage Breakdown
Liability Only50.6%
Full Coverage27.3%
Broad Form22.1%
Rate Distribution
Lowest Observed Rate$48.5/mo
Highest Observed Rate$453.49/mo
Spread Percentage835%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Larimer County Auto Insurance Rates
72 QuotesAvg Monthly Premium
$145
All drivers, all coverages
Annual Premium
$1,737
Avg across carriers
Liability Only Avg
$88/mo
State minimum coverage
Full Coverage Avg
$263/mo
Comp + collision included
⚡ Carrier Price Spread
$32.66/mo — $955.0/mo | 2824% gap
📊 Quote Volume in Larimer County
72
Total Quotes
10
ZIP Codes
Coverage Breakdown
Liability Only52.8%
Full Coverage33.3%
Broad Form13.9%
Rate Distribution
Lowest Observed Rate$32.66/mo
Highest Observed Rate$955.0/mo
Spread Percentage2824%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota, Dairyland, The General
Jefferson County Auto Insurance Rates
58 QuotesAvg Monthly Premium
$164
All drivers, all coverages
Annual Premium
$1,974
Avg across carriers
Liability Only Avg
$142/mo
State minimum coverage
Full Coverage Avg
$269/mo
Comp + collision included
⚡ Carrier Price Spread
$45.66/mo — $407.75/mo | 793% gap
📊 Quote Volume in Jefferson County
58
Total Quotes
18
ZIP Codes
Coverage Breakdown
Liability Only67.2%
Full Coverage22.4%
Broad Form10.3%
Rate Distribution
Lowest Observed Rate$45.66/mo
Highest Observed Rate$407.75/mo
Spread Percentage793%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota, Dairyland, The General
Boulder County Auto Insurance Rates
#09 of 20 • 52 QuotesAvg Monthly Premium
$147
All drivers, all coverages
Annual Premium
$1,769
Avg across carriers
Liability Only Avg
$99/mo
State minimum coverage
Full Coverage Avg
$256/mo
Comp + collision included
⚡ Carrier Price Spread
$40.66/mo — $854.78/mo | 2002% gap
📊 Quote Volume in Boulder County
52
Total Quotes
11
ZIP Codes
Coverage Breakdown
Liability Only55.8%
Full Coverage30.8%
Broad Form13.5%
Rate Distribution
Lowest Observed Rate$40.66/mo
Highest Observed Rate$854.78/mo
Spread Percentage2002%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota, Dairyland, National General
Fremont County Auto Insurance Rates
21 QuotesAvg Monthly Premium
$107
All drivers, all coverages
Annual Premium
$1,282
Avg across carriers
Liability Only Avg
$69/mo
State minimum coverage
Full Coverage Avg
$204/mo
Comp + collision included
⚡ Carrier Price Spread
$36.08/mo — $240.32/mo | 566% gap
📊 Quote Volume in Fremont County
21
Total Quotes
3
ZIP Codes
Coverage Breakdown
Liability Only61.9%
Full Coverage28.6%
Broad Form9.5%
Rate Distribution
Lowest Observed Rate$36.08/mo
Highest Observed Rate$240.32/mo
Spread Percentage566%
Carrier Distribution
Most Quoted CarriersMendota, Progressive, Dairyland, Bristol West
Weld County Auto Insurance Rates
20 QuotesAvg Monthly Premium
$160
All drivers, all coverages
Annual Premium
$1,924
Avg across carriers
Liability Only Avg
$92/mo
State minimum coverage
Full Coverage Avg
$231/mo
Comp + collision included
⚡ Carrier Price Spread
$10.83/mo — $376.3/mo | 3375% gap
📊 Quote Volume in Weld County
20
Total Quotes
10
ZIP Codes
Coverage Breakdown
Liability Only35.0%
Full Coverage50.0%
Broad Form15.0%
Rate Distribution
Lowest Observed Rate$10.83/mo
Highest Observed Rate$376.3/mo
Spread Percentage3375%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General
Elbert County Auto Insurance Rates
10 QuotesAvg Monthly Premium
$172
All drivers, all coverages
Annual Premium
$2,067
Avg across carriers
Liability Only Avg
$171/mo
State minimum coverage
Full Coverage Avg
$289/mo
Comp + collision included
⚡ Carrier Price Spread
$70.83/mo — $317.77/mo | 349% gap
📊 Quote Volume in Elbert County
10
Total Quotes
4
ZIP Codes
Coverage Breakdown
Liability Only30.0%
Full Coverage20.0%
Broad Form50.0%
Rate Distribution
Lowest Observed Rate$70.83/mo
Highest Observed Rate$317.77/mo
Spread Percentage349%
Carrier Distribution
Most Quoted CarriersBristol West, Dairyland, Progressive
Alamosa County Auto Insurance Rates
9 QuotesAvg Monthly Premium
$121
All drivers, all coverages
Annual Premium
$1,456
Avg across carriers
Liability Only Avg
$69/mo
State minimum coverage
Full Coverage Avg
$203/mo
Comp + collision included
⚡ Carrier Price Spread
$27.83/mo — $301.83/mo | 985% gap
📊 Quote Volume in Alamosa County
9
Total Quotes
2
ZIP Codes
Coverage Breakdown
Liability Only33.3%
Full Coverage44.4%
Broad Form22.2%
Rate Distribution
Lowest Observed Rate$27.83/mo
Highest Observed Rate$301.83/mo
Spread Percentage985%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, Dairyland, National General
Garfield County Auto Insurance Rates
9 QuotesAvg Monthly Premium
$96
All drivers, all coverages
Annual Premium
$1,156
Avg across carriers
Liability Only Avg
$66/mo
State minimum coverage
Full Coverage Avg
$203/mo
Comp + collision included
⚡ Carrier Price Spread
$27.5/mo — $235.68/mo | 757% gap
📊 Quote Volume in Garfield County
9
Total Quotes
3
ZIP Codes
Coverage Breakdown
Liability Only77.8%
Full Coverage22.2%
Broad Form-0.0%
Rate Distribution
Lowest Observed Rate$27.5/mo
Highest Observed Rate$235.68/mo
Spread Percentage757%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, Dairyland
Douglas County Auto Insurance Rates
9 QuotesAvg Monthly Premium
$278
All drivers, all coverages
Annual Premium
$3,336
Avg across carriers
Liability Only Avg
$154/mo
State minimum coverage
Full Coverage Avg
$313/mo
Comp + collision included
⚡ Carrier Price Spread
$85.33/mo — $558.08/mo | 554% gap
📊 Quote Volume in Douglas County
9
Total Quotes
6
ZIP Codes
Coverage Breakdown
Liability Only22.2%
Full Coverage77.8%
Broad Form-0.0%
Rate Distribution
Lowest Observed Rate$85.33/mo
Highest Observed Rate$558.08/mo
Spread Percentage554%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Mendota
Broomfield County Auto Insurance Rates
Avg Monthly Premium
$335
All drivers, all coverages
Annual Premium
$4,016
Avg across carriers
Liability Only Avg
$191/mo
State minimum coverage
Full Coverage Avg
$450/mo
Comp + collision included
⚡ Carrier Price Spread
$49.91/mo — $607.5/mo | 1117% gap
📊 Quote Volume in Broomfield County
9
Total Quotes
2
ZIP Codes
Coverage Breakdown
Liability Only44.4%
Full Coverage55.6%
Broad Form0.0%
Rate Distribution
Lowest Observed Rate$49.91/mo
Highest Observed Rate$607.5/mo
Spread Percentage1117%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West, Dairyland
Gilpin County Auto Insurance Rates
7 QuotesAvg Monthly Premium
$130
All drivers, all coverages
Annual Premium
$1,560
Avg across carriers
Liability Only Avg
$124/mo
State minimum coverage
Full Coverage Avg
$138/mo
Comp + collision included
⚡ Carrier Price Spread
$61.25/mo — $313.03/mo | 411% gap
📊 Quote Volume in Gilpin County
7
Total Quotes
1
ZIP Codes
Coverage Breakdown
Liability Only57.1%
Full Coverage42.9%
Broad Form0.0%
Rate Distribution
Lowest Observed Rate$61.25/mo
Highest Observed Rate$313.03/mo
Spread Percentage411%
Carrier Distribution
Most Quoted CarriersProgressive, Bristol West
Saguache County Auto Insurance Rates
6 QuotesAvg Monthly Premium
$91
All drivers, all coverages
Annual Premium
$1,090
Avg across carriers
Liability Only Avg
$105/mo
State minimum coverage
Full Coverage Avg
N/A
No full coverage quotes
⚡ Carrier Price Spread
$42.9/mo — $125.79/mo | 193% gap
📊 Quote Volume in Saguache County
6
Total Quotes
2
ZIP Codes
Coverage Breakdown
Liability Only66.7%
Full Coverage0.0%
Broad Form33.3%
Rate Distribution
Lowest Observed Rate$42.9/mo
Highest Observed Rate$125.79/mo
Spread Percentage193%
Carrier Distribution
Most Quoted CarriersDairyland, The General
Lincoln County Auto Insurance Rates
6 QuotesAvg Monthly Premium
$137
All drivers, all coverages
Annual Premium
$1,642
Avg across carriers
Liability Only Avg
$52/mo
State minimum coverage
Full Coverage Avg
$179/mo
Comp + collision included
⚡ Carrier Price Spread
$52.15/mo — $179.04/mo | 243% gap
📊 Quote Volume in Lincoln County
6
Total Quotes
3
ZIP Codes
Coverage Breakdown
Liability Only16.7%
Full Coverage16.7%
Broad Form66.7%
Rate Distribution
Lowest Observed Rate$52.15/mo
Highest Observed Rate$179.04/mo
Spread Percentage243%
Carrier Distribution
Most Quoted CarriersDairyland, Bristol West, Progressive
Morgan County Auto Insurance Rates
#20 of 20 • 6 QuotesAvg Monthly Premium
$83
All drivers, all coverages
Annual Premium
$998
Avg across carriers
Liability Only Avg
$103/mo
State minimum coverage
Full Coverage Avg
N/A
No full coverage quotes
⚡ Carrier Price Spread
$35.16/mo — $128.25/mo | 265% gap
📊 Quote Volume in Morgan County
6
Total Quotes
3
ZIP Codes
Coverage Breakdown
Liability Only66.7%
Full Coverage0.0%
Broad Form33.3%
Rate Distribution
Lowest Observed Rate$35.16/mo
Highest Observed Rate$128.25/mo
Spread Percentage265%
Carrier Distribution
Most Quoted CarriersMendota, Bristol West, National General
Last Updated on by Jayleen Ridgeway