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 2024–2026.
Data: 4,438 quotes • 52 Colorado counties • 317 ZIP codes
Colorado Auto · Rate Overview
Colorado Auto Insurance Rate Overview (2024–2026 Quote Data)
This Colorado auto report summarizes 4,438 first-party auto insurance quotes produced through our licensed brokerage, covering 52 counties and 317 ZIP codes. The goal is simple: help drivers compare insurance rates by county, and understand how liability insurance, full coverage, and other insurance types can shift monthly price outcomes.
Across the counties shown on this page, quote activity is concentrated in El Paso, Denver, Pueblo, Arapahoe, and Adams. In higher-density areas, the average premium tends to run higher and the carrier spread can be wider — because underwriting outcomes vary by driver, vehicle insurance details, violations, accidents, credit (where permitted), and coverage choices like deductible levels.
A key takeaway from this state dataset is that “county averages” are best used as guidance, not a promise of the cheapest price. If you’re shopping for insurance auto options (liability only, full coverage, broad form, or non-owners policies), the fastest path is still a fresh insurance quote so you can compare insurance companies side by side.
What this page is: real quote outcomes organized by county so you can compare rates month to month.
What this page is not: a guaranteed rate or a mutual carrier filing summary — it reflects what we observed in live quoting and policy service records.
What this page is not: a guaranteed rate or a mutual carrier filing summary — it reflects what we observed in live quoting and policy service records.
County level insurance data can help show how ZIP code and local risk patterns influence premiums across Colorado. Drivers comparing urban and rural markets often want to see how county trends affect pricing, policy structure, and carrier availability. For a more localized example, explore El Paso County auto insurance to see how one Colorado county can differ from statewide averages.
Methodology · How the Data Was Built
How This Colorado County Rate Data Was Built
4,438
Total Quotes
52
Colorado Counties
317
ZIP Codes
This page is built from first-party quote records between 2024 and 2026. Quotes were assigned to counties using the garaging ZIP code captured during the quoting process. County sections summarize observed monthly rates across coverage selections (liability insurance, full coverage, broad form, and other policies when present).
Average monthly premium reflects the mean monthly premium in that county’s quote set for the period shown. Carrier price spread reflects the lowest and highest observed monthly premium in that county dataset. The spread can be large because underwriting eligibility, driver history (DUI, violations, accidents), SR-22 insurance needs, and vehicle factors can change outcomes sharply.
Because rates can change by month and the mix of drivers in each county can differ, these results are best used as comparison resources. For an exact estimate, a new insurance quote is still required — online or by phone.
Coverage types tracked: liability only, full coverage (comp + collision), broad form, and non-owners/other policies where present in the dataset.
Colorado Auto Insurance Rates by County
El Paso County Auto Insurance Rates
1,982 QuotesAvg Monthly Premium
$168
All drivers, all coverages
Annual Premium
$2,013
Avg across carriers
Liability Only Avg
$125/mo
State minimum coverage
Full Coverage Avg
$284/mo
Comp + collision included
⚡ Carrier Price Spread
$6.25/mo — $2,284.95/mo | 36,459% gap
📊 Quote Volume in El Paso County
1,982
Total Quotes
45
ZIP Codes
Coverage Breakdown
Liability Only43.9%
Full Coverage32.3%
Broad Form9.0%
Rate Distribution
Lowest Observed Rate$6.25/mo
Highest Observed Rate$2,284.95/mo
Spread Percentage36,459%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, ASI
Denver County Auto Insurance Rates
425 QuotesAvg Monthly Premium
$163
All drivers, all coverages
Annual Premium
$1,951
Avg across carriers
Liability Only Avg
$129/mo
State minimum coverage
Full Coverage Avg
$262/mo
Comp + collision included
⚡ Carrier Price Spread
$11.42/mo — $1,838.33/mo | 16,001% gap
📊 Quote Volume in Denver County
425
Total Quotes
36
ZIP Codes
Coverage Breakdown
Liability Only46.6%
Full Coverage32.5%
Broad Form9.9%
Rate Distribution
Lowest Observed Rate$11.42/mo
Highest Observed Rate$1,838.33/mo
Spread Percentage16,001%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Pueblo County Auto Insurance Rates
397 QuotesAvg Monthly Premium
$155
All drivers, all coverages
Annual Premium
$1,859
Avg across carriers
Liability Only Avg
$117/mo
State minimum coverage
Full Coverage Avg
$253/mo
Comp + collision included
⚡ Carrier Price Spread
$12.58/mo — $1,843.25/mo | 14,556% gap
📊 Quote Volume in Pueblo County
397
Total Quotes
11
ZIP Codes
Coverage Breakdown
Liability Only44.1%
Full Coverage31.5%
Broad Form11.8%
Rate Distribution
Lowest Observed Rate$12.58/mo
Highest Observed Rate$1,843.25/mo
Spread Percentage14,556%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Mesa County Auto Insurance Rates
256 QuotesAvg Monthly Premium
$126
All drivers, all coverages
Annual Premium
$1,509
Avg across carriers
Liability Only Avg
$90/mo
State minimum coverage
Full Coverage Avg
$210/mo
Comp + collision included
⚡ Carrier Price Spread
$10.42/mo — $1,035.25/mo | 9,834% gap
📊 Quote Volume in Mesa County
256
Total Quotes
14
ZIP Codes
Coverage Breakdown
Liability Only45.3%
Full Coverage34.4%
Broad Form10.2%
Rate Distribution
Lowest Observed Rate$10.42/mo
Highest Observed Rate$1,035.25/mo
Spread Percentage9,834%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Arapahoe County Auto Insurance Rates
251 QuotesAvg Monthly Premium
$197
All drivers, all coverages
Annual Premium
$2,366
Avg across carriers
Liability Only Avg
$141/mo
State minimum coverage
Full Coverage Avg
$343/mo
Comp + collision included
⚡ Carrier Price Spread
$11.67/mo — $1,740.58/mo | 14,814% gap
📊 Quote Volume in Arapahoe County
251
Total Quotes
23
ZIP Codes
Coverage Breakdown
Liability Only44.2%
Full Coverage32.7%
Broad Form8.8%
Rate Distribution
Lowest Observed Rate$11.67/mo
Highest Observed Rate$1,740.58/mo
Spread Percentage14,814%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Larimer County Auto Insurance Rates
183 QuotesAvg Monthly Premium
$140
All drivers, all coverages
Annual Premium
$1,681
Avg across carriers
Liability Only Avg
$94/mo
State minimum coverage
Full Coverage Avg
$269/mo
Comp + collision included
⚡ Carrier Price Spread
$9.58/mo — $1,384.33/mo | 14,353% gap
📊 Quote Volume in Larimer County
183
Total Quotes
16
ZIP Codes
Coverage Breakdown
Liability Only46.4%
Full Coverage35.0%
Broad Form7.7%
Rate Distribution
Lowest Observed Rate$9.58/mo
Highest Observed Rate$1,384.33/mo
Spread Percentage14,353%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Adams County Auto Insurance Rates
163 QuotesAvg Monthly Premium
$199
All drivers, all coverages
Annual Premium
$2,392
Avg across carriers
Liability Only Avg
$144/mo
State minimum coverage
Full Coverage Avg
$330/mo
Comp + collision included
⚡ Carrier Price Spread
$10.83/mo — $1,955.00/mo | 17,957% gap
📊 Quote Volume in Adams County
163
Total Quotes
20
ZIP Codes
Coverage Breakdown
Liability Only45.4%
Full Coverage31.3%
Broad Form9.2%
Rate Distribution
Lowest Observed Rate$10.83/mo
Highest Observed Rate$1,955.00/mo
Spread Percentage17,957%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Jefferson County Auto Insurance Rates
158 QuotesAvg Monthly Premium
$170
All drivers, all coverages
Annual Premium
$2,039
Avg across carriers
Liability Only Avg
$128/mo
State minimum coverage
Full Coverage Avg
$278/mo
Comp + collision included
⚡ Carrier Price Spread
$9.58/mo — $1,787.58/mo | 18,560% gap
📊 Quote Volume in Jefferson County
158
Total Quotes
19
ZIP Codes
Coverage Breakdown
Liability Only47.5%
Full Coverage34.2%
Broad Form8.9%
Rate Distribution
Lowest Observed Rate$9.58/mo
Highest Observed Rate$1,787.58/mo
Spread Percentage18,560%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Boulder County Auto Insurance Rates
130 QuotesAvg Monthly Premium
$152
All drivers, all coverages
Annual Premium
$1,819
Avg across carriers
Liability Only Avg
$113/mo
State minimum coverage
Full Coverage Avg
$269/mo
Comp + collision included
⚡ Carrier Price Spread
$9.58/mo — $1,362.50/mo | 14,124% gap
📊 Quote Volume in Boulder County
130
Total Quotes
14
ZIP Codes
Coverage Breakdown
Liability Only43.1%
Full Coverage36.2%
Broad Form7.7%
Rate Distribution
Lowest Observed Rate$9.58/mo
Highest Observed Rate$1,362.50/mo
Spread Percentage14,124%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Weld County Auto Insurance Rates
57 QuotesAvg Monthly Premium
$178
All drivers, all coverages
Annual Premium
$2,130
Avg across carriers
Liability Only Avg
$132/mo
State minimum coverage
Full Coverage Avg
$310/mo
Comp + collision included
⚡ Carrier Price Spread
$9.58/mo — $1,035.25/mo | 10,707% gap
📊 Quote Volume in Weld County
57
Total Quotes
16
ZIP Codes
Coverage Breakdown
Liability Only43.9%
Full Coverage36.8%
Broad Form7.0%
Rate Distribution
Lowest Observed Rate$9.58/mo
Highest Observed Rate$1,035.25/mo
Spread Percentage10,707%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Fremont County Auto Insurance Rates
57 QuotesAvg Monthly Premium
$131
All drivers, all coverages
Annual Premium
$1,576
Avg across carriers
Liability Only Avg
$103/mo
State minimum coverage
Full Coverage Avg
$226/mo
Comp + collision included
⚡ Carrier Price Spread
$10.42/mo — $631.67/mo | 5,964% gap
📊 Quote Volume in Fremont County
57
Total Quotes
5
ZIP Codes
Coverage Breakdown
Liability Only45.6%
Full Coverage26.3%
Broad Form21.1%
Rate Distribution
Lowest Observed Rate$10.42/mo
Highest Observed Rate$631.67/mo
Spread Percentage5,964%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Douglas County Auto Insurance Rates
45 QuotesAvg Monthly Premium
$268
All drivers, all coverages
Annual Premium
$3,212
Avg across carriers
Liability Only Avg
$153/mo
State minimum coverage
Full Coverage Avg
$318/mo
Comp + collision included
⚡ Carrier Price Spread
$11.67/mo — $1,751.25/mo | 14,912% gap
📊 Quote Volume in Douglas County
45
Total Quotes
10
ZIP Codes
Coverage Breakdown
Liability Only33.3%
Full Coverage44.4%
Broad Form8.9%
Rate Distribution
Lowest Observed Rate$11.67/mo
Highest Observed Rate$1,751.25/mo
Spread Percentage14,912%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Teller County Auto Insurance Rates
29 QuotesAvg Monthly Premium
$132
All drivers, all coverages
Annual Premium
$1,583
Avg across carriers
Liability Only Avg
$94/mo
State minimum coverage
Full Coverage Avg
$248/mo
Comp + collision included
⚡ Carrier Price Spread
$21.08/mo — $1,538.50/mo | 7,196% gap
📊 Quote Volume in Teller County
29
Total Quotes
4
ZIP Codes
Coverage Breakdown
Liability Only55.2%
Full Coverage31.0%
Broad Form10.3%
Rate Distribution
Lowest Observed Rate$21.08/mo
Highest Observed Rate$1,538.50/mo
Spread Percentage7,196%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Garfield County Auto Insurance Rates
19 QuotesAvg Monthly Premium
$134
All drivers, all coverages
Annual Premium
$1,608
Avg across carriers
Liability Only Avg
$96/mo
State minimum coverage
Full Coverage Avg
$219/mo
Comp + collision included
⚡ Carrier Price Spread
$13.42/mo — $521.67/mo | 3,787% gap
📊 Quote Volume in Garfield County
19
Total Quotes
4
ZIP Codes
Coverage Breakdown
Liability Only36.8%
Full Coverage42.1%
Broad Form5.3%
Rate Distribution
Lowest Observed Rate$13.42/mo
Highest Observed Rate$521.67/mo
Spread Percentage3,787%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Broomfield County Auto Insurance Rates
16 QuotesAvg Monthly Premium
$230
All drivers, all coverages
Annual Premium
$2,757
Avg across carriers
Liability Only Avg
$159/mo
State minimum coverage
Full Coverage Avg
$363/mo
Comp + collision included
⚡ Carrier Price Spread
$25.83/mo — $880.83/mo | 3,309% gap
📊 Quote Volume in Broomfield County
16
Total Quotes
3
ZIP Codes
Coverage Breakdown
Liability Only43.8%
Full Coverage25.0%
Broad Form6.2%
Rate Distribution
Lowest Observed Rate$25.83/mo
Highest Observed Rate$880.83/mo
Spread Percentage3,309%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Morgan County Auto Insurance Rates
15 QuotesAvg Monthly Premium
$122
All drivers, all coverages
Annual Premium
$1,465
Avg across carriers
Liability Only Avg
$115/mo
State minimum coverage
Full Coverage Avg
$247/mo
Comp + collision included
⚡ Carrier Price Spread
$17.92/mo — $371.67/mo | 1,974% gap
📊 Quote Volume in Morgan County
15
Total Quotes
6
ZIP Codes
Coverage Breakdown
Liability Only60.0%
Full Coverage20.0%
Broad Form0.0%
Rate Distribution
Lowest Observed Rate$17.92/mo
Highest Observed Rate$371.67/mo
Spread Percentage1,974%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Elbert County Auto Insurance Rates
15 QuotesAvg Monthly Premium
$219
All drivers, all coverages
Annual Premium
$2,625
Avg across carriers
Liability Only Avg
$150/mo
State minimum coverage
Full Coverage Avg
$392/mo
Comp + collision included
⚡ Carrier Price Spread
$32.92/mo — $1,175.58/mo | 3,471% gap
📊 Quote Volume in Elbert County
15
Total Quotes
5
ZIP Codes
Coverage Breakdown
Liability Only33.3%
Full Coverage46.7%
Broad Form6.7%
Rate Distribution
Lowest Observed Rate$32.92/mo
Highest Observed Rate$1,175.58/mo
Spread Percentage3,471%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
La Plata County Auto Insurance Rates
15 QuotesAvg Monthly Premium
$125
All drivers, all coverages
Annual Premium
$1,499
Avg across carriers
Liability Only Avg
$83/mo
State minimum coverage
Full Coverage Avg
$224/mo
Comp + collision included
⚡ Carrier Price Spread
$24.50/mo — $454.92/mo | 1,757% gap
📊 Quote Volume in La Plata County
15
Total Quotes
4
ZIP Codes
Coverage Breakdown
Liability Only46.7%
Full Coverage40.0%
Broad Form6.7%
Rate Distribution
Lowest Observed Rate$24.50/mo
Highest Observed Rate$454.92/mo
Spread Percentage1,757%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
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Alamosa County Auto Insurance Rates
15 QuotesAvg Monthly Premium
$118
All drivers, all coverages
Annual Premium
$1,419
Avg across carriers
Liability Only Avg
$90/mo
State minimum coverage
Full Coverage Avg
$214/mo
Comp + collision included
⚡ Carrier Price Spread
$35.83/mo — $519.25/mo | 1,349% gap
📊 Quote Volume in Alamosa County
15
Total Quotes
3
ZIP Codes
Coverage Breakdown
Liability Only46.7%
Full Coverage33.3%
Broad Form13.3%
Rate Distribution
Lowest Observed Rate$35.83/mo
Highest Observed Rate$519.25/mo
Spread Percentage1,349%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
Saguache County Auto Insurance Rates
14 QuotesAvg Monthly Premium
$120
All drivers, all coverages
Annual Premium
$1,438
Avg across carriers
Liability Only Avg
$95/mo
State minimum coverage
Full Coverage Avg
$220/mo
Comp + collision included
⚡ Carrier Price Spread
$42.50/mo — $416.08/mo | 879% gap
📊 Quote Volume in Saguache County
14
Total Quotes
4
ZIP Codes
Coverage Breakdown
Liability Only57.1%
Full Coverage28.6%
Broad Form14.3%
Rate Distribution
Lowest Observed Rate$42.50/mo
Highest Observed Rate$416.08/mo
Spread Percentage879%
Carrier Distribution
Most Quoted CarriersProgressive, Mendota, Bristol West, National General, Dairyland
For more detail, review our Colorado car insurance guide, compare local examples with El Paso County auto insurance, and explore alternative carrier options such as Dairyland Insurance and Bristol West Insurance.
Last Updated on by Brian Muse