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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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The average Chevrolet Colorado driver pays around $96 per month for liability insurance and $176 for full coverage. The Colorado is Chevy’s least-expensive pickup truck, and it has a four-star National Highway Traffic Safety Administration (NHTSA) safety ratings dating back to the 2011 model.[1]
As a result, Colorado owners pay some of the cheapest average midsize pickup truck insurance rates, according to Compare.com data. That said, factors like your age, driving history, ZIP code, and coverage needs determine how much you’ll pay to insure your Chevrolet Colorado.
We compared rates to find the cheapest insurers by driver profile and coverage, and we’ll show you several ways to save on Colorado insurance.
Chevrolet Colorado car insurance averages $136 per month — less than the national average for all vehicles.
Mile Auto offers the cheapest car insurance rates for the Chevy Colorado, averaging $60 per month.
Iowa drivers pay the least for Chevrolet Colorado auto insurance — $81 per month, on average — while New York drivers pay the most.
The average cost to insure a Chevrolet Colorado depends primarily on the type of insurance policy you choose. A liability-only policy covers other drivers’ damages and injuries if you cause an accident. It also meets your state’s minimum-coverage requirements.
Full-coverage policies, on the other hand, also include coverage for your injuries and damage to your vehicle.
The table below shows the national average monthly cost for different policy types and how rates for the Chevrolet Colorado compare to all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Chevrolet Colorado | $96 | $176 | $136 |
| All vehicles | $107 | $197 | $152 |
Chevrolet Colorado drivers pay an average of $96 per month for a liability-only policy and $176 for full coverage, according to Compare.com data.
Other factors affecting your insurance premium include the insurance company you choose, your Colorado’s model year, your age, and your driving record.
Although the average cost of Colorado insurance is $136 per month, you can find multiple ways to save on your car insurance.
Comparing quotes from several companies is a good place to start. The insurers in the following table have some of the cheapest rates for a Chevrolet Colorado, according to our data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $60 |
| Certainly | $62 |
| Root | $82 |
| Just Insure | $83 |
| Clearcover | $90 |
Mile Auto has the cheapest average rates for a Colorado, at just $60 per month. That’s less than half the national average for the popular midsize truck.
But these companies may not be the most affordable option for everyone. Shopping around and comparing companies, prices, and discounts will help you get the best insurance rate for your unique driver profile.
Policies start as low as $41 per month.
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While there’s no single best insurance company for all drivers, several companies are “best” for different drivers and scenarios. We found several companies offering affordable rates and a good range of coverage options and discounts.
The following three companies may be worth getting quotes from, according to our analysis. We’ve included the best options for low-mileage drivers, basic protection, and full coverage.
Average premium: $60 per month
Compare.com Rating: 2.98 out of 5
Incredibly cheap rates
Mileage-based pricing
Doesn’t track data or driving behaviors
Mixed customer reviews
Available in only seven states
No available discounts
Mile Auto uses factors like your driving record, age, ZIP code, credit history, and vehicle type to determine your base and per-mile rates. Then, you get periodic emails and text reminders to upload a photo of your odometer instead of plugging in a device or using a mobile app.
The company offers affordable liability and full-coverage policies and may be a good fit for low-mileage drivers in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
But unlike other companies, Mile Auto doesn’t offer any discounts, and customer reviews are mixed.
Average premium: $62 per month
Compare.com Rating: Not rated
Affordable rates
Financially backed by Liberty Mutual
24/7 online claims support
Available in only five states
No bundling discount
Below-average customer reviews
Certainly may be a good option for drivers in Arizona, Illinois, Ohio, Tennessee, and Wisconsin. In addition to basic liability, the company offers full-coverage policies if you’re looking for comprehensive and collision coverage for your Colorado.
But roadside assistance and rental reimbursement are the only optional coverages Certainly offers. And although Liberty Mutual backs Certainly financially, Liberty’s representatives can’t access its policies.
Since Certainly offers only auto insurance, there’s no way to bundle policies, so it may not be a good fit if you also need renters or home insurance. That said, you can customize your policy with available coverage options and get discounts for paying on time, shopping early, and having a clean driving record.
Average premium: $90 per month
Compare.com Rating: 3.37 out of 5
Automatically applies discounts
Excellent mobile app ratings
24/7 claims support
Higher rates than some competitors
Gap insurance not available
No local agents
If you’re tech-savvy and don’t mind the lack of local agents, Clearcover may be a good fit, whether you need liability only or full coverage. Though it doesn’t offer gap insurance or mechanical breakdown coverage, its full-coverage policy provides the basics, and discounts you qualify for apply automatically.
But like Certainly, Clearcover doesn’t offer a bundling discount.
Clearcover’s mobile app is highly rated, and you get 24/7 claims support. But if you have to make policy changes, you’ll have to call Clearcover customer service.
Compare quotes from America’s top insurers in minutes.
Your Colorado’s model year can indirectly affect how much you pay for car insurance. In general, the more your Colorado is worth, the more it costs to insure — meaning insurance premiums are more expensive for newer Colorados than older models.
The following table shows the average monthly cost for each Colorado model year, which insurer is cheapest, and its average monthly premium, according to our data.
Colorado Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $176 | Mile Auto | $81 |
| 2023 | $147 | Mile Auto | $56 |
| 2022 | $149 | Mile Auto | $74 |
| 2021 | $146 | Mile Auto | $57 |
| 2020 | $145 | Mile Auto | $68 |
| 2019 | $142 | Mile Auto | $61 |
| 2018 | $136 | Mile Auto | $54 |
| 2017 | $132 | Mile Auto | $68 |
| 2016 | $136 | Certainly | $41 |
| 2015 | $126 | Mile Auto | $58 |
Where you live also affects your insurance rate. Let’s take a closer look at how rates for Chevy Colorados vary by state.
The state you live in — down to your ZIP code — factors into your Chevrolet Colorado insurance costs. So do weather patterns, traffic, vehicle theft rates, and local insurance requirements. The cost of vehicle repairs, legal fees, and healthcare also affect car insurance pricing. All of these mean that average rates vary widely from one state to the next.
We break down Chevrolet Colorado insurance rates by state in the table below.
State | Average Monthly Premium |
|---|---|
| Alabama | $89 |
| Arizona | $120 |
| Arkansas | $172 |
| California | $173 |
| Colorado | $140 |
| Connecticut | $273 |
| Delaware | $166 |
| Florida | $175 |
| Georgia | $178 |
| Idaho | $90 |
| Illinois | $112 |
| Indiana | $97 |
| Iowa | $81 |
| Kansas | $110 |
| Kentucky | $175 |
| Louisiana | $162 |
| Maine | $106 |
| Maryland | $247 |
| Massachusetts | $135 |
| Michigan | $210 |
| Minnesota | $135 |
| Mississippi | $135 |
| Missouri | $131 |
| Montana | $109 |
| Nebraska | $126 |
| Nevada | $214 |
| New Hampshire | $82 |
| New Jersey | $142 |
| New Mexico | $104 |
| New York | $345 |
| North Carolina | $67 |
| North Dakota | $104 |
| Ohio | $91 |
| Oklahoma | $116 |
| Oregon | $115 |
| Pennsylvania | $117 |
| Rhode Island | $103 |
| South Carolina | $197 |
| South Dakota | $87 |
| Tennessee | $101 |
| Texas | $159 |
| Utah | $131 |
| Vermont | $97 |
| Virginia | $130 |
| Washington | $100 |
| Washington, D.C. | $204 |
| West Virginia | $104 |
| Wisconsin | $91 |
| Wyoming | $87 |
Your age is another top factor insurers use to determine the price you pay for auto insurance. Let’s take a closer look.
Insurance companies use your age as one of their main rating factors to determine rates. Teens and young drivers have the highest rates because they have the least driving experience and are most likely to cause crashes.[2]
As drivers gain experience behind the wheel, insurance rates typically decrease, as the table below shows. You can also see the average monthly premium by age group and the cheapest insurer’s rate for each.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $256 | Mile Auto | $113 |
| 20s | $175 | Mile Auto | $77 |
| 30s | $136 | Mile Auto | $60 |
| 40s | $124 | Mile Auto | $55 |
| 50s | $112 | Mile Auto | $49 |
| 60s | $105 | Mile Auto | $46 |
| 70s | $113 | Mile Auto | $50 |
The cheapest car insurance company for teen and senior Colorado owners is Mile Auto, with an average monthly premium of $113 for teen drivers and $50 for seniors. Though drivers in their 70s often drive less, age-related changes in vision and slower reaction times increase the risk of causing an accident, leading to higher rates.[3]
Your driving record is another significant factor affecting the cost of your car insurance. Insurance companies consider drivers with tickets and accidents at higher risk of filing a claim, so they charge more to cover future claims.
You can see in the table below how a speeding ticket, DUI, or at-fault accident affects your insurance rate. The table also shows each driver profile’s cheapest insurance company and average monthly cost.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $136 | Mile Auto | $60 |
| Speeding ticket | $189 | Mile Auto | $83 |
| At-fault accident | $197 | Mile Auto | $87 |
| DUI | $224 | Mile Auto | $99 |
The cost to insure a Chevrolet Colorado driver increases substantially after an at-fault accident or DUI. Drivers with a clean driving record get the best rates — an average of $136 per month — while those with a DUI pay the most, at $224 per month.
That said, Mile Auto is the cheapest car insurance company for each driving profile.
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The following features and options may affect how much you pay to insure your Chevrolet Colorado:
Trim levels: The Chevrolet Colorado has five trim levels — each with more features and a higher price tag. The more expensive trim models usually cost more to insure.
Advanced safety features: Newer Chevrolet Colorado models come with Chevy Safety Assist, which includes six advanced safety features that usually lower insurance premiums. You can also typically get a safety features discount.
Display and touch screens: Although touch screens and performance displays make driving your Chevrolet Colorado easier, they can also drive up repair costs, increasing premiums.
Truck-specific insurance costs: Trucks are often cheaper to insure than cars, according to Compare.com data. In fact, the Chevrolet Colorado has the cheapest average monthly rate of any midsize pickup, according to our analysis.
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Though Chevrolet Colorado car insurance rates are cheap in general, you can find ways to get even cheaper rates:
Bundle your home and auto insurance. Bundling your Colorado, other vehicles, and home or renters insurance with the same company is an easy way to get a significant discount. The multi-car discount offers savings of up to 25%, depending on the insurance company, and so does the multi-policy discount.
Buy only the coverage you need. As your Chevrolet Colorado gets older and you pay off your loan, consider whether you still need full coverage. You might not need comprehensive or collision insurance if you can afford to repair or replace your Colorado out of pocket.
Maintain a clean driving record. Avoiding tickets and accidents means you get the best rates.
Shop often and compare quotes. Shopping every six months or when your policy renews can ensure you get the lowest price for the coverage you need. Use a car insurance comparison site to compare multiple quotes faster and more efficiently.[4]
Compare personalized quotes from dozens of the nation’s top insurers.
We answered some of the most common questions people ask about Chevrolet Colorado car insurance.
No. Chevrolet Colorados cost an average of $136 per month to insure — $16 cheaper than the average cost for all vehicles, according to Compare.com data.
It costs $96 per month on average to insure a Chevy Colorado with liability-only coverage and $176 for full coverage, according to Compare.com data. That said, your personal insurance rate depends on factors including your age, driving record, credit history, and ZIP code.
Chevrolet insurance is usually less expensive than the national average, according to our data. But many factors, including the Chevrolet year, make, and model, your insurance company, and the coverage you choose, determine how expensive Chevrolet insurance is for you.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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