Buy Cheap Chevrolet Colorado Auto Insurance in 2024
Average Chevrolet Colorado insurance rates cost $1,222 a year, or around $102 a month. Finding Chevrolet Colorado teenager insurance rates can cost on average $4,466 a year, so shop around to find cheap coverage.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,222 a year or $102 each month
- A liability-only policy costs around $490 a year or $41 each month
- Highest rates are for teenage drivers at around $4,466 a year or $372 each month
- Good drivers can save as much as $504 a year by earning policy discounts
- Chevrolet Colorado insurance costs around $297 less per year than the average vehicle
Finding economical Chevrolet Colorado insurance rates is possible. Chevrolet Colorado insurance costs around $297 less per year than the average vehicle. Our guide goes over insurance rates for a Chevrolet Colorado so that you can maximize your savings.
You can start comparing quotes for Chevrolet Colorado car insurance rates from some of the best car insurance companies by using our free online tool now.
Chevrolet Colorado Insurance Cost
The average Chevrolet Colorado car insurance rates are $1,222 a year or $102 a month.
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Are Chevrolet Colorados Expensive to Insure?
The chart below details how Chevrolet Colorado insurance rates compare to other trucks like the Toyota Tacoma, Chevrolet Silverado 2500HD, and Dodge Ram.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Chevrolet Silverado 2500HD | $362 | $688 | $420 | $1,650 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| GMC Sierra 3500HD | $376 | $656 | $420 | $1,632 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.
What Impacts the Cost of Chevrolet Colorado Insurance?
The Chevrolet Colorado trim and model you choose can impact the total price you will pay for Chevrolet Colorado insurance coverage.
Age of the Vehicle
Older Chevrolet Colorado models generally cost less to insure. For example, auto insurance rates for a 2020 Chevrolet Colorado are $1,222, while 2010 Chevrolet Colorado rates are $1,038, a difference of $184.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| 2019 Chevrolet Colorado | $242 | $422 | $390 | $1,212 |
| 2018 Chevrolet Colorado | $232 | $418 | $398 | $1,206 |
| 2017 Chevrolet Colorado | $224 | $408 | $416 | $1,206 |
| 2016 Chevrolet Colorado | $216 | $390 | $430 | $1,194 |
| 2015 Chevrolet Colorado | $204 | $378 | $442 | $1,182 |
| 2012 Chevrolet Colorado | $180 | $296 | $460 | $1,094 |
| 2011 Chevrolet Colorado | $168 | $272 | $460 | $1,058 |
| 2010 Chevrolet Colorado | $162 | $254 | $464 | $1,038 |
Driver Age
Driver age can have a significant impact on Chevrolet Colorado auto insurance rates. For instance, a 30-year-old driver may pay $54 more each year for Chevrolet Colorado auto insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Chevrolet Colorado insurance rates. For example, drivers in Los Angeles may pay $672 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on the cost of Chevrolet Colorado car insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet Colorado car insurance rates with violations on their driving record.
Chevrolet Colorado Safety Ratings
Your Chevrolet Colorado car insurance rates are tied to the safety ratings of the Chevrolet Colorado. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Marginal |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Chevrolet Colorado Crash Test Ratings
If the Chevrolet Colorado crash test ratings are good, you could have lower Chevrolet Colorado car insurance rates. See Chevrolet Colorado crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Chevrolet Colorado PU/EC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Chevrolet Colorado PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Chevrolet Colorado PU/CC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Chevrolet Colorado PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Chevrolet Colorado PU/EC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Chevrolet Colorado PU/EC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Chevrolet Colorado PU/CC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Chevrolet Colorado PU/CC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Chevrolet Colorado PU/EC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Chevrolet Colorado PU/EC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Chevrolet Colorado PU/CC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Chevrolet Colorado PU/CC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Chevrolet Colorado PU/EC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Chevrolet Colorado PU/EC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Chevrolet Colorado PU/CC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Chevrolet Colorado PU/CC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Chevrolet Colorado PU/EC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Chevrolet Colorado PU/EC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Chevrolet Colorado PU/CC RWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Chevrolet Colorado PU/CC 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Chevrolet Colorado Safety Features
The more safety features you have on your Chevrolet Colorado, the more likely it is that you can earn a discount. The Chevrolet Colorado’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Electronic Stability Control
- Daytime Running Lights
- Traction Control
Chevrolet Colorado Insurance Loss Probability
Review the Chevrolet Colorado car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Chevrolet Colorado auto insurance costs; higher percentages mean higher Chevrolet Colorado auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | -27% |
|---|---|
| Property Damage | -43% |
| Comprehensive | -36% |
| Personal Injury | no data |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Chevrolet Colorado Finance and Insurance Cost
If you are financing a Chevrolet Colorado, most lenders will require your carry higher Chevrolet Colorado coverage options including comprehensive coverage, so be sure to shop around and compare Chevrolet Colorado car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Chevrolet Colorado Insurance
There are many ways that you can save on Chevrolet Colorado car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Chevrolet Colorado car insurance rates low.
- Choose a Chevrolet Colorado with Cheaper Repair Costs
- Ask About Chevrolet Colorado Low Mileage Discounts
- Choose Automatic Payments or EFT for Your Chevrolet Colorado Insurance Policy
- Use an Accurate Job Title When Requesting Chevrolet Colorado Auto Insurance
- Ask About Chevrolet Colorado Discounts If You Were Listed on Someone Else’s Policy
Top Chevrolet Colorado Insurance Companies
Who is the top car insurance company for Chevrolet Colorado insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chevrolet Colorado auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chevrolet Colorado offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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You can start comparing quotes for Chevrolet Colorado auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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Frequently Asked Questions
How can I buy cheap Chevrolet Colorado auto insurance?
To purchase affordable Chevrolet Colorado auto insurance, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Maintain a good driving record: A clean driving history often leads to lower insurance premiums.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium, but be sure you can afford the deductible amount in the event of a claim.
- Bundle your insurance policies: If you have multiple insurance needs, such as home or renter’s insurance, combining them with your auto insurance under the same provider may lead to discounted rates.
- Inquire about discounts: Ask your insurance company about available discounts, such as safe driver discounts, multi-vehicle discounts, or discounts for safety features installed in your Chevrolet Colorado.
What factors influence the cost of Chevrolet Colorado auto insurance?
Several factors can impact the cost of Chevrolet Colorado auto insurance, including:
- Driver’s age and driving record: Younger drivers or those with a history of accidents or traffic violations may face higher premiums.
- Location: The area where you live and park your Chevrolet Colorado can affect insurance rates. High-crime or densely populated areas may result in higher premiums.
- Vehicle specifications: The make, model, year, and trim level of your Chevrolet Colorado can influence insurance costs. Safety features, engine size, and repair costs are among the factors considered.
- Coverage levels: The amount and type of coverage you choose, such as liability, collision, and comprehensive coverage, will impact your insurance premium.
- Annual mileage: The more you drive, the higher the risk for potential accidents, which can affect insurance rates.
What are the recommended coverage options for Chevrolet Colorado auto insurance?
While the specific coverage needs may vary depending on individual circumstances, here are some recommended coverage options for Chevrolet Colorado auto insurance:
- Liability coverage: This coverage is typically required by law and helps cover costs if you’re at fault in an accident that causes injury or property damage to others.
- Collision coverage: This coverage helps pay for repairs to your Chevrolet Colorado if it’s damaged in a collision, regardless of fault.
- Comprehensive coverage: This coverage helps protect against non-collision-related incidents, such as theft, vandalism, or damage caused by natural disasters.
- Uninsured/underinsured motorist coverage: This coverage helps cover expenses if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Medical payments coverage: This coverage assists in paying for medical expenses for you and your passengers, regardless of fault.
Is it necessary to purchase additional coverage for my Chevrolet Colorado?
While the minimum insurance requirements vary by state, it’s often advisable to consider additional coverage options beyond the legally mandated minimum. Additional coverage can provide greater protection in case of accidents, damage, or theft. Discuss your specific needs with an insurance agent to determine the ideal coverage for your Chevrolet Colorado.
Can I get insurance coverage for modifications or aftermarket additions to my Chevrolet Colorado?
Yes, you can typically obtain insurance coverage for modifications or aftermarket additions to your Chevrolet Colorado. However, it’s important to inform your insurance provider about any modifications you’ve made to your vehicle. Some modifications may affect your premium or require additional coverage. Examples of modifications include lift kits, custom paint jobs, enhanced audio systems, or performance modifications. Providing this information ensures that you have the appropriate coverage in case of a claim.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.