Chevrolet Colorado Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Chevrolet Colorado as the average truck.

• Full coverage for a Colorado normally runs around $148 per month, while liability only auto insurance rates average about $73.

• ACG is the most affordable car insurance carrier for a Colorado.

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Colorado Overview

With base prices starting at just $27,700 for new 2021 models, the Chevrolet Colorado is a great budget-friendly car for drivers of all types. You'll have your choice of four different trim levels, so you'll be sure to find an option to fit your style.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Chevrolet Colorado insurance premiums run around $144 monthly, on average. But how does that compare to other similar trucks on the market?

How Much is Car Insurance for a Chevrolet Colorado?

In the table above, you'll find that compared to other vehicles, Chevrolet Colorado insurance prices are below average. Colorado drivers usually pay about $148 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $73 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Compared to other models, the Colorado is more affordable, with rates around 10% lower than Chevrolet's other vehicle offerings. But compared to other vehicles of a similar body style, Colorado coverage is more expensive than average, with full coverage insurance premiums averaging exactly the same rates, but liability insurance rates coming in at $3 more than other trucks.

Compared to all vehicles, regardless of make, body style, or model, liability only premiums are cheaper than average, but run about the same for full coverage policies.

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Who has the Cheapest Car Insurance for a Chevrolet Colorado?

Are you looking for a car insurance policy for your Chevrolet Colorado? You're probably wondering which company offers the cheapest rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $35 per month from AnswerFinancial. The next lowest carrier is NationalGeneral, who offers car insurance as little as just $39 per month.

Shelter Mutual, American Family, and MetLife round out the end of the top 5 list. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, insurance companies look at a wide array of things when calculating premiums, so your results might be different. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a multitude of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Chevrolet Colorado?

There are lots of factors that car insurance companies reference to decide how much to charge you for insurance -- and every company weighs certain attributes more than others, so there's not one single carrier that's the most affordable for each driver.

The sections below show a bunch of variables auto insurance carriers use to calculate rates:

Vehicle Age

The Chevrolet Colorado has been around for a while -- that means vehicle age can play a role in what you end up paying for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Colorados begin to depreciate, insurance costs will gradually decrease.

Based on the above table, the Chevrolet Colorado is inline with this trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are Colorados that are 4 to 5 years old, on average.

Your Age

Your age is another variable that makes a big difference in how much you pay for auto insurance. In the table above, you'll see that those who have more experience pay less for car insurance than the youngest Colorado drivers. Chevrolet Colorado drivers under 18 actually pay over three times as much as those 25 or older.

Insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Colorado.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to charge women less than men. The Chevrolet Colorado is no different, and women pay around 3% less than men a month for insurance.

Where You Live

It may seem like common sense that things such as what vehicle you drive and how old you are play a role in your auto insurance prices, but did you know that where you live matters just as much? Because car insurance is regulated on the state level rather than nationally, rates differ quite a bit depending on what state you live in.

For example, the average Chevrolet Colorado owner from New York pays about $119 monthly for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

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Chevrolet Colorado Car Insurance Discounts

Regardless of your age, your home state, or your car, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same insurance company

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the variables you can use in your favor in order to save money on insurance:

Your Driving Record

You've almost certainly seen ads from car insurance carriers offering hefty discounts for good drivers. It checks out that your auto insurance rates will go up if you get into a collision or get a ticket for speeding. But you're probably wondering exactly how much these infractions can cost you.

If you look at the table above, you'll see that accidents will usually cost Colorado drivers less than tickets, but both will result in higher than average rates. Chevrolet Colorado drivers with one accident on their record pay about $91 a month (up $18 from the $73/mo. overall average), while drivers with a single ticket will pay an average of $92 per month. The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

Another factor you have control over is the amount of miles you drive. Those who drive less are less likely to get speeding tickets, so they'll generally get lower prices. In the above table, you can see that Chevrolet Colorado owners who drive fewer than 2,500 miles every year pay about $64 monthly for insurance, while those who put 10,000 miles or more on their cars pay $70.

But if you work from home or drive less often than the average driver, you might consider getting a usage-based or pay-per-mile car insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Chevrolet Colorados Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Chevrolet Colorado is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Visit the table below to see how the Chevrolet Colorado compares:

As you can see, a Chevrolet Colorado is a great value when it comes to overall price tag. While the average vehicle price in the U.S. is $46,179, the Colorado goes for just $27,700.

In the same fashion, insurance premiums run slightly below average when compared to other vehicles on the market. Full coverage insurance for a Chevrolet Colorado is around $7 a month cheaper than average, while liability only coverage is $12 cheaper per month.

When it comes to usage, Chevrolet Colorado owners drive about the same amount annually as the national average, with 11,718 miles each year compared to 11,660 for all vehicles.

Chevrolet Colorado Car Insurance Costs by Model Year

You've seen how different factors can affect a driver's car insurance prices. But if you're in the market for a new car, truck, or SUV and the Colorado is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

For this reason, we've done the heavy lifting and analyzed Chevrolet Colorado auto insurance premiums by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, such as who offers the lowest policies, the base MSRP, and which trim levels are offered for each Colorado model year.

Choose Your Model

2021 Chevrolet Colorado Car Insurance 2020 Chevrolet Colorado Car Insurance 2019 Chevrolet Colorado Car Insurance 2018 Chevrolet Colorado Car Insurance 2017 Chevrolet Colorado Car Insurance 2016 Chevrolet Colorado Car Insurance 2015 Chevrolet Colorado Car Insurance 2012 Chevrolet Colorado Car Insurance 2011 Chevrolet Colorado Car Insurance 2010 Chevrolet Colorado Car Insurance

2021 Chevrolet Colorado Car Insurance

If you're looking for a brand new Chevrolet Colorado, you've got options. A 2021 Chevrolet Colorado starts at about $27,700 for the base model, with four different trim levels to pick from.

When it comes to car insurance, it costs around $162 a month, on average, to buy full coverage insurance for a 2021 Chevrolet Colorado and $69 per month for a liability only policy. And if you want the cheapest insurance possible, Safeco offers liability only policies for as little as $21 a month.

Even though it helps to know the average price drivers pay to insure a 2021 Colorado, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can compare quotes from lots of companies at once, all for free. To get started, just enter your ZIP code below.

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2020 Chevrolet Colorado Car Insurance

If you're in the market for a 2020 Colorado or already own one, you're most likely looking at an average auto insurance premium of about $73 for liability or $169 for full coverage.

And if you're just looking for the lowest insurance for your Colorado, Amica offers liability only policies for sometimes as little as $36 monthly.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2019 Chevrolet Colorado Car Insurance

2019 Colorado drivers can expect to pay an average of $87 per month for liability or $160 for full coverage.

Looking for the cheapest policy? Amica offered liability only coverage for as low as just $25 monthly.

Interested in just how much you'll pay? Enter your ZIP code below to get a variety of free personalized quotes.

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2018 Chevrolet Colorado Car Insurance

The average cost to insure a 2018 Chevrolet Colorado with liability only coverage is $72 a month, while full coverage runs around $147 per month.

Dairyland offered the most affordable policy we found, with rates as cheap as $28 monthly.

If you want to find the best rates for car insurance for a 2018 Chevrolet Colorado, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2017 Chevrolet Colorado Car Insurance

You can expect full coverage for a 2017 Colorado to run about $150 a month, while liability only coverage will average around $84 monthly.

With premiums as low as $24 a month, Clearcover offered the lowest policy we found.

What could your insurance price look like? Get several personalized quotes for free by just entering your ZIP code below.

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2016 Chevrolet Colorado Car Insurance

It costs about $79 per month for liability or $156 for a full coverage policy for the 2016 Chevrolet Colorado.

MetLife has rates as cheap as just $18 monthly for the 2016 Chevrolet Colorado.

While these are good estimates of what the average driver might pay to insure a 2016 Chevrolet Colorado, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Chevrolet Colorado Car Insurance

On average, drivers who own a 2015 Colorado can expect to pay $69 to $139 a month for liability only and full coverage auto insurance, respectively.

We found MetLife offered the most affordable policy, with rates sometimes as cheap as $19 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2012 Chevrolet Colorado Car Insurance

The average cost to insure a 2012 Chevrolet Colorado with liability only coverage is $71 a month, while full coverage runs around $134 per month.

If you're looking for the lowest possible 2012 Chevrolet Colorado insurance policy, ACG offered the cheapest policy we found, with rates sometimes as low as $19 monthly.

Want something more accurate than nationwide averages? Get multiple free personalized quotes by just entering your ZIP code below.

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2011 Chevrolet Colorado Car Insurance

You can expect full coverage for a 2011 Colorado to run about $125 a month, while liability only coverage will average around $82 monthly.

With premiums as little as just $21 per month, MetLife offered the lowest policy we found for the 2011 Chevrolet Colorado.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 Chevrolet Colorado Car Insurance

2010 Chevrolet Colorado drivers can expect to pay an average of $65 a month for liability or $138 for full coverage.

Gainsco has prices as little as $18 monthly for the 2010 Chevrolet Colorado.

These average rates are a great starting point if you're in the market for a 2010 Chevrolet Colorado, but there are a multitude of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Chevrolet Colorado Insurance FAQs

Is a Chevrolet Colorado expensive to insure?

Liability insurance runs an average of $73 per month, while full coverage will cost you around $148. It costs about the same to insure a Chevrolet Colorado as insuring the average vehicle. truck.

How can I get the best price on car insurance for my Chevrolet Colorado?

The only way to confirm you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from numerous carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a variety of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Chevrolet Colorado affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually not true. There are many variables insurance carriers look at when they offer rates, but your Colorado's color is not used to make that determination.

Do I need to have insurance before I buy a Chevrolet Colorado?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid auto insurance for it. As part of the buying process, some dealerships might offer you an auto insurance policy, but your best bet is letting your insurance carrier know ahead of time.

What car insurance discounts can I get for my Chevrolet Colorado?

You will find a variety of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your Chevrolet Colorado and more on you, but if your Colorado has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance company and ask about which discounts they offer, since they change quite a bit from company to company.