State profile · CO · CMS + NAIC
Colorado drivers average $1453/yr for auto insurance, ranked #11 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Colorado runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1453 a year for auto cover, above the $1191 national average (the 11th-most-expensive of 51 states), up 24% since 2019.
2019: $1175 average expenditure
$1,175 avg expenditure
2020: $1172 average expenditure
$1,172 avg expenditure
2021: $1189 average expenditure
$1,189 avg expenditure
2022: $1275 average expenditure
$1,275 avg expenditure
2023: $1453 average expenditure
$1,453 avg expenditure
What this shows Colorado drivers' average auto cost rose 24% between 2019 and 2023.
Year over year, Colorado's average auto expenditure rose 14.0% from 2022 to 2023, part of a 24% increase (+$278) since 2019. See the full 5-year state-by-state comparison.
Colorado auto rates in detail →Colorado: $1453/yr average auto expenditure (this state)
$1,453 avg expenditure
Delaware: $1462/yr average auto expenditure
$1,462 avg expenditure
Nevada: $1461/yr average auto expenditure
$1,461 avg expenditure
Michigan: $1443/yr average auto expenditure
$1,443 avg expenditure
Texas: $1429/yr average auto expenditure
$1,429 avg expenditure
No issuer-level claim-denial data is reported for Colorado in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Colorado's 2023 average auto expenditure was $1453, 11th of 51 jurisdictions by cost and 22.0% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Colorado uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Colorado's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Colorado's closest peers in PlainInsurer's dataset are Nevada ($1461/yr) and Delaware ($1462/yr) -- both within a few dollars of Colorado's own $1453/yr.
Border comparison. Colorado borders Arizona, Kansas, Nebraska, New Mexico, Oklahoma, Utah, and Wyoming. Colorado's auto costs run higher than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Colorado operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Colorado Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.