Summary: Crossovers, compact SUVs, and budget-friendly sedans consistently rank among the cheapest vehicles to insure in Colorado. Their strong safety ratings, lower theft risk, and affordable repair costs keep premiums down. Pairing these vehicle types with smart insurance strategies and Freedom Insurance Group comparisons helps drivers save even more. Estimated Read Time: 3 mins

Table of Contents:

  1. The 10 Cheapest Cars to Insure in Colorado (2025)
  2. Why Some Cars Are Cheaper to Insure in Colorado
  3. Save on the Cheapest Cars to Insure in Colorado

Finding the cheapest car to insure in Colorado is easy with our guide. These vehicles help you save money but also come loaded with attractive features, such as better safety ratings, lower theft risks, and affordable repair costs. We’re breaking down some of the best vehicles, helping you save money on premiums and stay safe in the Centennial State.

The 10 Cheapest Cars to Insure in Colorado (2025)

Here are the top vehicles that consistently deliver lower premiums for drivers with car insurance in Colorado:

RankMakeModelSuggested Model YearWhy It’s Cheaper
1.MazdaCX-52023–2025Excellent safety features, low theft rates, consistently ranked #1 for affordable full coverage
2.HondaCR-V2022–2025Dependable, strong crash-test results, low accident claim rates
3.SubaruForester2023-2025IIHS Top Safety Pick, lower insurance claims compared to peers
4.SubaruOutlook2023-2025High safety scores, standard AWD, durable build
5.HyundaiKona2025Low entry price and inexpensive repair costs
6.ToyotaCorolla2023-2025Reliable, budget-friendly sedan with cheap maintenance
7.SubaruCrosstrek2023-2025Similar low-risk profile as Forester/Outback
8.ToyotaRAV42022-2025Popular, safe, and affordable parts availability
9.FordEscape2022-2025Good safety ratings, easy-to-repair crossover
10.KiaNiro2025Hybrid with a strong safety record and efficiency

The bottom line? Crossovers and compact SUVs dominate the list. They’re safe, reliable, and not overly expensive to fix, which makes them favorites among insurance companies.

Why Some Cars Are Cheaper to Insure in Colorado

Not every car is treated the same by insurers. Premiums are based on risk, and some vehicles consistently cost less to cover:

  • High Safety Ratings – Cars with advanced crash-prevention systems mean fewer severe accidents.
  • Affordable Repair Costs – Popular models with widely available parts cost less to fix,
  • Lower Theft Risk – Vehicles less likely to be stolen mean fewer claims.
  • Non-Performance Focus – Family-oriented cars and crossovers encourage safer driving profiles.
  • Colorado-Specific Risks – Hailstorms, snow, and theft trends make durability and glass claims a big deal here.

Additional Factors Impacting Auto Rates

Even if you drive one of the cheapest cars to insure, other factors play a big role in your premium:

  • Driving Record – Accidents, tickets, and DUIs all raise your costs.
  • ZIP Code – Urban Denver premiums are higher than in rural counties.
  • Coverage Level – Full coverage costs more but provides better protection.
  • Deductible Choice – Higher deductibles lower monthly costs, but you’ll pay more out of pocket.
  • Credit Score – Colorado insurers are allowed to factor in credit when pricing policies.

Colorado Specific Factors

  • Higher Premiums Across the Board – Colorado drivers pay about 16–25% more than the national average for coverage, with full coverage averaging $2,150 vs. $1,730 nationwide.
  • Category Impacts – Teen drivers face premiums around $6,300 (22% higher), while drivers with accidents or poor credit can see costs spike 22–25% above U.S. averages.
  • Colorado-Specific Risks – Frequent hailstorms, high auto theft in cities like Denver, dangerous mountain driving featuring steep grades, and extreme weather swings all fuel more claims and higher rates.

Save on the Cheapest Cars to Insure in Colorado

Driving one of the cheapest cars to insure in Colorado can help lower your premiums in 2025, but it’s going to take more than just buying a Honda CR-V to keep those rates low.

Remember, your car is just one factor. Rates still vary depending on your driving history, age, and ZIP code. Pairing a low-risk vehicle with smart savings strategies can cut your costs even further:

  • Bundle Policies – Combine auto with home insurance, renters coverage, or a condo policy for discounts.
  • Use Telematics Programs – Tools like Progressive Snapshot, Safeco RightTrack, or Travelers IntelliDrive reward safe driving with lower rates.
  • Take Mature Driver Courses – Seniors can qualify for significant discounts after completing approved courses. Defensive driving courses may also be available to lower your rates if you’re under 65 years of age.
  • Review Your Policy Yearly – Adjust coverage as your car ages; dropping collision on older vehicles saves money.
  • Shop Around – Rates vary widely by carrier, so comparing quotes ensures you don’t overpay.

The smartest move is combining a low-cost-to-insure car with a tailored policy. Freedom Insurance Group compares quotes from 25+ top-rated carriers, helping Colorado drivers lock in the best price without losing coverage. Get your free auto insurance quote and start saving today.

Sources:

Tange Law Firm. Accessed October 2025.

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