Chevrolet Colorado Insurance Cost

Full coverage for a Chevrolet Colorado costs about $1,355 a year ($113/month) by our estimate — ▼ −15% versus the average vehicle, ranking 36th cheapest of 310 current models.

Chevrolet Colorado exterior (photo from Wikimedia Commons) — Photo: MercurySable99, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Chevrolet Colorado insurance cost at a glance

Full coverage

$1,355

$113/mo · $1,110–$1,600

Minimum liability

$590

$49/mo

Segment

Pickup truck

Gasoline, Diesel

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Chevrolet Colorado.

Estimated Chevrolet Colorado premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$590	$49	$485–$700
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$860	$72	$705–$1,015
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,355	$113	$1,110–$1,600

What drives the cost of insuring a Chevrolet Colorado

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Chevrolet Colorado's results put our vehicle factor at 0.96× for liability, 0.73× for collision and 0.75× for comprehensive.

HLDI relative insurance losses — Chevrolet Colorado crew cab 4WD (Small Pickups)
Coverage	Index	Rating	What it measures
Collision	69	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	70	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	98	Average	Damage this car does to other vehicles and property
Bodily injury liability	90	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	64	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	73	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Chevrolet Colorado crew cab 4WD	69	70	98	90
Chevrolet Colorado crew cab	71	61	112	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 162 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Chevrolet Colorado trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Colorado 2WD	RWD	2.7L 4-cyl Turbo	21
Colorado 4WD	4WD	2.7L 4-cyl Turbo	19
Colorado Mud Terrain Tires 4WD	4WD	2.7L 4-cyl Turbo	18
Colorado ZR2 4WD	4WD	2.7L 4-cyl Turbo	17
Colorado ZR2 Bison 4WD	4WD	2.7L 4-cyl Turbo	16

Chevrolet Colorado insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.7L 4-cyl Turbo	4WD, RWD	16–21	$1,355
2025	2.7L 4-cyl Turbo	4WD, RWD	16–20	$1,330
2024	2.7L 4-cyl Turbo	4WD, RWD	16–22	$1,305
2023	2.7L 4-cyl Turbo	4WD, RWD	16–22	$1,285
2022	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	17–23	$1,260
2021	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	17–23	$1,235
2020	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	17–23	$1,215
2019	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	17–23	$1,190
2018	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	17–25	$1,165
2017	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	17–25	$1,145
2016	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	20–25	$1,120
2015	2.5L 4-cyl, 3.6L 6-cyl	4WD, RWD	20–22	$1,120
2012	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD, RWD	16–21	$1,120
2011	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD, RWD	16–21	$1,120
2010	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD, RWD	16–21	$1,120
2009	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD/AWD, RWD	16–20	$1,120
2008	2.9L 4-cyl, 3.7L 5-cyl	4WD/AWD, RWD	17–20	$1,120
2007	2.9L 4-cyl, 3.7L 5-cyl	4WD/AWD, RWD	17–20	$1,120
2006	2.8L 4-cyl, 3.5L 5-cyl	4WD/AWD, RWD	17–21	$1,120
2005	2.8L 4-cyl, 3.5L 5-cyl	4WD/AWD, RWD	17–21	$1,120

Chevrolet Colorado insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,160	$460	−14%
Alaska	$1,175	$600	−13%
Arizona	$1,425	$635	+5%
Arkansas	$1,165	$435	−14%
California	$1,305	$550	−4%
Colorado	$1,530	$630	+13%
Connecticut	$1,455	$685	+7%
Delaware	$1,550	$775	+14%
District of Columbia	$1,690	$715	+25%
Florida	$2,000	$1,040	+48%
Georgia	$1,715	$840	+27%
Hawaii	$915	$420	−32%
Idaho	$915	$385	−32%
Illinois	$1,160	$480	−14%
Indiana	$950	$390	−30%
Iowa	$895	$300	−34%
Kansas	$1,060	$390	−22%
Kentucky	$1,145	$510	−15%
Louisiana	$1,885	$765	+39%
Maine	$850	$410	−37%
Maryland	$1,530	$725	+13%
Massachusetts	$1,325	$570	−2%
Michigan	$1,460	$740	+8%
Minnesota	$1,115	$455	−18%
Mississippi	$1,280	$510	−6%
Missouri	$1,215	$495	−10%
Montana	$1,055	$380	−22%
Nebraska	$1,060	$390	−22%
Nevada	$1,605	$835	+18%
New Hampshire	$950	$390	−30%
New Jersey	$1,670	$900	+23%
New Mexico	$1,205	$500	−11%
New York	$1,850	$895	+37%
North Carolina	$980	$430	−28%
North Dakota	$835	$265	−38%
Ohio	$955	$390	−30%
Oklahoma	$1,195	$455	−12%
Oregon	$1,240	$605	−8%
Pennsylvania	$1,160	$410	−14%
Rhode Island	$1,660	$790	+23%
South Carolina	$1,475	$705	+9%
South Dakota	$995	$305	−27%
Tennessee	$1,105	$435	−18%
Texas	$1,585	$665	+17%
Utah	$1,250	$630	−8%
Vermont	$850	$305	−37%
Virginia	$1,160	$605	−14%
Washington	$1,195	$570	−12%
West Virginia	$1,110	$420	−18%
Wisconsin	$910	$360	−33%
Wyoming	$1,015	$315	−25%

Chevrolet Colorado insurance by driver profile

Estimated annual Chevrolet Colorado premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,625	$2,360	$3,725	$310
Young adult (22)	$945	$1,375	$2,165	$180
Adult in their 30s	$590	$860	$1,355	$113
Adult in their 50s	$545	$790	$1,245	$104
Senior (72)	$665	$960	$1,515	$126
30s, one at-fault accident	$860	$1,245	$1,965	$164
30s, DUI on record	$1,095	$1,585	$2,505	$209

Chevrolet Colorado vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Chevrolet Colorado	$1,355	69	70	—
Toyota Tacoma	$1,375	87	86	—
Ford F-150	$1,580	92	84	—
Tesla Cybertruck	$1,600	—	—	—

Estimate Chevrolet Colorado insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

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Other Chevrolet models

Blazer EV $1,520/yr
Bolt EV $1,610/yr
Corvette $1,520/yr
Equinox $1,470/yr
Equinox EV $1,520/yr
Suburban $1,610/yr
Tahoe $1,450/yr
Traverse $1,050/yr
Blazer $1,510/yr
Silverado 1500 $1,725/yr
Silverado EV $1,600/yr
Trailblazer $1,475/yr
Trax $1,430/yr
Malibu $2,055/yr
Camaro $2,245/yr
Bolt EUV $1,395/yr
Spark $1,390/yr
Impala $1,375/yr
Sonic $1,305/yr
Cruze $1,310/yr
Volt $1,310/yr
City Express $1,280/yr
Express $1,250/yr
SS $1,300/yr
Captiva Sport $1,200/yr
Avalanche $1,240/yr
Aveo $1,220/yr
HHR $1,190/yr
Cobalt $1,245/yr
Malibu Classic $1,255/yr

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Frequently asked questions

How much is insurance for a Chevrolet Colorado?

We estimate about $1,355 a year ($113 a month) for full coverage and $590 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% less than the average vehicle.

Is the Chevrolet Colorado expensive to insure?

HLDI insurance-loss data rates it at 69 for collision and 70 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Chevrolet Colorado?

North Dakota has the lowest estimate (about $835 a year for full coverage) and Florida the highest (about $2,000).

What is the Chevrolet Colorado's NHTSA safety rating?

The 2026 Chevrolet Colorado earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Chevrolet Colorado cheaper to insure than the Toyota Tacoma?

By our estimate the Chevrolet Colorado costs about $1,355 a year versus $1,400 for the Toyota Tacoma, making it the cheaper of the two to insure.

How much is Chevrolet Colorado insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,725 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page