Estimates, not quotes

Lucid Air Insurance Cost in Colorado

Insuring a Lucid Air in Colorado costs about $3,035 a year ($253/month) for full coverage by our estimate — +7% versus the same car nationally — the 12th most expensive of 51 states for this model.

Lucid Air (photo from Wikimedia Commons)
Photo: Mr.choppers, CC BY-SA 3.0
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

Lucid Air insurance in Colorado at a glance

Full coverage
$3,035
$2,490–$3,580
25/50/15 minimum
$715
$60/mo
Same car nationally
$2,825
full coverage
Avg. car in CO
$1,820
+67% for the Air

The Lucid Air is 67% more expensive than the average vehicle to insure in Colorado, reflecting HLDI collision losses of 361 and comprehensive losses of 0 (100 = average). Colorado's own base rates are 13% higher than the national average, which carries through to every model.

Colorado factors that affect Air premiums

  • Uninsured drivers: 19.7% of Colorado drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Air.
  • Theft: 305 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Colorado's expected annual losses as relatively high for hail, relatively moderate for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.25 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Colorado →

Lucid Air insurance cost in Colorado cities

CityFull coverageMinimumvs. state
Denver$3,385$800+12%
Colorado Springs$3,195$755+5%
Aurora$3,370$795+11%
Fort Collins$3,130$740+3%
Lakewood$3,350$790+10%
Thornton$3,510$830+16%
Arvada$3,340$790+10%
Westminster$3,390$800+12%
Greeley$3,230$765+6%
Pueblo$3,035$7250%
Centennial$3,360$795+11%
Boulder$3,140$740+3%
Longmont$3,305$780+9%

Lucid Air insurance in Colorado by driver

Estimated annual Lucid Air premium in Colorado
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,970 $2,860 $8,345 $695
Young adult (22) $1,145 $1,665 $4,855 $405
Adult in their 30s $715 $1,040 $3,035 $253
Adult in their 50s $660 $955 $2,790 $233
Senior (72) $805 $1,165 $3,400 $283
30s, one at-fault accident $1,040 $1,505 $4,400 $367
30s, DUI on record $1,325 $1,925 $5,615 $468

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $715 $60 $590–$845
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,040 $87 $850–$1,225
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $3,035 $253 $2,490–$3,580

Colorado minimum: 25/50/15 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Colorado

ModelFull coverage in COvs. Air
BMW M3$4,635+53%
Audi S4$2,405−21%
Audi S5$2,105−31%
Lexus LS$2,535−16%

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Lucid Air insurance cost in every state · All Lucid models

Frequently asked questions

How much is Lucid Air insurance in Colorado?

About $3,035 a year ($253 a month) for full coverage and $715 for Colorado's minimum liability, for a driver in their 30s with a clean record. That is 7% more than the national estimate for the same car.

Is the Lucid Air cheaper to insure than the average car in Colorado?

The average vehicle in Colorado is about $1,820 a year for full coverage in our model, so the Lucid Air is 67% more expensive than average.

Where in Colorado is Lucid Air insurance cheapest?

Among the largest Colorado cities, Pueblo has the lowest estimate (about $3,035) and Thornton the highest (about $3,510).

What insurance do I need for a Lucid Air in Colorado?

Colorado requires at least 25/50/15 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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