Arizona vs Colorado Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Arizona is $230/yr cheaper on average.

Fewer Uninsured

Colorado has a lower uninsured rate (11.2% vs 11.8%).

Rate & Coverage Comparison

Attribute	Arizona	Colorado
Avg Annual Premium	$1,870	$2,100
Min Liability	$620	$690
Full Coverage	$1,870	$2,100
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.8%	11.2%
Registered Vehicles	5,968,780	4,734,680
Accidents/Year	89,531	71,020
Population	7,279,000	5,774,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Colorado

25/50 / 15 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Colorado$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

ArizonaFull rates, age breakdown, requirements →ColoradoFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Colorado?

Arizona has cheaper car insurance, with an average annual premium of $1,870 compared to $2,100 in Colorado - a difference of $230 per year.

How do Arizona and Colorado compare on fault systems?

Arizona uses a at-fault (tort) system while Colorado uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arizona vs Colorado?

Arizona requires 25/50 / 15 liability. Colorado requires 25/50 / 15 liability. Minimum liability costs $620/yr in Arizona and $690/yr in Colorado.

Which state has more uninsured drivers, Arizona or Colorado?

Arizona has a higher uninsured driver rate at 11.8%, compared to 11.2% in Colorado. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Colorado insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Colorado

Avg Annual Premium

$1,870

$2,100

Min Liability

$620

$690

Full Coverage

$1,870

$2,100

Fault System

At-Fault (Tort)

Uninsured Rate

11.8%

11.2%

Registered Vehicles

5,968,780

4,734,680

Accidents/Year

89,531

71,020

Population

7,279,000

5,774,000