Colorado vs Delaware Car Insurance

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

Quick Verdict

More Affordable

Delaware is $180/yr cheaper on average.

Fewer Uninsured

Colorado has a lower uninsured rate (11.2% vs 11.4%).

Rate & Coverage Comparison

Attribute	Colorado	Delaware
Avg Annual Premium	$2,100	$1,920
Min Liability	$690	$630
Full Coverage	$2,100	$1,920
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	11.4%
Registered Vehicles	4,734,680	811,800
Accidents/Year	71,020	12,177
Population	5,774,000	990,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

Delaware

25/50 / 10 liability

Premium Comparison

Colorado$690 – $2,100

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

Delaware$630 – $1,920

Liability: $630Avg: $1,920Full: $1,920

ColoradoFull rates, age breakdown, requirements →DelawareFull 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, Colorado or Delaware?

Delaware has cheaper car insurance, with an average annual premium of $1,920 compared to $2,100 in Colorado - a difference of $180 per year.

How do Colorado and Delaware compare on fault systems?

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

What are the minimum insurance requirements in Colorado vs Delaware?

Colorado requires 25/50 / 15 liability. Delaware requires 25/50 / 10 liability. Minimum liability costs $690/yr in Colorado and $630/yr in Delaware.

Which state has more uninsured drivers, Colorado or Delaware?

Delaware has a higher uninsured driver rate at 11.4%, compared to 11.2% in Colorado. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado vs Delaware 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

Colorado

Delaware

Avg Annual Premium

$2,100

$1,920

Min Liability

$690

$630

Full Coverage

$2,100

$1,920

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

11.4%

Registered Vehicles

4,734,680

811,800

Accidents/Year

71,020

12,177

Population

5,774,000

990,000