Colorado vs Nevada Car Insurance

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

Quick Verdict

More Affordable

Nevada is $30/yr cheaper on average.

Fewer Uninsured

Nevada has a lower uninsured rate (10.4% vs 11.2%).

Rate & Coverage Comparison

Attribute	Colorado	Nevada
Avg Annual Premium	$2,100	$2,070
Min Liability	$690	$680
Full Coverage	$2,100	$2,070
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	10.4%
Registered Vehicles	4,734,680	2,546,100
Accidents/Year	71,020	38,191
Population	5,774,000	3,105,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

Nevada

25/50 / 20 liability

Premium Comparison

Colorado$690 – $2,100

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

Nevada$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

ColoradoFull rates, age breakdown, requirements →NevadaFull 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 Nevada?

Nevada has cheaper car insurance, with an average annual premium of $2,070 compared to $2,100 in Colorado - a difference of $30 per year.

How do Colorado and Nevada compare on fault systems?

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

What are the minimum insurance requirements in Colorado vs Nevada?

Colorado requires 25/50 / 15 liability. Nevada requires 25/50 / 20 liability. Minimum liability costs $690/yr in Colorado and $680/yr in Nevada.

Which state has more uninsured drivers, Colorado or Nevada?

Colorado has a higher uninsured driver rate at 11.2%, compared to 10.4% in Nevada. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado vs Nevada 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

Nevada

Avg Annual Premium

$2,100

$2,070

Min Liability

$690

$680

Full Coverage

$2,100

$2,070

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

10.4%

Registered Vehicles

4,734,680

2,546,100

Accidents/Year

71,020

38,191

Population

5,774,000

3,105,000