Colorado vs Washington Car Insurance

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

Quick Verdict

More Affordable

Washington is $480/yr cheaper on average.

Fewer Uninsured

Colorado has a lower uninsured rate (11.2% vs 15.6%).

Rate & Coverage Comparison

Attribute	Colorado	Washington
Avg Annual Premium	$2,100	$1,620
Min Liability	$690	$530
Full Coverage	$2,100	$1,620
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	15.6%
Registered Vehicles	4,734,680	6,244,300
Accidents/Year	71,020	93,664
Population	5,774,000	7,615,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

Washington

25/50 / 10 liability

Premium Comparison

Colorado$690 – $2,100

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

Washington$530 – $1,620

Liability: $530Avg: $1,620Full: $1,620

ColoradoFull rates, age breakdown, requirements →WashingtonFull 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 Washington?

Washington has cheaper car insurance, with an average annual premium of $1,620 compared to $2,100 in Colorado - a difference of $480 per year.

How do Colorado and Washington compare on fault systems?

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

What are the minimum insurance requirements in Colorado vs Washington?

Colorado requires 25/50 / 15 liability. Washington requires 25/50 / 10 liability. Minimum liability costs $690/yr in Colorado and $530/yr in Washington.

Which state has more uninsured drivers, Colorado or Washington?

Washington has a higher uninsured driver rate at 15.6%, compared to 11.2% in Colorado. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado vs Washington 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

Washington

Avg Annual Premium

$2,100

$1,620

Min Liability

$690

$530

Full Coverage

$2,100

$1,620

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

15.6%

Registered Vehicles

4,734,680

6,244,300

Accidents/Year

71,020

93,664

Population

5,774,000

7,615,000