Car Insurance for Age 46-55 in Colorado

Average auto insurance rates for 46-55 year old drivers in Colorado (CO), including male vs female rate comparison.

Avg Annual Rate

$1,995

$355 above national avg

Male Rate

$2,037/yr

Female Rate

$1,953/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 46-55 in Colorado

Gender	Annual	Monthly	vs Average
Male	$2,037	$170	+$42
Female	$1,953	$163	$-42
Average	$1,995	$166	—

Male drivers aged 46-55 pay $84 more per year in Colorado.

All Age Groups in Colorado

Age Group	Average	Male	Female
16-19	$5,670	$6,405	$4,935
20-25	$3,780	$4,200	$3,360
26-35	$2,310	$2,415	$2,205
36-45	$2,100	$2,142	$2,058
46-55 ←	$1,995	$2,037	$1,953
56-65	$1,932	$1,974	$1,890
65+	$2,205	$2,268	$2,142

Most & Least Expensive States for Age 46-55

Most Expensive

#1	Michigan	$2,565
#2	Louisiana	$2,470
#3	Florida	$2,375
#4	New York	$2,204
#5	Kentucky	$2,090
#6	Colorado	$1,995
#7	Georgia	$1,995
#8	California	$1,966
#9	Nevada	$1,966
#10	Oklahoma	$1,928

Least Expensive

#51	Maine	$855
#50	Vermont	$950
#49	New Hampshire	$998
#48	Idaho	$1,045
#47	Hawaii	$1,206
#46	Wisconsin	$1,216
#45	Ohio	$1,226
#44	North Carolina	$1,282
#43	Iowa	$1,282
#42	North Dakota	$1,292

Colorado Insurance Overview

State Avg Premium

$2,100/yr

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

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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

How much does car insurance cost for age 46-55 in Colorado?

The average annual car insurance premium for 46-55 year olds in Colorado is $1,995 (about $166/month). This is $355 above the national average of $1,640 for this age group.

Do males or females pay more for car insurance at age 46-55 in Colorado?

In Colorado, male drivers aged 46-55 pay more — $2,037/yr for males vs $1,953/yr for females, a difference of $84 per year.

How does Colorado rank for age 46-55 insurance costs?

Colorado ranks #6 out of 51 states for car insurance costs for 46-55 year olds (most expensive first). The cheapest state for this age group is Maine at $855/yr, while Michigan is the most expensive at $2,565/yr.

Why is car insurance more expensive for age 46-55 in Colorado?

Insurance rates for 46-55 year olds in Colorado are influenced by the state's at-fault (tort) system, local accident rates (71,020/yr), uninsured driver rate (11.2%), and population density. Colorado has 4,734,680 registered vehicles.

How can 46-55 year olds save on car insurance in Colorado?

46-55 year olds in Colorado can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 46-55 Rates in Other States

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