Chevrolet Colorado LT 2WD Insurance Rates

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Average insurance rates for a Chevrolet Colorado LT 2WD are $1,198 a year for full coverage insurance. Comprehensive insurance costs an estimated $230, collision insurance costs $446, and liability costs $364. Just liability insurance costs as little as $430 a year, and coverage for high-risk drivers costs $2,588 or more. Teenage drivers receive the highest rates at up to $4,552 a year.

Annual premium for full coverage: $1,198

Rate estimates broken down by type of insurance:

Comprehensive $230
Collision $446
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Chevrolet Colorado Trim Level

For the normal driver, prices range from as low as $430 for basic liability insurance to a much higher rate of $2,588 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,198
High Risk $2,588

These differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Chevrolet Colorado LT 2WD can also vary considerably based on your driver profile, the model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Colorado LT 2WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $450 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

View Chart as Image

Chevrolet Colorado LT 2WD insurance cost comparison chart
Column chart showing Chevrolet Colorado LT 2WD insurance prices range from $697 to $4,552 for full coverage

The chart estimates Chevrolet Colorado LT 2WD insurance rates for various risk profiles and scenarios. The cheapest discount rate is $697. Drivers who use higher $1,000 deductibles will pay around $1,044. The average rate for a driver around age 40 using $500 deductibles is $1,198. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,494. Drivers with multiple violations and accidents could be charged as much as $2,588. The price for full coverage for a teenage driver is $4,552.

Chevrolet Colorado LT 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,082 -$116 -9.7%
Alaska $918 -$280 -23.4%
Arizona $994 -$204 -17.0%
Arkansas $1,198 -$0 0.0%
California $1,364 $166 13.9%
Colorado $1,142 -$56 -4.7%
Connecticut $1,232 $34 2.8%
Delaware $1,356 $158 13.2%
Florida $1,496 $298 24.9%
Georgia $1,106 -$92 -7.7%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $900 -$298 -24.9%
Iowa $806 -$392 -32.7%
Kansas $1,138 -$60 -5.0%
Kentucky $1,632 $434 36.2%
Louisiana $1,770 $572 47.7%
Maine $738 -$460 -38.4%
Maryland $988 -$210 -17.5%
Massachusetts $958 -$240 -20.0%
Michigan $2,078 $880 73.5%
Minnesota $1,000 -$198 -16.5%
Mississippi $1,434 $236 19.7%
Missouri $1,062 -$136 -11.4%
Montana $1,284 $86 7.2%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $862 -$336 -28.0%
New Jersey $1,338 $140 11.7%
New Mexico $1,060 -$138 -11.5%
New York $1,260 $62 5.2%
North Carolina $690 -$508 -42.4%
North Dakota $980 -$218 -18.2%
Ohio $826 -$372 -31.1%
Oklahoma $1,230 $32 2.7%
Oregon $1,096 -$102 -8.5%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,596 $398 33.2%
South Carolina $1,086 -$112 -9.3%
South Dakota $1,010 -$188 -15.7%
Tennessee $1,048 -$150 -12.5%
Texas $1,442 $244 20.4%
Utah $888 -$310 -25.9%
Vermont $818 -$380 -31.7%
Virginia $716 -$482 -40.2%
Washington $924 -$274 -22.9%
West Virginia $1,096 -$102 -8.5%
Wisconsin $828 -$370 -30.9%
Wyoming $1,066 -$132 -11.0%

View Chart as Image

Chevrolet Colorado LT 2WD insurance rates by U.S. city

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Rates by Driver Age

Chevrolet Colorado LT 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,552
20 $2,780
30 $1,242
40 $1,198
50 $1,094
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Colorado LT 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,494
$250 $1,356
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Colorado LT 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,271
100/300 $1,362
250/500 $1,598
100 CSL $1,307
300 CSL $1,507
500 CSL $1,653

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Colorado LT 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,472
20 $4,416
30 $2,640
40 $2,588
50 $2,474
60 $2,452

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $87
5-yr Claim Free $76
Paid in Full/EFT $54
Advance Quote $58
Online Quote $83
Total Discounts $501
Rate after discounts $697

Discounts are estimated and may not be available from every company or in every state.

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