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Tesla insurance in Colorado

4 priced rows for Colorado from 3 public sources. Ranges, not quotes: rows differ by source, model year, coverage and driver profile.

Annual premium range by model

Annual premium range by model in Colorado
Model	Lowest to highest annual premium	Priced rows	Sources
Model 3	$1,536 (American National) to $2,880 (state average)	2	moneygeek.com nerdwallet.com
Model Y	$1,416 (American National) to $3,336 (state average)	2	moneygeek.com nerdwallet.com

Tesla Insurance and FSD

Tesla lists Colorado as a state where Tesla Insurance is offered (tesla.com). 3 rows in this state mention an FSD related insurance benefit; see FSD discounts.

Insurers named in these rows

American National

Every priced row

Every priced insurance row for Colorado
Insurer	Model	Model year	Coverage	Premium as published	Annual equivalent	Date reported	Source	Confidence
American National	Model 3	2025	full, high limits	$128 per month	$1,536	2025-10	nerdwallet.com	high
state average	Model 3	not stated	not stated	$240 per month	$2,880	2026-05	moneygeek.com	high
American National	Model Y	2025	full, high limits	$118 per month	$1,416	2025-10	nerdwallet.com	high
state average	Model Y	not stated	not stated	$278 per month	$3,336	2026-10	moneygeek.com	high

Sources

lemonade.com: 2 rows
nerdwallet.com: 2 rows
tesla.com: 1 row
moneygeek.com: 1 row
moneygeek.com: 1 row
tesla.com: 1 row

Annual equivalent is computed as monthly premium x12, 6 month premium x2, yearly premium x1. See the methodology for confidence labels. Other states: