How much is auto insurance for a Chevrolet Colorado?
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UPDATED: Jun 24, 2019
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The rates you pay to insure your Chevrolet Colorado will depend on your driving history, as well as demographic factors like your age, gender, and marital status.
Your credit score and the region in which you live can also influence the cost of insuring your Chevrolet Colorado.
You can lower your car insurance rates by only purchasing liability insurance, but this means that if your truck is damaged in an accident or stolen, your insurance will not pay the cost of repairing or replacing it.
Comprehensive insurance can be expensive but it will also protect your investment.
This can be particularly important if you finance your purchase, because if your vehicle is totaled soon after you purchase it, you could end up owing money for a pickup truck that you can no longer drive.
Read this article to learn how the Chevrolet Colorado compares to other compact pickup trucks.
Chevrolet Colorado Rankings
U.S. News and World Report ranks the Chevrolet Colorado 6th out of the seven compact pickup trucks on the market. The Colorado beats out the Ford Ranger but takes a back seat to rivals like the Nissan Frontier (#1), the Toyota Tacoma (#2), and the Suzuki Equator (#3).
The Colorado boasts a competitive starting MSRP of $17,145, and its fuel efficiency of 18 city mpg and 25 highway mpg places it in the same range as competitors like the GMC Canyon.
Only the Ford Ranger is a significantly better buy when it comes to fuel economy, with ratings of 22 mpg in the city and 27 mpg on the highway.
However, reviewers complain that the Chevrolet Colorado does not stand out from the pack in any substantial way. U.S. News reports that the Colorado is likely to be discontinued in 2012.
Chevrolet Colorado Trims
Chevrolet Colorado drivers can select a regular, extended, or crew cab, and they can also choose between 2-wheel and 4-wheel drivetrains. The regular cab model comes with either the WT or the Z85 trim package.
The WT is the base trim, and it includes a standard 5-speed transmission, an AM/FM stereo, an in-dash driver information center, and halogen fog lights. The Z85 trim incorporates these basic features, plus a CD and MP3 player.
Drivers can outfit the extended cab Chevrolet Colorado with either the WT or the Z85 trim package, or they can upgrade to the Z71 or Sport package.
The main difference between these two packages and the less expensive trim levels is the engine size: the Z71 comes with a 3.7 liter I-5 engine, and the Sport package features a 5.3 liter V8 engine. The WT and Z85 models are both equipped with 2.9 liter I-4 engines.
The Z71 and Sport packages also come with added amenities like power locks and windows, remote keyless entry, and an auto-dimming rearview mirror. The Chevrolet Colorado crew cab model can be paired with any trim except for the WT.
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Chevrolet Colorado Performance
Reviewers like Consumer Guide say that the I-4 and I-5 engines provide plenty of power for in-town driving, but U.S. News suggests that if you’re willing to pay for the upgrade to the V8, you should strongly consider purchasing a full-sized pickup like the Chevrolet Silverado instead.
Reviewers’ main complaint about the Colorado is its handling and ride quality. While expectations for pickup trucks are not usually high in this regard, the Colorado managed to disappoint reviewers from Edmunds and Car and Driver.
Edmunds’ reviewer described the driving experience as “subpar,” and Car and Driver called the Colorado’s steering “numb.”
One bright spot for the Colorado is its towing and hauling capacity. The base model Colorado can tow a maximum of 3,400 pounds, while the V8 models max out at 6,000 pounds.
When it comes to hauling, the base model can accommodate a competitive 1,422 pounds, while the Z71 extended cab model can handle a payload of up to 1,741 pounds.
Chevrolet Colorado Safety Ratings and Features
All Chevrolet Colorado models are equipped with safety features like electronic stability control, traction control, and 4-wheel anti-lock brakes.
All models also come standard with anti-theft systems and Chevrolet’s OnStar service, which assists drivers by automatically contacting emergency responders in the event of a crash.
Although certain Chevrolet Colorado models performed well in selected crash tests, the overall safety picture for this vehicle is mixed. This is important, because poor crash test performance can result in higher insurance premiums.
The 2011 Chevrolet Colorado hasn’t been tested yet, but the 2010 crew cab model earned the highest possible rating of five stars from the federal government in front and rear crash tests.
However, it only earned three stars for protecting the driver in side-impact crashes. The regular and extended cab models earned 4-star ratings across the board.
The Chevrolet Colorado’s performance in Insurance Institute for Highway Safety (IIHS) testing was less impressive, though.
The IIHS rated the 2010 crew cab model’s performance on roof strength tests “Marginal,” and it rated the vehicle’s performance in side-impact crashes “Poor.”
U.S. News suggests that drivers who are concerned about safety should consider other compact pickup trucks, such as the Toyota Tacoma.
Auto Insurance Rates for the Chevrolet Colorado
Edmunds estimates that the cost of insuring a Chevrolet Colorado Crew Cab for five years is almost $8,000, while Kelley Blue Book puts the figure for the same model closer to $5,000 for five years.
These figures break down to between $1,000 and $1,600 per year. Your personal insurance rates are likely to fall somewhere in this range, but enter your zip code in the box for a personalized quote.