“How come my car insurance rates keep going up?” This is a common complaint these days here in Colorado. Between 2014-2015 over 100,000 people moved to CO. 2015 was the deadliest year for auto accidents. More drivers, more accidents. Colorado is the 2nd in the country for auto repairs costs. Expect auto rates on average to increase 15%. This could be higher or lower depending on where in the state you live.