Cheap Car Insurance in Colorado (September 2023)

Find what companies offer the best car insurance in Colorado and what to consider when searching for coverage.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Shawn Powers
Reviewed byShawn Powers
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated September 20, 2023

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If you’re looking for car insurance coverage in Colorado, you want to find the best fit for you, and that means finding an insurer that’s the best match for your credit scores, driving history, age, and other factors.

Here are the top options for cheap car insurance in Colorado based on specific criteria.

Quick Facts
  • The average cost of car insurance in Colorado is $233 per month, based on Insurify data. 

  • Drivers in Colorado pay 10% more for car insurance than the national average.

  • Comparing quotes from at least three different insurers is the best way to find coverage that meets your needs at a price you can afford.

Best car insurance companies in Colorado

The right car insurer for you depends on your budget, needs, and preferences. Below are the best car insurance companies in Colorado based on their ideal market, average monthly costs, and Insurify Quality (IQ) Score. These scores consider various data points such as cost, reliability, and strength.

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Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
State FarmOverall$624.4
American FamilyLow rates$854.3
USAAValue$804.5
GEICOCommuters$944.3
Auto-Owners insuranceFamilies$1104.1
State AutoOutdoor enthusiasts$1083.8
AllstateStudents$964.1 
ProgressiveRenters$1274.1 
TravelersHomeowners$1314.3
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall in Colorado: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

State Farm offers Colorado drivers cheap car insurance, with monthly rates of $62 for liability coverage. That rate goes up to $91 per month for full-coverage auto insurance. The company also has an IQ Score of 4.4 out of 5.

State Farm’s high rating and low rates can be attractive for people looking for affordable and reliable car insurance coverage in Colorado, considering the average cost for Colorado car insurance is $233 per month. Plus, you may be eligible for numerous discounts — especially if you have multiple policies with the company. Teen drivers may also qualify for savings of up to 25% by getting good grades.

As the top car insurance company in the nation by market share, State Farm is a reputable insurer. It has relatively high customer satisfaction, with 882 points out of 1,000 in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.

Pros
  • Cheapest rates in Colorado

  • Discounts available for good drivers and teen drivers

  • Significant savings available via bundling

Cons
  • Must work with a State Farm agent to get coverage

  • Average consumer review ratings

  • Some speciality coverage may not be available

Best cheap car insurance in Colorado: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$129/mo

Founded in 1927 in Madison, Wisconsin, American Family Insurance offers more than a dozen types of insurance in 18 states throughout the midwestern and western U.S. The company has an excellent rating from A.M. Best for both financial strength and credit. American Family stands out for its high rate of customer satisfaction, with largely positive online consumer reviews and a well below-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index. American Family offers car insurance policyholders 16 different discounts to help lower their rates.

Pros
  • High rates of customer satisfaction

  • Numerous discount and coverage options

Cons
  • Only available in 18 states

  • Rates are merely moderate compared to other insurers

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified

Too expensive with terrible customer service

Urga - January 21, 2023
Verified

They have treated me really well.

Craig - January 7, 2023
Verified
Read our American Family review

American Family car insurance has low rates for Colorado drivers, at $85 per month for liability coverage and $125 per month for full coverage. This is a considerably lower rate than the average cost of $233 per month. The company also has an IQ Score of 4.3 and is just below State Farm in customer satisfaction, receiving 874 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.[1]

The company stands out for its various insurance products, including unique offerings such as insurance for farms and ranches, businesses, or snowmobiles. You could save up to 27% if you bundle American Family’s auto insurance, home insurance, and life insurance.

If you need customer assistance, you have several ways to reach out to a company representative, including mobile app, email, phone, or chat.

Pros
  • Affordable car insurance

  • Multiple ways to get in touch with an agent

  • Bundling discount available 

Cons
  • Average customer review ratings on Consumer Affairs[2]

  • Low ratings on digital experience from J.D. Power

  • Low customer review ratings, according to the Better Business Bureau (BBB)[3]

Best for value in Colorado: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.

Pros
  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

The representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023
Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023
Verified

Exceptional customer service

Anthony - January 15, 2023
Verified
Read our USAA review

USAA offers some of the most competitive pricing in car insurance alongside high levels of customer satisfaction. The average cost of liability coverage with USAA is $80 per month. Full-coverage car insurance in Colorado costs $117 per month on average, based on Insurify data. The caveat is that USAA is exclusively available to current and past members of the military and their families. The general population doesn’t qualify for these rates.

Eligible Colorado drivers may get additional savings through the company’s plentiful discounts, including saving up to 3% with automatic payments, 10% by bundling home and auto policies, and 15% off your auto insurance when storing your vehicle at a military base.

USAA has an IQ Score of 4.5 and has a mobile app for consumers to easily handle their claims. USAA is a financial services company in addition to being an insurer.

Pros
  • Competitive rates

  • High customer satisfaction

  • Savings of up to 30% possible via SafePilot program

Cons
  • Available only to active and past military members and their families

  • Limited optional coverage available

  • Must be a USAA member to get coverage

Best car insurance for commuters in Colorado: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$143/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
Read our GEICO review

GEICO is a good fit for commuters who may have higher rates elsewhere because of the large number of miles they drive. A GEICO policy costs $94 per month for liability coverage and $139 per month for full coverage. The company has an IQ Score of 4.3, and it also has above-average customer satisfaction, based on data from J.D. Power.

To get these low rates as a commuter, you can look at GEICO’s discounts for safe driving or bundle your policies. You can choose from the standard car insurance coverage types, including liability, collision, comprehensive, and medical coverages. GEICO also offers rental reimbursement, emergency roadside assistance, and mechanical breakdown insurance.

Pros
  • Higher-than-average customer satisfaction

  • Low-cost premiums

  • Optional mechanical breakdown insurance available

Cons
  • Low customer ratings on Consumer Affairs[4]

  • May raise prices at renewal unexpectedly

  • Lacks phone support

Best car insurance for families in Colorado: Auto-Owners Insurance

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$167/mo

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.

Pros
  • High customer satisfaction

  • Multiple discounts

Cons

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019
Verified

Good customer service

Debora - February 12, 2019
Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018
Verified
Read our Auto-Owners review

Auto-Owners Insurance offers teen driver discounts and good student discounts for those with young drivers. Families can also get a multi-policy discount and save even more if they get life insurance coverage through Auto-Owners.

Liability coverage from Auto-Owners Insurance costs $110 per month. The premium rises to $162 per month for full-coverage car insurance. The company also has an IQ Score of 4.1. 

Auto-Owners doesn’t offer the lowest rates, but its rates are more affordable than many other car insurance companies in Colorado. 

However, the company does have lower-than-average ratings from J.D. Power in both customer satisfaction and digital experience.[1] Additionally, consumer ratings are relatively low on ConsumerAffairs.[5]

Pros
  • Attractive discount options available

  • Ideal for families with teen drivers or multiple cars

  • Relatively affordable rates compared to other insurers

Cons
  • Below-average customer satisfaction from J.D. Power

  • Below-average digital experience from J.D. Power

  • Low customer ratings on ConsumerAffairs

Best car insurance for outdoor enthusiasts: State Auto 

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$83/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$263/mo

Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Ample options for customizing coverages

  • Numerous discounts available

Cons
  • Not available in all states

  • Online quotes and purchasing not available

No problems

Dave - April 12, 2022
Verified

Received a rate increase without notice on renewal

Lynnette - February 2, 2021
Verified

Reasonable rates for the coverage we get on auto

BARBARA - March 17, 2019
Verified
Read our State Auto review

State Auto is a good option for outdoor enthusiasts because of its optional coverage. You can get roadside assistance and full safety glass coverage. If you have a lot of outdoor gear, the AutoXtended coverage endorsement can help protect your belongings. This endorsement covers personal effects, cell phones, pets, emergency travel, and more.

The cost of State Auto is $108 per month for liability coverage. Opting for full-coverage car insurance increases that amount significantly, to $354 per month.

State Auto’s IQ Score is also a bit lower than some other insurers, at 3.8. The company has an A+ rating on the Better Business Bureau (BBB) but has low customer ratings on the site.

Pros
  • A+ rating from BBB

  • Many different optional coverages available

  • Affordable liability coverage

Cons
  • Poor customer ratings, according to the BBB website

  • More expensive full-coverage car insurance 

  • Some complaints about communication, according to the BBB[6]

Best car insurance for students: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$145/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Good company, but costs more for premiums

Patricia - February 1, 2023
Verified

My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.

Burl - January 30, 2023
Verified

They’ve given good service, but there were times when things could have been handled a bit more professionally.

Dorothy - January 18, 2023
Verified
Read our Allstate review

Allstate offers attractive discounts that students may be eligible for, including getting good grades for drivers younger than 25.

Drivers younger than 21 who keep their vehicle and are more than 100 miles from home may also qualify for a discount. Teen drivers who get teenSMART certified can also score savings as well, making Allstate the optimal choice for student drivers.

Because young drivers tend to pay higher premiums, it’s a good idea to find a company with discounts and affordable coverage. Though rates may vary for young or teen drivers, the average monthly cost of Allstate liability car insurance is $96 per month. Full-coverage car insurance with Allstate costs $141 per month.

Allstate’s IQ Score is 4.1, which is relatively high compared to other rated insurers. The company also has relatively high customer satisfaction and received 889 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.

Pros
  • Various student and teen driver discounts available

  • Low monthly premiums

  • High customer satisfaction scores[1]

Cons
  • Below-average rating in digital experience from J.D. Power[1]

  • Average rating on ConsumerAffairs[7]

  • Some customer complaints about service

Best car insurance for renters in Colorado: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$164/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Very good service but too expensive

Dewey - February 2, 2023
Verified

I called with questions; the answers were complete and to the point.

Yvonne - February 1, 2023
Verified

Would not let us bundle

Gary - February 1, 2023
Verified
Read our Progressive review

If you’re a renter in Colorado, you may be able to score additional savings when you bundle your auto insurance and rental insurance with Progressive. Your apartment complex may or may not require you to get renters insurance. But if you need coverage, this is a great way to save up to 4% when combined with auto insurance coverage. Progressive offers various pricing options and competitive rates.

The average monthly cost of liability insurance in Colorado from Progressive is $127. If you want more protection, full coverage costs $195 per month. You may be able to save even more with the company’s Snapshot program if you practice safe driving habits. Plus, with Progressive’s Name Your Price Tool, you can see what options fit your budget.

Progressive has an IQ Score of 4.1. It should be noted, though, that the company has below-average ratings in customer satisfaction when it comes to filing auto claims, according to data from J.D. Power.

Pros
  • High customer satisfaction in digital experience, according to J.D. Power[1] 

  • Savings available when bundling auto insurance with renters insurance

  • Many available discounts and ways to save

Cons
  • Below-average claims customer satisfaction rating from J.D. Power[1]

  • Low customer ratings on CustomerAffairs[8]

  • Some complaints about price increases at renewal

Best car insurance for drivers who own homes in Colorado: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$122/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$196/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Helped me when I needed them

Ian - January 19, 2023
Verified

They have always stuck with me through thick and thin.

Luther - January 13, 2023
Verified

We’ve had them for more than 15 years; bundled but need a policy for our car in Florida

John - January 8, 2023
Verified
Read our Travelers review

Homeowners in Colorado can look for car insurance savings through Travelers, which offers a homeownership discount. The discount is available whether it’s a home or condo, and the company even offers it to people who have home insurance with another insurer. If you decide to bundle your auto and home policies, you can get a multi-policy discount, which can reduce your auto insurance premiums by up to 13%.

Travelers also offers liability insurance for $131 per month, with full-coverage rates at an average of $200 per month. If you have an electric or hybrid car, you may be eligible for a discount to lower your rates.

The company’s IQ Score stands at 4.3, one of the highest ratings among insurance companies. However, Travelers does have below-average customer satisfaction in claims, according to data from J.D. Power.[1]  Additionally, Travelers also has a below-average rating in customer satisfaction for digital experience.[1]

Pros
  • Homeownership discount available

  • Hybrid/electric vehicle and other discounts available

  • Affordable premiums

Cons
  • Below-average customer satisfaction for claims from J.D. Power[1] 

  • Below-average customer satisfaction in digital experience from J.D. Power[1]

  • May have processing fees

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represents averages across all driver ages, gender, credit scores, and driver profiles for Colorado drivers.

How to shop for the best car insurance in Colorado

To find the best car insurance coverage, you should shop around to find the best rate and options for your unique situation. That means getting quotes from a minimum of three insurance providers to compare.

“Understanding the ins and outs of car insurance in Colorado is key to ensuring you’re getting adequate coverage at a reasonable price,” says John Espenschied, owner of Insurance Brokers Group. “Remember to assess your needs, consider the factors that affect your premiums, and take advantage of available discounts to save money on your insurance policy. Whether you’re a new driver or a seasoned one, taking the time to research your options and learn about the coverage available in Colorado can go a long way in giving you peace of mind on the road.”

Here are some of the best practices to keep in mind when shopping for car insurance in Colorado:

  1. Research three to five car insurance companies.

  2. Look at car insurance quotes, coverage types, benefits, available discounts, and customer reviews.

  3. Understand how much coverage you’re required to carry and what you need to feel comfortable and protected.

  4. Sign up online, or through an insurance agent, to start your car insurance coverage.

  5. Stay on top of paying your car insurance premiums, and practice safe driving habits.

How to get the cheapest car insurance in Colorado

The car insurance rate you get depends on many different factors, including your driving history, location, how much you drive, gender, age, and potentially your credit.

To get cheap car insurance in Colorado, consider the following:

  • Raise your deductible. A higher deductible means you pay more out of pocket if there’s a claim, but it can result in lower car insurance premiums.

  • Look for discounts that you may qualify for. Insurance companies may offer discounts based on safe driving, having multiple policies with the company, or an affiliation, such as being a military member or a teacher.

  • Compare car insurance rates. Shopping around can help you find the best rates for your situation. Check out prospective rates from multiple insurers to make the search easier.

Minimum car insurance requirements in Colorado

Minimum liability car insurance requirements vary by state. In Colorado, you need to maintain the following car insurance coverage:

Coverage TypeAmount 
Bodily injury or death (one person)$25,000
Bodily injury or death (all persons) $50,000
Property damage in accident $15,000

These requirements cover you if you’re found at fault for bodily injury, death, or damage to another party’s vehicle. While this is the minimum requirement, it only covers the other party if you’re found at fault and doesn’t cover your own property or injuries, which is where additional insurance coverage like collision, comprehensive, and medical payments protection can help.

Liability-only vs. full-coverage insurance in Colorado

Liability auto insurance is required in Colorado, though it only pays for damages or injuries to other parties. This coverage alone may make sense if your vehicle is older than 10 years and has little long-term value.

If you need higher levels of coverage, you can look into full-coverage insurance, collision, and comprehensive coverage. Collision insurance covers your vehicle in accidents or hitting other objects, while comprehensive covers damage due to other events like weather or theft.

Here’s a look at the cheapest auto insurance in Colorado by policy type. All insurers below are more affordable than the average of $233 per month for car insurance in Colorado. 

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
State Farm4894
USAA62121
American Family67129
GEICO74143
Allstate75145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Colorado car insurance rates by driving and accident history

Your driving history can affect your car insurance premiums. If you have a clean record, you’ll get the lowest rates, but drivers with speeding tickets or at-fault accidents will end up paying more. Colorado drivers with a driving under the influence (DUI) charge will pay the most.

Here’s a look at average monthly quotes for the cheapest car insurance in Colorado based on driving and accident history.

Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
State Farm$91$130$181$122
USAA$117$168$233$157
American Family$125$179$249$168
GEICO$139$198$276$186
Allstate$141$201$280$189
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

SR-22 insurance in Colorado

If you’ve been convicted of a DUI, you may need to have your insurer file an SR-22.

An SR-22 is a form your insurance company files with the department of motor vehicles (DMV) to verify that you’re carrying the state’s minimum auto insurance coverage. Failure to keep this form up to date could cause your license to be suspended.

If you purchase liability insurance and you require an SR-22, this form must be filed with the Colorado Department of Motor Vehicles. Not every insurer supports people who need to file an SR-22, but you can find coverage in Colorado through several insurers, including:

  • American National

  • Southern Farm Bureau

  • GEICO

  • USAA

  • Grange

Colorado car insurance quotes by credit tier

Several states allow insurers to factor in your credit score when calculating your car insurance rates, and Colorado is one of these states.[9] Your credit score shows how well you manage your finances and if you pay your bills on time. A good credit score ranges from 670 to 739, but the higher your credit score, the better your options will be.

The table below shows what you can expect to pay each month based on your credit tier in Colorado.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$130$234
Good$153$277
Average$168$304
Poor$261$472
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance quotes in Colorado cities

Car insurance rates can vary by city within Colorado. Some larger cities may have more traffic or a higher number of accidents, leading to higher car insurance rates. Cities that experience more theft or vandalism can also see higher insurance rates.

Here are the average monthly quotes for car insurance in 11 Colorado cities.

CityAverage Monthly QuoteCompared to State Average
Aurora$30129%
Denver$2528%
Colorado Springs$2486%
Arvada$2476%
Littleton$2466%
Englewood$2340%
Pueblo$227-3%
Greeley$214-8%
Boulder$206-12%
Fort Collins$199-15%
Grand Junction$157-32%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Colorado car insurance rates by driver age

Young drivers, especially teen drivers, have a higher likelihood of getting into a fatal accident, according to the Centers for Disease Control and Prevention. As such, your age can affect your car insurance rate, as insurers consider certain age groups more likely to file a claim.

As you can see from the table below, teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age bracket and mostly trend downward.

Age GroupAverage Monthly Quote
Teenagers$433
Under 25$303
20s$238
30s$218 
40s$191
50s$179
60s$159
70s$170
80+$160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Colorado car insurance FAQs

Looking for more information about car insurance in Colorado? Find the answers to your questions here.

  • Who has the cheapest car insurance in Colorado?

    The top three cheapest insurance companies in Colorado are American Family Insurance, State Farm, and USAA. These insurers have the best prices in the state for both liability-only and full-coverage insurance, starting at just $62 per month for State Farm. Comparing multiple quotes at once can help you find the cheapest car insurance rate for your situation.

  • What’s the required car insurance coverage in Colorado?

    Colorado’s minimum car insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 per accident in property damage liability coverage.

  • What are the best car insurance companies in Colorado?

    State Farm ranks as one of the best car insurance companies in Colorado, with average monthly rates of $62 for liability only and $91 for full coverage and a 4.4 IQ Score. State Farm also has an A+ rating with the BBB and a J.D. Power customer satisfaction ranking of 882.

    Other top insurers in the state are USAA, which has high customer satisfaction ratings, and American Family Insurance.

  • How does credit score affect car insurance premiums in Colorado?

    Having a better credit score typically lowers your costs. A poor credit score is anything that falls below 630, while an excellent credit score is anything above 720. You don’t need perfect credit to get a good insurance rate, though, since credit is just one of the factors insurers consider when determining car insurance premiums.

  • Is Colorado a no-fault state?

    No. Colorado is not a no-fault state. This means if you’re injured in a car accident or your car suffers damage, you have the right to sue the driver responsible for the accident.

Insurify Insights

How Colorado Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Colorado below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Colorado drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Colorado

#7

State with the Most Speeding Tickets Rank

#8

State with the Moving Violations Rank

#12

State with the Most DUIs Rank

#18

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Colorado is the #15 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #15
    • Percent of drivers in Colorado with an accident: 9.6%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Colorado is the #12 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #12
    • Percent of drivers in Colorado with a DUI: 2%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Colorado is the #13 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #13
    • Percent of drivers in Colorado with a reckless driving offense: 1.7%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Colorado is the #11 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #11
    • Percent of drivers in Colorado with a rude driving violation: 2%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Colorado is the #7 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #7
    • Percent of drivers in Colorado with a speeding ticket: 11.4%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Colorado is the #10 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #10
    • Percent of drivers in Colorado with a failure to yield violation: 0.2%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds." Accessed April 27, 2023
  2. Consumer Affairs. "American Family Insurance." Accessed April 27, 2023
  3. Better Business Bureau. "American Family Insurance." Accessed April 27, 2023
  4. Consumer Affairs. "GEICO." Accessed April 27, 2023
  5. Consumer Affairs. "Auto-Owners Insurance." Accessed April 27, 2023
  6. Better Business Bureau. "State Auto." Accessed April 27, 2023
  7. Consumer Affairs. "Allstate Auto Insurance." Accessed April 27, 2023
  8. Consumer Affairs. "Progressive Insurance." Accessed April 27, 2023
  9. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed April 27, 2023
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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