Updated
Best car insurance companies in Colorado
With so many quality car insurance companies in Colorado, it can be hard to decide which one is right for you. To help you narrow your options, Insurify analyzed 120+ car insurance companies to determine the best car insurers in Colorado.
State Farm: Best overall
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $54/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. | $124/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Offering affordable premiums, strong customer satisfaction ratings, and a large network of local insurance agents, State Farm is our pick for the best overall insurance company in Colorado. With State Farm, you can customize your policy with a large selection of coverage options and save with a wide variety of discounts.
Large network of local agents
Above-average J.D. Power customer satisfaction rating in the Southwest region
Below-average number of complaints
No accident forgiveness coverage
Doesn’t always disclose discount percentages
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $70/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. | $159/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
With more than 340,000 veterans in Colorado, many drivers can take advantage of USAA’s affordable rates and military discounts.[1] If you live in Fort Carson or another military base, you can save up to 15% just for garaging your car on the base. If you have to store your car while you’re deployed, you can save up to 60% on your premiums with USAA.
A++ (Superior) financial strength rating from AM Best
Save up to 30% with SafePilot telematics program
Physical location in Colorado Springs
Available only to military members and their families
Low Trustpilot rating
No 24/7 customer service
Progressive: Best for local agents
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $66/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. | $139/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
If you prefer to meet face-to-face with a local agent, Progressive is a strong choice. From Durango to Grand Junction and Colorado Springs, Progressive has a wide network of local agents available to help you find the best auto insurance coverage for your needs.
Affordable rates in Colorado
Numerous available discounts
Large network of local agents
Above-average number of complaints
Below-average J.D. Power customer satisfaction rating in the Southwest region
Low Trustpilot score
American Family: Best for low-mileage drivers
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $170/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
With American Family, Colorado drivers who drive less than 8,000 miles annually can save up to 25% off their car insurance premiums. American Family’s MilesMyWay program may be a good option if you’re like 20% of the population who works from home, a retiree, or a student who lives on campus and drives less than 20 miles per day, on average.
Above-average J.D. Power claims satisfaction rating
Below-average number of complaints
High Trustpilot score
Not the cheapest insurer in Colorado
Lower financial strength rating than some competitors
Below-average J.D. Power customer satisfaction rating in the Southwest region
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $77/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. | $177/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO offers many ways to save with a wide range of car insurance discounts. You can save up to 25% when you insure multiple vehicles with GEICO, or up to 22% for having a clean driving record. Eligible students attending Colorado State, the University of Colorado, or other schools in the state can save up to 15% for getting good grades with the good student discount.
Large number of discounts
Highly rated mobile app
A++ (Superior) financial strength rating from AM Best
Below-average J.D. Power claims satisfaction rating
Below-average J.D. Power customer satisfaction rating in the Southwest region
Low Trustpilot score
How we chose the best car insurance companies in Colorado
Our editorial team analyzed regional and national auto insurance companies that sell policies in Colorado to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Average cost of car insurance in Colorado
The average cost of car insurance in Colorado is $97 per month for liability coverage and $218 for full coverage.
Rates in Colorado are higher than the national averages of $98 per month for liability car insurance and $187 for full coverage.
Colorado’s high vehicle theft rate, high uninsured rates, and exposure to severe weather events, such as high winds, floods, and wildfires, may help explain its above-average rates.[2]
In June 2026, the average cost of car insurance in Colorado was $2,603 per year. By December, average rates are projected to decrease to $2,559. That’s a yearly projected decrease of 2.9%, according to Insurify’s latest auto insurance report.
Find Cheap Car Insurance in Colorado
Liability policies average $97/mo.
How to get the best car insurance in Colorado
The best car insurance will depend on your individual needs and budget. When you’re trying to decide which company is right for you, consider the following tips:
Choose the right amount of coverage
Colorado’s minimum-coverage requirements are $25,000 per person and $50,000 per accident in bodily injury liability, plus $15,000 for property damage liability.[3] You might consider higher policy limits to protect you after a serious at-fault accident.
Consider optional coverages
To protect your car from common Colorado weather events, like flooding, hail, and wildfires, consider adding physical damage coverage. If you lease or finance your vehicle, your lender might require collision and comprehensive insurance.
Aim for a high credit score
Colorado insurance companies can use your credit history as one of the factors to calculate your premiums. A higher credit score may result in lower rates.
Ask about discounts
Since discounts vary among insurers, make sure you ask which ones are available. Common discounts in Colorado include bundling, defensive driving, loyalty, and safe driver discounts.
Avoid gaps in coverage
Failing to maintain continuous coverage can result in higher insurance premiums. Plus, if you’re caught driving without proof of insurance in Colorado, you can get a $500 fine, four points on your license, and potential jail time.
Compare quotes
The average cost of coverage in Colorado is higher than the national average. To find the best rates, ask for quotes from multiple Colorado insurance companies.
Best car insurance in Colorado FAQs
With so many quality car insurance companies to choose from in the Centennial State, here’s more information to help narrow your search for the best car insurance.
What is the cheapest car insurance company in Colorado?
State Farm is the cheapest car insurance company in Colorado, with an average rate of $54 per month for liability coverage.
What car insurance company is best in Colorado?
Some of the best car insurance companies in Colorado include State Farm, USAA, and Progressive. Of course, the best insurer for you will depend on your specific needs and budget.
How much should you pay for car insurance in Colorado?
The average cost of car insurance in Colorado is $97 per month for liability coverage and $218 for full coverage. Your exact premiums can vary based on several factors, including your age, credit score, ZIP code, driving record, deductible, and the type and amount of insurance coverage you choose.
Why is Colorado car insurance so high?
Colorado’s high vehicle theft rate, high uninsured rates, and exposure to severe weather events, such as high winds, floods, and wildfires, may help explain why its rates are above the national average.
Sources
- U.S. Census Bureau. "QuickFacts: Colorado."
- Colorado Water Conservation Board. "Hazards."
- Colorado Department of Regulatory Agencies. "Auto Insurance."
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