Best Car Insurance in Colorado (2026)

State Farm, USAA, and Progressive top our list as three of the best car insurance companies in Colorado.

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4.7 / 517K reviews
Jessica Martel
Writer: Jessica MartelInsurance Writer

Qualifications:
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor


Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Photo of an Insurify author
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Mark Friedlander
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

Qualifications:
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert


As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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
Details
4.1
Best choice in ColoradoBased on 21,213 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.43.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
How drivers feel about State Farm

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.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Customer service
Competitive rates
Discounts for safe drivers
Showing 36 reviews from Colorado driversSee all 8,139 State Farm reviews
Tracy
Verified Review
Worst Insurance Company!
Rates go up, and State Farm avoids paying out claims.
Jeff
Verified Review
Good
Expensive, even with no accidents or tickets.
Nita
Verified Review
Always Available to Help You!
I’ve never had a problem with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
Why we picked this company

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.

Pros
  • Large network of local agents

  • Above-average J.D. Power customer satisfaction rating in the Southwest region

  • Below-average number of complaints

Cons
  • No accident forgiveness coverage

  • No gap insurance

  • 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
Details
4.9
Best choice in ColoradoBased on 4,315 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

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.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Members of the military community
Outstanding customer service
Competitive rates
Showing 15 reviews from Colorado driversSee all 1,697 USAA reviews
Anthony
Verified Review
Going to Switch After I Pay Off My Car
They keep raising the premium and have too much control over my driving—harsh braking alerts and no phone use, even though I have Bluetooth.
James
Verified Review
Usually disappointing
They claim to support veterans, but their prices are steep. I've experienced rate increases without explanation, despite having no tickets or moving violations.
Matt
Verified Review
Insurance Overpriced
Overpriced, but that seems to be the trend. Customer service is good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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++
Why we picked this company

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.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Save up to 30% with SafePilot telematics program

  • Physical location in Colorado Springs

Cons
  • 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
Details
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Competitive rates
Easy buying process
Telematics program
Showing 24 reviews from Colorado driversSee all 9,101 Progressive reviews
Thomas
Verified Review
Progressive Loopholes
Progressive is the cheapest insurance I can find. The people are professional and friendly, but when I needed them, they didn’t come through because of too many loopholes in their policy.
Adele
Verified Review
Expensive
Too expensive when I don’t drive that many miles a week. I’m looking for a less expensive option.
Mark
Verified Review
12 Years, and They Still Tried to Pull One Over on Me
I left because they added an unlicensed driver—who doesn’t even live at my address—without my consent, which would have more than tripled my rates. I’ll never recommend them or use their services again.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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+
Why we picked this company

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.

Pros
  • Affordable rates in Colorado

  • Numerous available discounts

  • Large network of local agents

Cons
  • 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
Details
4.5
Best choice in ColoradoBased on 665 verified driver reviews and ratings
American Family's score
Industry average
Coverage options4.63.2
Customer service4.93.6
Discounts4.52.9
Policy transparency4.53.1
Value4.32.9
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Outstanding customer service
Flexible coverage options
Families with young drivers
Showing recent national reviewsSee all 278 American Family reviews
Robert
Verified Review
Unhorsed Me
They gave me scrap price for my car after a deer collision.
Jack
Verified Review
Bad Company
They canceled my policy after 16 years because they said I was deceased, but it was my dad—who had the same name—who passed away.
Mitchell
Verified Review
My AmFam Experience
Easy to file claims. Claims are handled quickly. Coverage value is better than average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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
Why we picked this company

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.

Pros
  • Above-average J.D. Power claims satisfaction rating

  • Below-average number of complaints

  • High Trustpilot score

Cons
  • 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
Details
4.0
Best choice in ColoradoBased on 20,780 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency4.03.1
Value3.92.9
How drivers feel about GEICO

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.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Teen drivers
Cheap rates
Accident forgiveness
Showing 10 reviews from Colorado driversSee all 8,200 GEICO reviews
Michaela
Verified Review
GEICO Rocks, Progressive Not!
GEICO is great. I switched to Progressive, and that was bad. I switched back to GEICO.
Wayne
Verified Review
Meh rating
Too expensive and difficult, especially for classic cars.
John
Verified Review
Too much money.
They charge too much for the coverage I have.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
Why we picked this company

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.

Pros
  • Large number of discounts

  • Highly rated mobile app

  • A++ (Superior) financial strength rating from AM Best

Cons
  • 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 Coloradoexpand/collapse

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.

Excellent
4.7 out of 5 based on 17,286 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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:

  • illustration card https://a.storyblok.com/f/162273/150x150/834da573df/car-and-driving-96x96-orange_023-driving-test.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/6a92eb6099/insurify-icons-auto-green-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/534f1a1e1c/banking-96x96-green_007-calendar.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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

Jessica Martel
Writer: Jessica MartelInsurance Writer

Qualifications:
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor


Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Photo of an Insurify author
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Mark Friedlander
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

Qualifications:
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert


As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.