Best Car Insurance in Colorado (2025)
American Family, USAA, and State Farm are three of the best car insurance companies in Colorado.
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Written byJess Ullrich
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Más de 10 años escribiendo sobre seguros y finanzas personales
Ex editora asociada de finanzas de Investopedia
Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ 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.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Colorado drivers don’t have a shortage of car insurance companies to choose from. Each driver shopping for auto coverage has their own priorities. Some people may want an insurer that offers a broad range of discounts, while others may want a usage-based insurance option.
Insurify analyzed 50 different insurers to help you find the best car insurance companies in Colorado and choose the best insurer for your coverage needs. Here’s what you need to know about car insurance in Colorado, including how to compare quotes and coverage options.
Best car insurance companies in Colorado
The best coverage for you depends on many factors, including your driving record, age, ZIP code, credit history, and more. People with clean driving records typically get the lowest rates.[1]
The following companies are Insurify’s top picks if you’re shopping for car insurance in Colorado.
American Family Insurance: Best overall
| 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. | $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. | $157/mo |
4.5
Best choiceBased on 514 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (248)
Holly
Verified Review
Our Family
Reviewed in Ohio on October 2025
Wonderful and easy-to-use claims.
Janice
Verified Review
Excellent
Reviewed in Georgia on October 2025
So far, so good. I've never had to file a claim.
Charles Gary
Verified Review
Good service
Reviewed in Georgia on October 2025
Good, but rates are starting to skyrocket!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy we picked this company
American Family is the best overall insurer for Colorado drivers, thanks to fairly cheap car insurance rates and ample discounts, including safe driving and young driver discounts. In addition to offering inexpensive coverage, AmFam also has solid ratings for overall financial stability and customer satisfaction.
Pros
Statewide distribution network of local exclusive agents
A (Excellent) AM Best financial strength rating
Ample coverage options
Cons
No rideshare insurance coverage
Fewer discounts than some competitors
Average rates may be higher than some competitors
USAA: Best for customer satisfaction
| 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. | $79/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. | $147/mo |
4.9
Best choiceBased on 2,351 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,293)
Cary
Verified Review
OK
Reviewed in Colorado on November 2025
Good company, but costs keep going up.
Judith
Verified Review
Judy's Auto Insurance
Reviewed in Maine on November 2025
Too costly for someone who drives less than 15 miles per day.
James
Verified Review
So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.
Reviewed in Alabama on November 2025
So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
USAA consistently ranks among the top insurers for customer satisfaction, according to J.D. Power, a data analytics company. USAA offers good customer service, but policyholders can also access other perks, including affordable average premiums and several discounts. USAA exclusively sells coverage to current and former military members and their eligible family members.
Pros
Affordable rates
A++ (Superior) AM Best financial stability rating
High J.D. Power customer satisfaction ratings
Cons
Coverage restricted to members of the military family
Mixed online reviews
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
State Farm: Best for cheap rates
| 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. | $61/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. | $114/mo |
4.1
Best choiceBased on 12,346 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,449)
Mark
Verified Review
Too much
Reviewed in New York on November 2025
I've been with State Farm for 50 years, and they've raised my rates twice in one year. I even took the 10% discount class, and my rates still went up.
Michael
Verified Review
Customer treatment
Reviewed in New York on November 2025
They were very courteous and professional and listened to my side of the story. It was a very minor accident in the LA Fitness parking lot on Arthur Hill Ave., Staten Island. I appreciate the way I was treated by your company. You are professionals.
Maryann
Verified Review
How Much Will Rates Increase?
Reviewed in California on November 2025
I am not certain how State Farm will raise their rates for home and auto insurance. They have been a quality company for the many years I have been with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
State Farm offers the cheapest car insurance rates for Colorado drivers compared to its competitors. State Farm also has high customer satisfaction ratings and a low number of customer complaints filed with the National Association of Insurance Commissioners (NAIC). If you’d like to get a quote with this insurer, you can start the process online and contact one of several local insurance agents to finalize your quote.
Pros
Large statewide network of local exclusive agents
Below-average number of NAIC customer complaints
High J.D. Power customer satisfaction ratings
Cons
Doesn’t sell accident forgiveness
Fewer discounts than some competitors
Drivers can only purchase coverage through State Farm agents
Nationwide: Best for usage-based insurance
| User Reviews | 4.3 |
|---|---|
| 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 /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. | $101/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. | $189/mo |
4.3
Best choiceBased on 894 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (498)
Raymond
Verified Review
Above Average
Reviewed in New York on November 2025
Good experience, especially with the claims department.
Edward
Verified Review
Happy for the most part
Reviewed in Pennsylvania on November 2025
I haven’t had any claims, but roadside assistance could be better.
Angela
Verified Review
Customer Service
Reviewed in Ohio on October 2025
They always answer the phone, and communication is why I stay.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.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 have a short commute or you work from home, like thousands of people in the Centennial State, you should consider Nationwide’s usage-based insurance program. SmartMiles is a pay-per-mile insurance program that low-mileage drivers can use to likely save money on coverage. Nationwide has a lower-than-average number of customer complaints with the NAIC, indicating high customer satisfaction.
Pros
Affordable rates for low-mileage drivers
Below-average number of NAIC customer complaints
Many discount and savings opportunities
Cons
Higher average rates for standard policies than some competitors
Mixed online customer reviews
Below-average customer satisfaction score from J.D. Power
GEICO: Best for older adults
| 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. | $93/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. | $174/mo |
4.0
Best choiceBased on 12,997 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,777)
Ken
Verified Review
Rates
Reviewed in Michigan on November 2025
All good... never had to use the insurance. The only issue is the price of coverage is crazy out of control.
Gurbaj
Verified Review
Poor
Reviewed in California on November 2025
Way too expensive for a paid-off 5-year-old vehicle.
Jennie
Verified Review
Do not recommend Geico if you live in a place with strong winds
Reviewed in North Dakota on November 2025
Geico raised my policy by $150 because my door slightly dinged another car during a windstorm we had.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
Senior drivers in Colorado interested in cheap coverage from a major national insurer may want to consider GEICO. This car insurance company offers low average monthly premiums for seniors. You can potentially reduce your premiums even more by accessing the company’s ample discounts.
Pros
Affordable prices for seniors
Lower-than-average number of NAIC customer complaints
Ample discounts available
Cons
Lower-than-average J.D. Power customer satisfaction ratings
Higher rates than some competitors
Mixed online customer reviews
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.
How to get the best car insurance in Colorado
If you’re shopping for new car insurance in Colorado, here are some tips for finding the best coverage.
Consider how much coverage you need
State law requires Colorado drivers to buy bodily injury and property damage liability insurance. You must purchase at least $25,000 per person and $50,000 per accident in bodily injury coverage and $15,000 in property damage coverage to drive legally in Colorado. But many people opt for higher limits and additional coverage for further protection.[2]
For example, if you drive a newer car or want more protection on the road, it may make sense to buy a full-coverage car insurance policy that includes collision, comprehensive, and liability insurance. Always consider your coverage needs before comparing quotes.
Read reviews from customers
Reading reviews from current or past policyholders can give you some insight into prospective companies. Consider looking on sites like Trustpilot or searching for auto insurers in the NAIC consumer complaint database. Pay particular attention to reviews related to car insurance, as many companies offer multiple insurance products.
Consider customer satisfaction scores
An insurer’s customer satisfaction scores will also help you understand whether current and past customers are pleased with their coverage. Review J.D. Power’s auto insurance customer satisfaction and claims satisfaction studies for more insight.
For example, American Family, State Farm, and USAA all ranked above average for customer satisfaction in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.[3]
Compare quotes
Insurance costs are one of the most important factors to consider, so you’ll also want to compare car insurance quotes from different companies before moving forward with a new policy. Doing so will give you insight into costs so you can make an informed decision.
Average cost of car insurance in Colorado
Drivers in Colorado pay an average of $93 per month for liability-only car insurance and $196 for full-coverage car insurance. These rates are similar to the national averages of $100 for liability only and $177 for full coverage.
Car insurance rates in Colorado and elsewhere in the U.S. have increased in recent years due to factors like rising vehicle repair costs, increasingly expensive new vehicle costs, and unprecedented climate catastrophes.
The average annual cost of full-coverage insurance for Colorado drivers was $2,801 in June 2025, according to Insurify data. The projected annual cost of full-coverage insurance by the end of 2025 is 2% higher, at $2,880 annually.
Find Cheap Car Insurance in Colorado
Liability quotes in Colorado start at $61/mo.
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Best car insurance in Colorado FAQs
If you’re still trying to choose the best car insurance company in Colorado, the following information can help answer your remaining questions about car insurance in the state.
How much is car insurance in Colorado?
The average cost of car insurance in Colorado is $93 per month for liability coverage and $196 for full coverage. How much you pay depends on a number of factors, including your driving record, marital status, age, and more. For example, if you have a past car accident or other traffic violations, you’ll likely pay higher rates. You should compare quotes to find the cheapest rates for coverage that meets your needs.
What are the best car insurance companies in Colorado?
Some of the best car insurance companies in Colorado include American Family, USAA, State Farm, Nationwide, and GEICO. These companies offer relatively affordable rates, car insurance discounts, and other perks for drivers.
What is the required auto insurance coverage amount in Colorado?
Colorado drivers must purchase at least $25,000 per person and $50,000 per accident in bodily injury liability insurance and $15,000 in property damage liability coverage. But many people opt for full-coverage car insurance policies for additional protection from car accidents and other incidents.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- J. D. Power. "It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ 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.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.