Best Car Insurance Companies in Colorado 2022 | Quotes, Discounts

Colorado is world-renowned for panoramic views and outdoor adventures like skiing, hiking, and camping. Your car, truck, or SUV makes it easy to get to your destination and enjoy the Centennial State's beauty. Before you venture out, make sure you have the right car insurance.

Colorado drivers often check just one or two of the most popular insurers and settle for less than the best. Insurify's lightning-fast technology can show you dozens of free car insurance quotes so you can find you the best policy for the price. Not ready to commit to a quote? Check out our car insurance estimator to see how much you should expect to pay.

Best Car Insurance Companies 2022

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

Nationwide, Liberty Mutual, and Progressive all show up on our list of top companies for Colorado auto insurance. However, don't be afraid to look at lesser-known brands - many can offer quality insurance with very competitive rates. It’s important to ask yourself, “how much car insurance do I need” before you start your search, but Insurify can help you select your desired coverage options. Find out the average car insurance cost for top companies here.

1

Nationwide

Nationwide is one of the largest insurers in the U.S. Its products include auto, home, life, pet, and umbrella insurance. No matter your insurance needs, Nationwide can be a one-stop shop when looking to protect yourself, your family, pets, and personal property.

Customers consistently give Nationwide a high rank for customer service and claims-handling satisfaction.

Top discounts that the company offers include:

• Multi-policy

• Safe driver

• Car accident-free

• Good student

• Defensive driving course

• Anti-theft device

• Automatic payment

• Organization (alumni, employers, professional and sports groups)

Next, we compare Nationwide's rates for several ages, with and without driving violations (like speeding or DUI), and average credit scores.

2

Safeco

Safeco insurance company offers cheap car insurance for Colorado drivers. It’s a good choice for teen drivers looking to save money and for good drivers who have safe habits. The company sells home, auto, motorcycle, boat, and watercraft insurance.

Safeco launched in 1923, and its parent company is Liberty Mutual. Safeco insurance is available through independent agents and can’t be bought directly from the insurer.

Top discounts from Safeco include:

• Multi-policy/bundling

• Multi-car

• Safe driver

• Accident prevention course

• Enrolling young drivers in Teen Safety Rewards program

• Anti-lock brakes

• Installing an anti-theft device in the vehicle

• Low annual mileage

• Homeowner

Here, we compare Safeco's national average rates for several ages, with and without driving violations or tickets, and average credit scores.

3

Liberty Mutual

Liberty Mutual is the fifth-largest property and casualty insurer in the U.S. It has a full suite of insurance products like auto, home, renters, life, pet, and business policies.

Liberty Mutual sells a specific auto insurance policy for teachers that includes vandalism, stolen teaching materials or school property, and collision insurance if using your vehicle for school business.

Top discounts that Liberty Mutual offers include:

• Homeowner

• Active, retired, or reserve member of the U.S. armed services

• Shopping with Liberty Mutual before your current auto policy expires

• Good student grades

• Driving an electric or hybrid car

• Safety devices like anti-theft devices, anti-lock brakes, and adaptive headlights

• Clean driving record

• Multiple cars

• Multi-policy/bundling

• Paying the entire premium up front

• Buying insurance online

• Opting for e-documents

• Affiliation with certain alumni, employers, or professional groups

• New customer

Liberty Mutual's prices range from $209 to $357, depending on the driver's age, driving record, credit history, and additional coverage purchased.

4

Travelers

Travelers is a prominent name in the insurance industry. You can get auto, renters, boat, travel, wedding, and umbrella insurance policies from the company. With Travelers, you receive a good balance of favorable rates, discount options, and reliability.

Top discounts that Travelers offers include:

• Multi-policy

• Multi-car

• New car

• Homeowner

• Safe driver

• E-payment

• No gaps in coverage

• Driving a hybrid or electric car

• Good student grades

• Student at college without a car

• Driver training

• Affiliation with certain alumni, employers, or professional groups

Travelers car insurance rates vary depending on driving experience, driving history, driving safety, and credit history.

5

State Auto

State Auto insurance company may not be as familiar as some other insurance brands, but it is noteworthy. Coverage includes property damage liability and bodily injury liability for excellent protection. Now owned by Liberty Mutual, State Auto offers a broad portfolio of insurance products from car and homeowners to business and farm insurance.

Top discounts that State Auto offers include:

• Multi-policy

• Multi-car

• Driver training

• Anti-theft device

• State Auto Safety 360

• Accident prevention training

• Good student grades

• Paying the entire premium up front

State Auto has competitive pricing depending on the driver's age, credit history, and driving record.

6

Sun Coast

Sun Coast is an A-rated insurer that sells car, boat, business, and workers’ compensation insurance. In business since 1980, the insurance provider has served more than half a million customers.

Top discounts that Sun Coast offers include:

• Multi-car

• Prior car insurance coverage

• Safe driver

• Shopping with Sun Coast before your current auto policy expires

• Homeowner

Overall, the average rates of car insurance with Sun Coast are notably lower than many competitors, so it's worth checking out if you are an experienced driver with a safe driving history.

7

Progressive

Progressive insurance company opened its doors in 1937 and is now the third-largest U.S. insurer. It continually receives high marks for customer service and claims handling. In addition, Progressive provides reasonable car insurance rates and a variety of discounts.

Top discounts that Progressive offers include:

• Multi-car

• Multi-policy

• Homeowner

• No gaps in insurance coverage

• Good student

• E-quote

• E-documents

• Automatic payment

• Paying the entire premium up front

• Buying online

Progressive's rates are competitive, even if you have a less-than-perfect driving record.

Average Monthly Cost of Car Insurance in Colorado

The cost of car insurance in Colorado can vary by more than $100, depending on where you live in the state. For example, Grand Junction, in the sparsely populated western part of the state, has lower rates than suburban Denver. Marital status, liability coverage options, and whether you have average or good credit also influence rates.

How to Determine the Best Car Insurance Company for Yourself

When shopping for the cheapest car insurance, using a car insurance marketplace is the best use of your time. It allows you to enter your personal details (age, location, driver’s license number, marital status) and then instantly gives you car insurance quotes from dozens of car insurance companies.

For example, you can compare identical coverage with Nationwide and Progressive simultaneously. Then, you can add options like roadside assistance to customize your plan and auto insurance quote to buy the policy online. You can compare quotes and choose your desired coverage options all in one place: Insurify.