Best Car Insurance in Colorado (2024)

American Family, USAA, and State Farm are three of the best car insurance companies in Colorado.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated November 28, 2024

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Cheapest recent rates

Drivers have found policies from CSAA, Orion Indemnity Company, Kemper Economy, and more, for rates as low as $34/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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, 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.
9.1 /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.
$73/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.
$161/mo
4.5
Best choiceBased on 388 verified guest reviews and ratings
How drivers feel about American Family

Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.

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 responsive customer service and reliability but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (209)

Gene

November 25, 2024

Verified Review

Rates Keep Rising

Good service.

Jennifer

November 25, 2024

Verified Review

AmFam Car Insurance - Average

You can find similar coverage for lower rates elsewhere.

Stephanie

November 5, 2024

Verified Review

It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!

It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
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

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, American Family also has solid ratings for overall financial stability and customer satisfaction.

Pros
  • Several local insurance agents

  • A (Excellent) AM Best financial strength rating

  • Ample coverage options

Cons
  • One usage-based insurance option unavailable in Colorado

  • Fewer discounts than some competitors

  • Not the cheapest option available

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.
9.4 /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.
$45/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.
$99/mo
4.9
Best choiceBased on 1614 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

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

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (920)

Susan

November 25, 2024

Verified Review

New to USAA

I have had limited contact with USAA since I started working with them. I wish my car insurance and homeowners policy were less expensive. I drive less than 50 miles a week and feel I am paying too much.

Andrew

November 25, 2024

Verified Review

Great Insurance but Expensive

The customer service and claims process are outstanding.

Arnie

November 25, 2024

Verified Review

Ratings

I have been with them for 50 years.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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

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
  • Restrictive membership eligibility

  • 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
4.2
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.
$119/mo
4.2
Best choiceBased on 9074 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

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

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,989)

Mary

November 26, 2024

Verified Review

Life

It's just fine. However, like everything else, costs just keep going up. I'm looking for a way to save more as living paycheck to paycheck is not fun.

Robert

November 26, 2024

Verified Review

Claimed

State Farm helped me quickly when UPS totaled my motorcycle and paid it FAST.

Donald

November 26, 2024

Verified Review

No Bargains Here, Just Premium Increases

Way too expensive.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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

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 local agent network

  • Below-average number of NAIC customer complaints

  • High J.D. Power customer satisfaction ratings

Cons
  • Doesn’t sell accident forgiveness or gap insurance

  • Fewer discounts than some competitors

  • Can’t finalize car insurance quotes online

Nationwide: Best for usage-based insurance

User Reviews
4.4
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.
$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.
$182/mo
4.4
Best choiceBased on 786 verified guest reviews and ratings
How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

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 excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (442)

George

November 25, 2024

Verified Review

Not Appropriate

It was great, except for the significant increase in cost. This made it unaffordable.

Richard

November 7, 2024

Verified Review

Excellent Company

Nationwide appears to be an excellent company. I have recommended this company to several of my friends. My daughter and her husband have also taken out policies and are very satisfied with this company. Thank you.

Irene

November 4, 2024

Verified Review

Sorry to be leaving you, Nationwide.

I used Nationwide for 32 years. I understand that insurance prices are going up, however, due to my limited income, I can no longer afford to stay with Nationwide.
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
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 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 rates for standard policies than some competitors

  • Some negative customer reviews on Trustpilot

  • 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.
9.0 /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.
$119/mo
4.0
Best choiceBased on 10302 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,664)

Elijah

November 27, 2024

Verified Review

Disappointed

Although you may have a 6-month policy, your rates are subject to change monthly.

Vickie

November 27, 2024

Verified Review

Experience with Geico

I have been with Geico for quite a while and I believe if insurance can be cheaper, they should adjust their prices accordingly. Otherwise, I might consider switching to another company.

Douglas

November 26, 2024

Verified Review

Watch Out

Be careful. They increase the rates every six months.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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

Senior drivers in Colorado interested in cheap coverage from an established 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 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/c1eabd846f/rating.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4d61e9699f/loyalty.svg

    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 2023 U.S. Auto Claims Satisfaction Study and the 2024 U.S. Auto Insurance Study.[3] [4]

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    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 $95 per month for liability-only car insurance and $221 for full-coverage car insurance. These rates are similar to the national averages of $104 for liability only and $204 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 $2,220 in December 2023, according to Insurify data. The projected annual cost of full-coverage insurance by the end of 2024 is 28% higher, at $2,839 annually.

Find Cheap Car Insurance in Colorado

Liability quotes in Colorado start at $46/mo.

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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 $95 per month for liability coverage and $221 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
  3. J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
  4. J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
Jess Ullrich
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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

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