Best Car Insurance in Colorado (2025)

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
  • 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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Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersSenior Editor
  • 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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Cheapest recent car insurance quotes in Colorado

Drivers in and around Colorado have found policies from Liberty Mutual with RightTrack®, Liberty Mutual, The General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on August 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on August 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 28, 2025. 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.
9.3 /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.
$98/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.
$143/mo
4.5
Best choiceBased on 485 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 (242)
Nella
Verified Review
Insurance Shopping
Reviewed in Georgia on August 2025
Very nice, but the auto insurance was double what I’m paying now.
George
Verified Review
American Family Horrible
Reviewed in Washington on August 2025
Horrible. 300% premium increase in 6 years. 60% last year. No claims with 10-year-old cars and no moving violations.
Dwayne
Verified Review
Paying too much for safe driving
Reviewed in Nevada on August 2025
I pay too much for my age and safe driving habits for the past 10 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
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

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.
9.1 /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.
$91/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.
$134/mo
4.9
Best choiceBased on 2,153 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 (1,215)
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
Randall
Verified Review
USAA not recommended
Reviewed in Texas on August 2025
I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
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

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
4.1
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.
$71/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.
$104/mo
4.1
Best choiceBased on 11,501 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 (6,120)
Lemuel
Verified Review
Too Much
Reviewed in Ohio on August 2025
They raise the premium constantly.
Scott
Verified Review
State Farm: Unbelievable Agent
Reviewed in Florida on August 2025
When my wife and I were in an accident in the Blue Ridge Mountains and were airlifted to a trauma center in Tennessee, I called my agent to report the accident while laying flat on my back. She told me I needed to call the corporate number. I explained that I was flat on my back with IVs in me, and she said, "Don't worry, I will take care of everything. Call me back when you are better." They handled everything for us. When we returned home and went to see them, it was unbelievable. They said, "Bring all your bills in, and we will handle it for you."
Julio
Verified Review
Claims!!!
Reviewed in North Carolina on August 2025
I had a bad experience with a claim because both parties used the same insurance company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
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

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
4.3
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.
$118/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.
$172/mo
4.3
Best choiceBased on 875 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 (489)
Connie
Verified Review
Not on your side!
Reviewed in Washington on August 2025
Very slow on service. Their rates are astronomical, almost $400 a month for one car.
Joseph
Verified Review
Rapid Rate Increases
Reviewed in Virginia on August 2025
Significant rate increases despite no claims or changes in risk profile.
Donna
Verified Review
Nationwide Mostly on Your Side
Reviewed in South Carolina on July 2025
Nationwide has been very good for everything except my budget.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
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
3.9
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.
9.2 /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.
$110/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
3.9
A solid optionBased on 12,148 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 (6,477)
Deanna
Verified Review
Finding Low Rates
Reviewed in Texas on August 2025
I went in looking to lower my rate with the same coverage. Geico had the lowest. The only other one was USAA, and they were the same.
Patrick
Verified Review
Easy, Quick, and Worth It
Reviewed in California on August 2025
Make sure all coverages are correct and then compare prices. Geico was the lowest.
James
Verified Review
GEICO is good, Safe Driving App is NOT
Reviewed in Texas on August 2025
The Safe Driving App does not accurately track driving, and I lost the discount because of it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
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

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 $96 per month for liability-only car insurance and $203 for full-coverage car insurance. These rates are similar to the national averages of $104 for liability only and $184 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 $71/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 $96 per month for liability coverage and $203 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.

Jess has been a contributor at Insurify since September 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • 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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