Best Car Insurance In Colorado
State Farm is highly recommended for comprehensive car insurance coverage in Colorado.
We’ve saved shoppers an average of $600 per year on their car insurance.
Whether you need a basic car insurance policy, full coverage for your new car, or insurance geared toward families or seniors, our picks for Colorado’s top car insurers have you covered. State Farm earns the top spot with its competitive prices, flexible options, and stellar customer satisfaction.
GEICO offers great value for minimum coverage, and Travelers provides extensive full coverage plans with accident forgiveness. This guide, informed by my 15 years in the industry and five years in Colorado, is here to help you make the right choice.
Best Car Insurance Companies In Colorado, 2026
Compare The Best Car Insurance In Colorado
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Colorado 2026
Best Overall
Key Statistics
Why We Like Them
⇅Combining affordability and comprehensive coverage, State Farm has earned its reputation as California’s top car insurer. Drivers enjoy cost-saving discounts for safe driving, multiple cars, and safety equipment. The company’s commitment to customer satisfaction is evident in their high ratings, while their knowledgeable local agents offer personalized assistance, building trust and peace of mind for their clients.
Benefits & Drawbacks
⇅- Fair pricing
- Many different coverage options available
- Exceptionally good service to customers ✓
- It's not the most cost-effective option.
- Modest digital capabilities
- Premiums climb after submitting claims. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅GEICO has earned its reputation as California’s best provider for minimum coverage car insurance by offering some of the lowest rates available. Drivers seeking affordable solutions to meet legal requirements can rely on GEICO’s streamlined digital tools, which make policy management and claims filing a breeze.
Benefits & Drawbacks
⇅- Cheap insurance rates
- High-performance internet conveniences
- Prompt claims resolution ✓
- Foundational insurance plans
- Unpersonalized customer interactions
- There are no local representatives. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Known for its comprehensive full coverage policies, Travelers is a favorite car insurance company in California. Their plans include collision and theft protection, making them ideal for covering a wide range of incidents. Additional features, such as accident forgiveness and gap coverage, provide further peace of mind, especially in a state with expensive vehicles and repairs. Travelers’ financial strength and excellent support make them a trusted choice.
Benefits & Drawbacks
⇅- Extensive insurance policy options
- You can benefit from accident forgiveness
- Trade-in for a new car ✓
- Enhanced insurance charges
- Advanced policy proposals
- Sluggish claim resolution ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅Chubb has earned its reputation as the best auto insurer for new car owners in California, with standout features like agreed value coverage. This ensures that, in the case of a total loss, policyholders are compensated the full insured amount without depreciation—an essential benefit for new cars. High-end services like rental reimbursement, key replacement, and repair shop flexibility add further value. With Chubb’s strong customer service and efficient claims process, protecting your new car is both comprehensive and convenient.
Benefits & Drawbacks
⇅- Insurance with predetermined value coverage
- Exceptional claims resolution
- Superior policy provisions ✓
- Deluxe pricing
- It's possible that the coverage is overly extensive.
- Fewer chances to save money ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Allstate is a top choice for senior drivers in California, offering discounts and features that cater to their needs. Their policies include accident forgiveness, senior-specific discounts, and new car replacement options. Allstate also supports safe driving with rewards and low-mileage discounts, complemented by accessible online tools and exceptional customer care for a stress-free experience.
Benefits & Drawbacks
⇅- Discounts crafted for seniors
- We provide accident amnesty.
- Full-featured mobile application ✓
- Heightened premium expenses
- Variable quality of service for customers
- Policy decisions can be intricate and multifaceted. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅AAA is highly recommended for drivers with violations in California due to its focus on rehabilitation and affordability. Their accident forgiveness program protects against premium hikes after a first at-fault accident, and discounts for safe driving courses make long-term improvement achievable.
Benefits & Drawbacks
⇅- Clemency for initial accident
- Reduced Rates for Defensive Driving
- Unique policy offerings for drivers deemed high-risk. ✓
- Augmented fees for breaches
- Constrained insurance choices
- Must be a member to proceed. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Families in California with teen drivers will appreciate Farmers Insurance’s focus on affordability and flexibility. Good student discounts and safe driver programs make it easier to secure affordable coverage for young drivers.
Benefits & Drawbacks
⇅- Deals for students who excel academically
- Versatile insurance solutions
- Academic resources tailored for teens ✓
- Elevated possibility of paying more for insurance
- Diverse customer service outcomes
- Advanced policy setups ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅California drivers turn to State Farm for its unmatched customer service. A vast network of agents delivers customized support, and their streamlined claims process ensures quick and compassionate assistance when it’s needed most.
Benefits & Drawbacks
⇅- Economical rates
- Broad spectrum of coverage options
- Superior client service ✓
- Not the least costly
- Sparse digital equipment
- Insurance costs increase after claims. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅Amica excels in providing car insurance for young adults in California, offering low rates and discounts for students and safe drivers. Their focus on affordability and service makes them a reliable option for younger drivers.
Benefits & Drawbacks
⇅- Value-driven pricing for millennials and Gen Z.
- Superb client relations
- Prompt claims settlement ✓
- Small number of physical spots
- Fewer alternatives for high-risk coverage.
- No discounts apply based on how often you use it. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Budget-conscious Californians can rely on Wawanesa for low-cost car insurance with dependable service. Their competitive rates, easy claims process, and commitment to transparency make them a trusted option.
Benefits & Drawbacks
⇅- Best-value pricing
- Resolute customer happiness
- Transparent claims procedure ✓
- Constrained insurance selections
- There are fewer discounts to choose from.
- Restrictions dependent on region ✘
How To Find The Best Car Insurance
Choosing car insurance in Colodaro means looking beyond the basics and finding a plan that suits your situation. Start by checking the minimum liability coverage required by your state to remain legally compliant. Then, consider whether your car’s value and driving habits call for coverage that exceeds these minimums.
If you’re financing or leasing your vehicle, your lender may require you to include comprehensive and collision coverage. Additional policies like uninsured motorist or personal injury protection might be necessary if you live in a high-risk area. Comparing quotes from multiple insurers can save you money while ensuring solid coverage.
Average Cost Of Car Insurance In Colorado
According to estimates by Quadrant Information Services, Coloradoans pay an average of $247 per month or $2,974 annually for full car insurance coverage. Nationally, the average cost is $205 monthly or $2,460 annually.
| COMPANY | FULL COVERAGE |
| State Farm | $1,952 |
| Allstate | $2,776 |
| Progressive | $2,798 |
| GEICO | $1,447 |
| Kemper | $1,880 |
Average Car Insurance Rates In Colorado – By City
| City | Average Premium |
| Colorado Springs | $2,028 |
| Fort Collins | $1,440 |
| Denver | $2,016 |
| Arvada | $1,740 |
| Grand Junction | $1,320 |
| Lakewood | $1,680 |
| Pueblo | $1,872 |
| Aurora | $2,160 |
| Cope | $2,732 |
| Anton | $2,700 |
Average Car Insurance Rates In Colorado – By Age
| Age | Average full coverage rate | Average minimum coverage rate |
|
16
|
$6,406
|
$1,546
|
|
18
|
$9,194
|
$2,246
|
|
20
|
$6,724
|
$1,476
|
|
25
|
$3,811
|
$752
|
|
30
|
$3,250
|
$607
|
|
40
|
$3,000
|
$568
|
|
50
|
$2,798
|
$542
|
|
60
|
$2,668
|
$535
|
|
70
|
$2,879
|
$632
|
Minimum Car Insurance Requirements In Colorado
All Colorado drivers must carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 in property damage coverage to meet the state’s minimum insurance requirements.
How To Buy Car Insurance In Colorado
Adopt these five steps to secure the ideal car insurance in California that matches your needs.
Assess Your Coverage Needs
Start by examining your vehicle’s value, driving habits, and finances to determine your insurance needs. Consider whether you require only minimum liability or should invest in collision and comprehensive coverage.
Research Potential Insurers
Research different car insurance providers in California to evaluate their customer service, claims processing, and financial stability. Utilize online reviews, ratings from independent agencies such as J.D. Power, and feedback from current and former clients to judge each insurer’s reliability.
Gather Necessary Information
Prepare by gathering important information like your driver’s license number, vehicle registration, driving record, and any relevant documents that could impact your quotes. This will simplify the process and ensure you receive accurate pricing.
Compare Quotes
Visit Insuranceopedia to gather quotes from several insurers and determine which one offers the most competitive rates and coverage.
Purchase the Policy
Once you’ve chosen the insurer that provides the best coverage at a competitive price, go ahead and buy the policy. Nowadays, most insurers allow you to do this online or by phone, making it convenient to secure immediate coverage. After purchasing, remember to print your insurance cards and any other required documents.
Our Methodology
Ensuring accurate and reliable insurance company ratings is our priority, guided by a thorough methodology. We assess multiple insurers, gathering insights from diverse reputable review platforms. Critical metrics from industry leaders like A.M. Best and J.D. Power further inform our evaluations. With 15 years of experience as an insurance agent, including significant time in Colorado, I contribute firsthand expertise to enhance our analysis. This meticulous approach, integrating data from credible review sources, ensures our ratings are trustworthy, empowering your insurance decision-making process.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
According to our analysis, State Farm and Wawanesa are Colorado’s leading choices for car insurance.
How much car insurance do I need?
The quantity of car insurance necessary is contingent upon factors such as Colorado’s minimum requirements, your vehicle’s value, and your financial circumstances. Assess liability, collision, and comprehensive coverage for adequate protection.
Why is car insurance so expensive?
The cost of car insurance can be steep because of factors like the coverage amount you choose, your driving record, the type of vehicle you drive, your location, and external factors such as inflation and rising repair costs.
About Bob Phillips
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