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.

Compare Quotes
Explore offers from 100's of our trusted partners
Free. Secure. No Spam.
min read -
Published:
Written by Bob Phillips
On this page Open

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

Best Car Insurance, 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
4.9

Overall

A++

826

Yes

Instant Quote
Amica
4.8

Young Adults

A+

Not Rated

Yes

Instant Quote
Wawanesa
4.9

Budget Option

A+

843

Yes

Instant Quote
Chubb
4.7

New Cars

A++

Not Rated

Yes

Instant Quote
Allstate
4.7

Seniors

A++

816

Yes

Instant Quote
AAA
4.8

Driving Violations

A-

832

Yes

Instant Quote
GEICO
4.8

Minimum Coverage

A++

830

No

Instant Quote
Travelers
4.5

Full Coverage

A++

Not Rated

Yes

Instant Quote
Farmers
4.5

Families With Teens

A

813

Yes

Instant Quote
State Farm
4.9

Customer Service

A++

826

Yes

Instant Quote
Scroll to see comparisons

Best Car Insurance Companies In Colorado 2026


Best Overall

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Fair pricing
  • Many different coverage options available
  • Exceptionally good service to customers
Drawbacks
  • It's not the most cost-effective option.
  • Modest digital capabilities
  • Premiums climb after submitting claims.

Best For Minimum Coverage

Overall Rating
4.8

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

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

Benefits
  • Cheap insurance rates
  • High-performance internet conveniences
  • Prompt claims resolution
Drawbacks
  • Foundational insurance plans
  • Unpersonalized customer interactions
  • There are no local representatives.

Best For Full Coverage

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Extensive insurance policy options
  • You can benefit from accident forgiveness
  • Trade-in for a new car
Drawbacks
  • Enhanced insurance charges
  • Advanced policy proposals
  • Sluggish claim resolution

Best For New Cars

Overall Rating
4.7

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Insurance with predetermined value coverage
  • Exceptional claims resolution
  • Superior policy provisions
Drawbacks
  • Deluxe pricing
  • It's possible that the coverage is overly extensive.
  • Fewer chances to save money

Best For Seniors

Overall Rating
4.7

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Discounts crafted for seniors
  • We provide accident amnesty.
  • Full-featured mobile application
Drawbacks
  • Heightened premium expenses
  • Variable quality of service for customers
  • Policy decisions can be intricate and multifaceted.

Best For Driving Violations

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Clemency for initial accident
  • Reduced Rates for Defensive Driving
  • Unique policy offerings for drivers deemed high-risk.
Drawbacks
  • Augmented fees for breaches
  • Constrained insurance choices
  • Must be a member to proceed.

Best For Families With Teens

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
8/10 Coverage Level

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

Benefits
  • Deals for students who excel academically
  • Versatile insurance solutions
  • Academic resources tailored for teens
Drawbacks
  • Elevated possibility of paying more for insurance
  • Diverse customer service outcomes
  • Advanced policy setups

Best For Customer Service

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Economical rates
  • Broad spectrum of coverage options
  • Superior client service
Drawbacks
  • Not the least costly
  • Sparse digital equipment
  • Insurance costs increase after claims.

Best For Young Adults

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

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

Benefits
  • Value-driven pricing for millennials and Gen Z.
  • Superb client relations
  • Prompt claims settlement
Drawbacks
  • 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

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

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

Benefits
  • Best-value pricing
  • Resolute customer happiness
  • Transparent claims procedure
Drawbacks
  • 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.

1

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.

2

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.

3

Compare Quotes

Visit Insuranceopedia to gather quotes from several insurers and determine which one offers the most competitive rates and coverage.

4

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.

5

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.

324

Quotes Assessed

40+

Hours Of Research

15

Years Of Industry Experience

31

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

Having spent over fifteen years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds.
Read Full Bio
Go back to top