- Best car insurance companies in Colorado
- Cheapest car insurance company in Colorado: GEICO
- Average cost of car insurance in Colorado
- Colorado car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Colorado
- Cheapest car insurance cost in Colorado by age
- Cheapest car insurance companies in Colorado by driver profile
- Compare auto insurance rates by city in Colorado
- Car insurance premium trends in Colorado
- Methodology
- Compare Colorado car insurance rates with other states
Best car insurance companies in Colorado
State Farm is the best car insurance company in Colorado, based on our 2025 analysis, with an overall rating of 4.40.
Below is a full list of the top Colorado insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 646 | 0.79 | $1,950 | 4.4 |
| GEICO | A++ | 618 | 0.69 | $1,445 | 4.35 |
| Auto-Owners | A+ | 659 | 0.54 | $2,874 | 4.3 |
| Progressive | A+ | 614 | 0.71 | $2,796 | 3.62 |
| Allstate | A+ | 633 | 1.1 | $2,774 | 3.52 |
| Farmers | A | 599 | 0.86 | $3,578 | 2.88 |
| USAA | A++ | 733 | 1.18 | $1,559 | 4.45 |
Cheapest car insurance company in Colorado: GEICO
We have gathered price quotes from all the major insurance providers in Colorado and put together a list of the cheapest car insurance companies. Based on our rate data, GEICO offers the cheapest full coverage car insurance in Colorado with average rates of $2,249 annually or $188 a month.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $274 | $440 | $2,249 |
| Kemper | $463 | $751 | $2,486 |
| Auto-Owners | $708 | $1,140 | $2,725 |
| Progressive | $444 | $746 | $3,045 |
| Southern Farm Bureau | $358 | $571 | $3,298 |
| Farmers | $726 | $1,502 | $3,615 |
| Allstate | $928 | $1,314 | $3,970 |
| Acuity Insurance | $495 | $970 | $4,214 |
| State Farm | $785 | $1,052 | $4,435 |
| USAA | $308 | $493 | $2,201 |
*USAA is only available to military members and their families
Average cost of car insurance in Colorado
The average car insurance rate in Colorado is $3,222 a year for a full coverage policy with a coverage level of 100/300/100, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Colorado is $547.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Colorado
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Burlington | $999 | $83 |
| Vernon | $995 | $83 |
| Livermore | $994 | $83 |
| Marvel | $991 | $83 |
| Mosca | $991 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Wiley | $1,000 | $83 |
| Canon City | $1,000 | $83 |
| Granada | $1,000 | $83 |
| Estes Park | $1,001 | $83 |
| Cope | $1,001 | $83 |
The Colorado Division of Insurance says...
On July 6, 2021, Governor Polis signed Senate Bill (SB) 21-169 into law, which protects Colorado consumers from insurance practices that result in unfair discrimination on the basis of race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identify, or gender expression. The legislation holds insurers accountable for testing their big data systems - including external consumer data and information sources, algorithms, and predictive models - to ensure they are not unfairly discriminating against consumers on the basis of a protected class. SB21-169 requires insurers to take corrective action to address any consumer harms that are discovered.
- The Colorado Division of InsuranceColorado car insurance requirements
In Colorado, you need a minimum of 25/50/25 liability car insurance coverage. Colorado’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $547 annually or $46 monthly.
Minimum liability insurance requirements for Colorado:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $15,000 per accident
Cheapest car insurance companies for minimum liability coverage in Colorado
According to Insurance.com data, GEICO provides the cheapest state minimum liability insurance, averaging $440 annually or $37 monthly.
Below is the list of Colorado's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $440 | $37 |
| Southern Farm Bureau | $571 | $48 |
| Progressive | $746 | $62 |
| Kemper | $751 | $63 |
| Acuity Insurance | $970 | $81 |
| State Farm | $1,052 | $88 |
| Auto-Owners | $1,140 | $95 |
| Allstate | $1,314 | $110 |
| Farmers | $1,502 | $125 |
| USAA | $493 | $41 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Colorado by age
In Colorado, as in all states, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Southern Farm Bureau offers the cheapest car insurance for a 16-year-old driver in Colorado at $7,350 per year.
Car insurance rates will decrease as teens get older and maintain a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Colorado, GEICO offers the cheapest car insurance for a 25-year-old driver and a 65-year-old driver at $2,516 per year and $1,903 per year, respectively. USAA offers cheaper rates but is available only to military veterans and their families.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Southern Farm Bureau | $7,350 | $613 |
| Auto-Owners | $9,081 | $757 |
| GEICO | $10,263 | $855 |
| USAA | $10,725 | $894 |
| Kemper | $11,391 | $949 |
| Allstate | $12,702 | $1,058 |
| State Farm | $13,797 | $1,150 |
| Progressive | $17,774 | $1,481 |
| Farmers | $23,162 | $1,930 |
| Acuity Insurance | $42,967 | $3,581 |
*USAA is available only to military members and their families
Cheapest car insurance companies in Colorado by driver profile
Accidents and tickets can negatively affect car insurance rates. Drivers who have accidents or tickets are considered a higher risk and will pay more.
The severity and frequency of the incidents will also play a role in the cost of insurance. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Colorado rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Auto-Owners | $2,725 | $3,781 | $3,109 |
| Kemper | $2,486 | $3,414 | $3,350 |
| GEICO | $2,249 | $3,934 | $3,839 |
| Progressive | $3,045 | $4,830 | $4,033 |
| Allstate | $3,970 | $5,655 | $4,293 |
| State Farm | $4,435 | $5,057 | $4,733 |
| Farmers | $3,615 | $5,557 | $6,114 |
| USAA | $2,201 | $3,200 | $2,740 |
*USAA is available only to military members and their families
Compare auto insurance rates by city in Colorado
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Colorado will impact what you pay. Below, we've gathered Colorado car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Aurora | $2,432 |
Boulder | $2,302 |
Castle Rock | $2,496 |
Colorado Springs | $2,349 |
Denver | $2,337 |
Evans | $2,366 |
Car insurance premium trends in Colorado
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Colorado to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Colorado car insurance rates with other states
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