Jerry SummaryAuto-Owners offers the best car insurance in Colorado, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Geico comes in second place, while CSAA Insurance Group earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Colorado by comparing quotes from multiple insurance companies.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Colorado. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Colorado:
- Auto-Owners: Best car insurance overall.
- Geico: Runner-up.
- CSAA Insurance Group: Honorable mention.
If you need cheap car insurance in Colorado, be sure to compare quotes from multiple insurers to get the best rate.
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Why you can trust Jerry’s editorial content
Best car insurance in Colorado overall: Auto-Owners
Why it’s the best: Auto-Owners has 4.9 stars due to its superior financial strength rating and few customer complaints. Auto-Owners also ranks No. 2 out of 13 insurers for overall customer satisfaction in the Southwest region, according to J.D. Power’s 2024 Auto Insurance Study.
Auto-Owners offers some unique perks. For example, customers may have their collision deductible waived if they’re in an accident with another vehicle also covered by Auto-Owners. And if you insure your home and car under one policy, and both are damaged in a covered event, you may only pay one deductible, or have your auto deductible waived entirely.
Colorado drivers may be able to customize their Auto-Owners policies by adding roadside assistance, gap insurance, new car replacement coverage, rental car coverage and at-fault accident forgiveness. Discounts may be available for bundling policies, paying your premium in full, paying on time for three years, going paperless, having a qualifying Auto-Owners life insurance policy, getting a quote before the date you need coverage to start, insuring a vehicle with certain safety features and having a clean driving record and no recent claims.
Students may be eligible for a discount if they have a B average or higher, or are more than 100 miles away at school and don’t have a vehicle. Teen drivers can qualify for a discount if they drive a car with a permanently installed GPS, or have an eligible app on their phone that tracks their driving.
You can get a quote through an independent insurance agent, which you can find online via Auto-Owners’s agency locator portal.
Runner-up: Geico
Why it’s the best: Geico has a 5.0 Jerry star rating due to its superior financial strength rating and few customer complaints, but the company scored below average in J.D. Power’s 2024 Southwest Auto Insurance Study, making it our pick for runner-up.
Colorado drivers can get discounts for bundling policies, having a clean driving record and insuring a full-time student with a B average or higher. If they enroll in Geico’s telematics program, DriveEasy, they may also get a discount by practicing safe driving habits.
Geico’s highly-rated mobile app lets customers manage their policy, view ID cards, file and track claims, request roadside assistance, estimate vehicle repair costs and get a quote. You can also get a quote on Geico’s website. If you live in Colorado Springs or Denver, you can buy an auto policy in person from a Geico insurance agent.
More of the best Colorado insurers
Below are more of the best car insurance companies in Colorado.
Honorable mention: CSAA Insurance Group
While not yet rated by Jerry, CSAA Insurance Group was ranked No. 1 out of 13 insurers for overall customer satisfaction in the Southwest region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Colorado drivers may get discounts for bundling policies, paying their premium in full, being a safe driver, driving a new or hybrid vehicle, being a loyal customer, taking a qualifying driving course or insuring a vehicle with certain safety features. You may also save if you insure a student with good grades, or one who is away at school.
CSAA Insurance Group operates under the AAA brand, and you must purchase a membership along with your auto policy. The membership includes roadside assistance, which covers towing, lockout assistance and flat tires. Members also receive discounts for things like travel, restaurants, events and shopping.
Best full coverage car insurance in Colorado
Embark General offers the best full coverage car insurance rates in Colorado, according to Jerry’s data analysis, with an average cost of $125 per month.
Here are more companies that offer some of the best full coverage car insurance rates.
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Insurance Company
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Avg Monthly Quote
|
|---|---|
| Embark General | $99 |
| Assurance America | $162 |
| First Acceptance | $178 |
| Safeco | $229 |
| The General | $238 |
Choosing the best full coverage car insurance often comes down to the insurance company itself. Beyond just the policy details, consider how reliable and supportive the insurer is when you need them most. Companies with strong customer service, efficient claims processes and positive reviews from drivers are the best choice. Be sure to research customer experiences and read car insurance reviews to help you feel confident in the company you go with.
Best car insurance for teen drivers in Colorado
The General offers the best car insurance rates for teen drivers in Colorado, according to Jerry’s data analysis, with an average cost of $255 per month.
Here are more companies that offer some of the best car insurance rates for teens.
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Insurance Company
|
Avg Monthly Quote
|
|---|---|
| The General | $259 |
| ROOT | $275 |
| Geico | $299 |
| Dairyland | $431 |
| Trexis | $434 |
Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers. Many insurers provide discounts for students with good grades, finish driver education programs or allow their driving behavior to be tracked through telematics programs. Selecting a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Colorado
Embark General offers the best car insurance rates for young drivers in Colorado, according to Jerry’s data analysis, with an average cost of $146 per month.
Here are more companies that offer some of the best car insurance rates for young drivers under 25.
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Insurance Company
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Avg Monthly Quote
|
|---|---|
| The General | $206 |
| ROOT | $230 |
| Geico | $252 |
| Safeco | $263 |
| Bristol West | $327 |
The best car insurance for young drivers under 25 is often one that rewards safe driving, since young drivers are viewed as risky to insure. Insurance companies may offer reduced rates for maintaining a spotless driving record, taking an approved driving course or agreeing to have their driving monitored through a telematics program.
Learn more: Car insurance for college students
Best car insurance for seniors in Colorado
Mercury offers the best car insurance rates for drivers over 65 in Colorado, with an average cost of $115 per month, according to Jerry’s data analysis.
Here are more companies that offer some of the best car insurance rates for drivers over 65.
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Insurance Company
|
Avg Monthly Quote
|
|---|---|
| The General | $115 |
| Bristol West | $128 |
| Progressive | $135 |
| Geico | $142 |
| National General | $148 |
For drivers over 65, the best car insurance is one that matches their lifestyle. Seniors who spend less time on the road may benefit from pay-per-mile insurance, which bases premiums on how much you actually drive and can be more cost-effective for low-mileage drivers. Additionally, completing a defensive driving course can help improve skills behind the wheel and may result in a discount.
Learn more: Car insurance for seniors
How to get the best car insurance in Colorado
Follow these tips to find the best car insurance in Colorado:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
FAQ
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What is the best car insurance in Colorado?
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Who has the best car insurance rates in Colorado?
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How do you find the best car insurance in Colorado?
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
