The best car insurance in Colorado comes from Auto-Owners, according to Jerry’s editorial analysis. The company has high financial strength ratings and few complaints to state regulators. Here’s the rundown of the rest of the best insurers in the state.
If you need cheap car insurance in Colorado, be sure to compare quotes from multiple insurers to get the best rate.
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
These are the best companies for full coverage in Colorado.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Assurance America | $175 |
| Mercury | $227 |
| Aspire Advantage | $241 |
| Safeco | $255 |
| Gainsco | $259 |
Best car insurance for teen drivers in Colorado
These are the best car insurance rates for teen drivers in Colorado, based on real policy quotes for Jerry customers ages 16 to 19.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Dairyland | $218 |
| Mendota | $268 |
| The General | $295 |
| Root | $306 |
| Kemper | $416 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Colorado
Here is the best car insurance for drivers under 25 in Colorado based on quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Commonwealth Insurance | $168 |
| Anchor General | $179 |
| Safeco | $183 |
| Mendota | $211 |
| Progressive | $271 |
Learn more: Car insurance for college students
Best car insurance for seniors in Colorado
Here are the best car insurance rates for drivers over 65 in Colorado.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $141 |
| The General | $146 |
| Mendota | $149 |
| Bristol West | $154 |
| Dairyland | $166 |
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.
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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
