- Be sure to wear a seat belt – auto accidents are a leading cause of death in Colorado.
- In 2017, Colorado drivers paid an average total of $1,050.19 in insurance premiums, which is slightly higher than the national average.
- When purchasing car insurance in Colorado, you’ll need at least the state’s minimum-required bodily injury liability and property damage liability coverage.
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The Centennial State can be a scenic place to drive, but first, you need to make sure you have the proper car insurance in Colorado. In this article, we ’ ll recommend the top insurance providers for Colorado drivers based on affordability, coverage, and customer service. We ’ ll besides explain important Colorado car policy data such as minimum policy requirements and how much you should expect to pay for coverage .
Our review team has taken a close look at several of the best car insurance companies in the industry. Using our previous research as a guide, we ’ ve created a top-provider list specifically tailored to Colorado drivers. While our recommendations offer some of the lowest car insurance rates in the department of state, individual prices may vary. One manner to find the cheapest colorado car insurance is to compare quotes yourself, which you can do well using the instrument below .
top Colorado Car Insurance Providers
While many car indemnity providers are available in every state, coverage, customer service, and pricing can vary from place to place. To determine which companies offer the best car indemnity in Colorado, we not entirely considered national reputation, but besides local service scores and costs. See our list of the best colorado car indemnity providers and find information about each recommended insurance company below .
|Best Colorado Car Insurance||Overall Rating||Coverage||Affordability|
|2. American Family Insurance||87%||95%||90%|
|4. The Hartford||91%||95%||90%|
*Overall Ratings typify our team ’ s evaluation of car insurance companies nationwide, while the order of providers in the mesa reflects recommendations specifically in Colorado. For this reason, you may see some providers listed above others with higher overall Ratings .
# 1 GEICO : Best overall
GEICO is among the best-known insurers in the state for a reason, and this is not alone because of its memorable advertisements. GEICO offers low-cost policies that make the supplier a smart decision for most drivers .
For Colorado drivers, GEICO is specially well-regarded. In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM for the Southwest region ( which includes Arizona, Colorado, Nevada, New Mexico, and Utah ), GEICO tied for first base place with an overall grade of 834 out of 1,000 points .
In addition to standard Colorado car insurance, GEICO customers can besides purchase mechanical breakdown indemnity ( MBI ). MBI policies help pay for expensive mechanical repairs after your car ’ s original guarantee expires .
GEICO has an A+ rat from the Better Business Bureau ( BBB ) and an A++ fiscal persuasiveness evaluation from AM Best. If you want to learn more, you can check out our wide GEICO car insurance review .
# 2 american Family policy : Best Local Service
American Family Insurance is a regional provider available to drivers in 17 states, including Colorado. It tied with GEICO for first place in the J.D. Power Satisfaction Study for the Southwest region, with 834 out of 1,000 points .
When it comes to other industry benchmarks, American Family is not quite as highly rated as GEICO, but it comes close. The company has an A fiscal potency rating from AM Best and an deoxyadenosine monophosphate rate from the BBB. It ’ s not unusual for regional insurers to have slenderly lower fiscal strengths than national corporations, but American Family has stronger financials than many other minor providers and a firm customer base in Colorado .
Drivers can find all standard types of car policy with American Family, deoxyadenosine monophosphate well as peculiarity coverage for motorcycles and recreational vehicles .
# 3 USAA : Best for Military Families
USAA scored the highest of any car insurance provider in the J.D. Power Satisfaction Study for the Southwest area. In fact, USAA systematically scored the highest in most regions surveyed but is not eligible for ball ranking because it is not available to every driver .
USAA insurance is only available to military members and their immediate families. For those who do qualify, USAA is often the best choice for drivers in any state. It has an A++ fiscal forte evaluation from AM Best and one of the best customer satisfaction reputations of any car insurance company .
USAA indemnity premiums are moo for members, and you can save even more if you ’ re able to take advantage of USAA ’ s many discounts. Drivers looking for car policy in Colorado should look for :
- Family discount
- Loyalty discount
- Safe driving discount
- New vehicle discount
- Multi-vehicle discount
- Good student discount
- Vehicle storage discount
- Annual mileage discount
- Driving courses discount
- Military installation discount
Learn more about this insurance company by reading our full USAA car policy review .
# 4 The Hartford : Best for Seniors in Colorado
The Hartford specializes in car policy coverage for older drivers. Those with AARP membership modify for special discounted coverage from The Hartford. If you are old adequate ( at least 50 years of senesce ), AARP membership fees are very low, and the money you ’ ll deliver on an insurance policy can well justify the cost .
Ways to save on Colorado car insurance with The Hartford include :
- Rate protection
- Anti-theft discount
- Pay-in-full discount
- Good student discounts
- Driver training discounts
- Disappearing deductible
- Defensive driver discount
- First accident forgiveness
- $100 deductible reduction at authorized repair shops
Policies with The Hartford are cheap, and the ship’s company has a strong reputation for quality customer service in Colorado. In the J.D. Power Satisfaction Study for the Southwest region, The Hartford placed one-fourth with a score of 829 out of 1,000 .
In accession to the criterion types of car insurance, The Hartford sells classical car policy, RV indemnity, and commercial car indemnity in Colorado .
# 5 Allstate : excellent local Agents
Allstate ranked one-third in the J.D. Power Satisfaction Study for the Southwest area, scoring 830 out of 1,000 points. It is no surprise that Allstate ranks eminent for customer military service in Colorado, as the provider works through a network of local agents to provide coverage. This means an agent familiar with Colorado roads and driving requirements can help pair you with the ideal car policy policy.
Read more: Best car insurance companies for 2022
While Allstate does not offer the lapp count of discount opportunities as some of the other providers on our number, it does offer the follow cost-reduction perks :
- New car discount
- Teen driver discount
- Multi-policy discount
Allstate has a solid national reputation and solid fiscal backing. The insurance company has an A+ rat from the BBB and an A+ fiscal force rating from AM Best .
Colorado Car insurance Requirements
car indemnity is required in Colorado. For minimal coverage, drivers must purchase 25/50/15 liability policy, which includes the follow coverage :
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $15,000 per accident property damage liability
It ’ randomness constantly a good idea to purchase extra coverage. State minimum requirements often don ’ triiodothyronine cover the bulk of the fiscal charge if a major accident does occur .
Colorado state agents regularly compare the database of register vehicles against a list of insure vehicles, so even if you are not involved in an accident, you can be flagged for not having the proper insurance. If you ’ rhenium catch driving without cable car insurance in Colorado, you may face the following penalties :
- License suspension
- Fines that increase up to $1,000
- Four points added to your license
- Up to 40 hours of community service
The inaugural time you are caught driving without car insurance in Colorado, the very well is $ 500 and your license is suspended until you pay a $ 40 fee. far infractions result in a fine of $ 1,000 and a license suspension of up to eight months .
Fines aren ’ t the only reason you should maintain car insurance coverage. While the limits mentioned above are the legally required minimums, all drivers should consider full coverage car policy .
A full coverage car policy will help pay for the monetary value of repairs to your fomite no topic the type of incident or who was at defect. It ’ s typically recommended that drivers have comprehensive and collision coverage, uninsured motorist/underinsured motorist coverage, and medical payments coverage in addition to liability coverage .
price of Car Insurance in Colorado
According to a 2020 report issued by the National Association of Insurance Commissioners ( NAIC ), Colorado drivers paid the follow average car policy agio costs in 2017 :
- Liability: $639.99
- Collision: $326.39
- Comprehensive: $228.32
- Total average expenditure: $1,050.19
These numbers are slightly higher than national averages, but not by much. The average total agio across all states in 2017 was $ 1,004.68, according to the same report .
There are a few factors that affect the overall price of cable car policy, like your drive phonograph record, credit score, age, location, and more .
Colorado Car Insurance Alternatives
If you have over 25 vehicles registered to your name, you can register with the department of state as a self-insurer. To do so, you must apply for a certificate of self-insurance from the Colorado submit indemnity commissioner .
Colorado Driving Habits
Like many states, car accidents are one of the go causes of end in Colorado. According to the Colorado Department of Transportation, the numeral of deaths from drive vehicle accidents has risen steadily since 2011 .
Data from the U.S. Department of Transportation indicates that there were 11.1 deaths per 100,000 people in Colorado in 2018. This is about the lapp as the national modal of 11.2 .
That same year, Colorado drivers traveled a full of 53,954,000,000 miles, an average of 12,711 miles per licensed driver .
Depending on where you are in the state of Colorado, drivers may experience harsh winter force conditions. In addition to obeying speed limits and wearing a seat belt, make indisputable your vehicle is by rights outfitted for road conditions and that you adjust your driving behavior consequently .
conclusion : colorado Car insurance
cable car indemnity in Colorado costs slenderly more than it does in some other states. however, this doesn ’ thymine mean it ’ s impossible to find bum car insurance in Colorado. We recommend Colorado drivers look into policies from these circus tent providers :
- #1 GEICO
- #2 American Family Insurance
- #3 USAA
- #4 The Hartford
- #5 Allstate
- #6 State Farm
These companies have excellent reputations among Colorado drivers and offer low-cost policies. The best way to find the cheapest car indemnity supplier for you is to shop around and compare quotes. Your placement, age, gender, marital status, and driving history can all impact your car policy rates. Use the tool below to find free Colorado cable car insurance quotes promptly from several of our top-rated providers .
Our expert reappraisal team takes satisfaction in providing accurate and indifferent information. We identified the following evaluation categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers .
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.