Car Insurance in Colorado
- Colorado Farm Bureau Mutual offers the cheapest liability and full coverage auto insurance in CO
- Compare the cheapest car insurance quotes in CO from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Colorado
The average cost of full coverage car insurance in Colorado is $1340Â for a six-month policy, which is 23% more expensive than the national average.[1] For drivers in Colorado seeking savings, Colorado Farm Bureau Mutual offers the most affordable quotes for both liability and full coverage.
Although 42% of Colorado residents feel they are overpaying for car insurance, many are willing to spend more for superior customer service and comprehensive coverage options.[2] For these individuals, starting with State Farm and American Family is our suggestion.
GEICO or Progressive are solid choices for those seeking a balance of value, price, and customer service.
- Colorado Farm Bureau Mutual offered the cheapest full insurance coverage in Colorado at $130/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Colorado ↓
- Colorado Farm Bureau Mutual offered the cheapest liability insurance in Colorado at $36/mo
- Read about the rest of the top and best companies in Colorado ↓
- As a highly-rated regional carrier, USAAÂ scored an 879 on J.D. Power's 2023 auto study.[3]Â If USAA isn't available to you, State Farm and American Family are also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Colorado ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Colorado to name State Farm as the best overall company for Colorado drivers.Â
- Read more about why we've ranked State Farm as a great fit for many Colorado ↓
Full coverage car insurance in CO
In 2024, the average cost of full coverage insurance in Colorado is $1340 for a 6-month policy. This type of coverage is a popular choice, with 60% of The Zebra's Colorado customers seeking full coverage car insurance.[2]
Although full coverage isn't as cheap as Colorado drivers may hope, residents looking for the most affordable options should begin their search with quotes from Colorado Farm Bureau or USAA.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau Mutual | $780 | $130 |
| USAA | $859 | $143 |
| American Family | $1,042 | $174 |
| GEICO | $1,226 | $204 |
| State Farm | $1,416 | $236 |
| Progressive | $1,500 | $250 |
| Allstate | $1,638 | $273 |
| Farmers | $1,779 | $296 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Look for these discount options
- Payment methods:Â Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
- Vehicle discounts:Â New vehicles, safety devices (consider telematics), anti-theft devices
Find the best coverage and price in Colorado with The Zebra.
What are the best car insurance companies in Colorado?
We named State Farm the best car insurance company in Colorado based on consumer reviews, third-party ratings (J.D. Power, Trustpilot, and AM Best), and details such as discount information and coverage options.[4]
Below are the pros and cons of State Farm, plus more of the best-rated companies in Colorado. We recommend getting multiple quotes to compare as you shop for the right insurance option.
State Farm is known for its excellent, localized service, ranking highly for customer service in Colorado and nationwide.[3] It may not be the cheapest option, but the insurer's strong financial stability confirms it can pay out claims reliably and sustain its operations over the long term. The high number of local agencies is also desirable for those looking to establish in-person relationships with their insurance agents.
-
Variety of insurance products and services
-
Numerous local agents
-
Many discount options
-
Good reputation and financial stability
-
May not be the cheapest
-
Some reports of slow claim resolution
Best car insurance in Colorado — honorable mentions
To determine the best companies, we compared J.D. Power Auto ratings and consumer reviews collected from nearly 3000 drivers across Colorado and the US.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau Mutual | $780 | $130 |
| USAA | $859 | $143 |
| American Family | $1,042 | $174 |
Source: The Zebra
How did we pick what company has the "Best Value" in Colorado?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Colorado
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap liability insurance in Colorado
The average cost for a 6-month liability insurance policy in Colorado is $351.[1] Based on our user profile, Colorado Farm Bureau, USAA, and GEICO provide the cheapest liability insurance options in the state.
Although the cost is considerably less expensive than full coverage, the coverage you get with liability is also less than you might want. The table below highlights monthly and 6-month liability insurance quotes from Colorado's leading insurance providers.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau Mutual | $216 | $36 |
| USAA | $234 | $39 |
| GEICO | $254 | $42 |
| Progressive | $320 | $53 |
| State Farm | $385 | $64 |
| American Family | $393 | $65 |
| Farmers | $512 | $85 |
| Allstate | $546 | $91 |
Source: The Zebra
Our data indicates that 40% of Colorado drivers opt for liability-only coverage for their vehicles. Colorado mandates minimum liability limits of 25/50/15, which means $25,000 per person and $50,000 per accident for bodily injury, along with $15,000 for property damage per accident. Refer to the detailed guidelines for a more comprehensive explanation of Colorado's car insurance limits and regulations.
Colorado's minimum liability limits are on par with those in other states, but that doesn't necessarily mean they're enough to cover a serious accident or one involving multiple vehicles. Unless you have a cheap car (with a value of under $4,000, generally), it's ideal to have full coverage so you can pay for your own vehicle damage; liability only pays for the other person's vehicle and injuries.
If you choose to carry only the state minimum, consider adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) to lessen your risk if you are involved in a traffic incident involving an uninsured driver. In large metro areas, such as Denver, the number of uninsured drivers can be high, and you don't want to be stuck with huge bills due to lack of coverage.
Beth Swanson, content specialist at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $199 | $788 |
| Colorado Farm Bureau Mutual | $222 | $803 |
| GEICO | $222 | $1,082 |
| State Farm | $242 | $777 |
| Progressive | $343 | $1,475 |
| American Family | $349 | $893 |
| Allstate | $403 | $1,275 |
| Farmers | $416 | $1,292 |
Source: The Zebra
Cheap auto insurance for teens and young drivers in Colorado
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. This is why teens can expect to pay over 100% more than drivers in their 20s and nearly 200% more than drivers in their 30s.[1]Â
In Colorado, teen drivers pay especially high auto insurance costs: $4,542 every six months or $757 monthly — more than 70% more than the nationwide average. The best options for cheaper coverage for teen drivers are from Colorado Farm Bureau, American Family, and USAA.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau Mutual | $1,375 | $229 |
| American Family | $2,139 | $357 |
| USAA | $2,387 | $398 |
| GEICO | $3,528 | $588 |
| Allstate | $3,639 | $606 |
| State Farm | $4,768 | $795 |
| Progressive | $7,103 | $1,184 |
| Farmers | $7,736 | $1,289 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $8,028 | $1,338 |
| State Farm | $6,343 | $1,057 |
| GEICO | $5,031 | $839 |
| Allstate | $4,556 | $759 |
| USAA | $3,257 | $543 |
| American Family | $2,692 | $449 |
| Colorado Farm Bureau Mutual | $1,701 | $284 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
-
Take a Defensive Driving Course: Qualify for discounts and reduce accident risk.
-
Choose a Safe, Affordable Car: Opt for a car with good safety ratings and low repair costs.
-
Stay on a Parent's Policy: Save money and benefit from their insurance history.
Colorado auto insurance quotes after an accident or ticket
Finding affordable car insurance in Colorado after an accident can be challenging. Insurance companies assess your previous accidents and tickets to determine the liability risk you present as a customer. An at-fault accident could raise your car insurance premiums to $4,027 annually.
Below is a breakdown of how much top insurance companies in Colorado might charge you following an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau Mutual | $944 | $157 |
| USAA | $1,204 | $201 |
| American Family | $1,397 | $233 |
| State Farm | $1,829 | $305 |
| GEICO | $2,156 | $359 |
| Allstate | $2,245 | $374 |
| Progressive | $2,293 | $382 |
| Farmers | $2,435 | $406 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
Ideally, you'll never need to use your insurance, but a smooth experience is vital if you do. In our 2024 Customer Satisfaction Survey, we assessed the experiences of those who filed claims. USAA stood out as a top choice, making it worth considering if you're a military member in Colorado. If you aren't eligible for USAA, American Family and Allstate are also top contenders for claims satisfaction.[4]
In Colorado, a bad driving record can really make your insurance rates skyrocket. If you get a ticket, your premiums are likely to go up. How much they increase depends on the violation, your insurer's policies, and local insurance rules. That’s why tickets impact your rates differently across the country; the same violation here may result in a higher rate hike than in another state.
Source: The Zebra
The Zebra's guide to Colorado car insurance laws for high-risk drivers
Some of the violations above, such as a DUI or driving without insurance, can lead to more complicated insurance implications. Below are more details about Colorado car insurance laws and regulations. Check out our guide for additional information about car insurance requirements in the state of Colorado
Colorado DUI laws
In Colorado, a DUI violation can boost your annual car insurance cost by an average of $663. Finding affordable auto coverage after a DUI isn’t simple. In fact, a DUI conviction often causes a larger premium increase than any other road violation — more than an at-fault accident, racing, or reckless driving.
Â
Low-cost car insurance after a DUI in Colorado
If you're convicted of a DUI violation in Colorado, it’s important to consider your insurance choices carefully. Car insurance premiums after a DUI can vary substantially from one carrier to another. For example, the least expensive car insurance company with a DUI in CO, Colorado Farm Bureau, has rates of 60% less than the statewide average insurance rate with a DUI. State Farm is the second-cheapest insurer for auto insurance after a DUI in Colorado, while the priciest company is GEICO, with prices around $4,800 (the state average after a DUI).
Updating data...
| Company | Avg. Annual Premium |
|---|---|
| Colorado Farm Bureau Mutual | $1,920 |
| State Farm | $2,430 |
| American Family | $2,651 |
| Progressive | $3,092 |
| Farmers | $3,262 |
| USAA | $3,411 |
| Allstate | $3,885 |
| GEICO | $4,796 |
Source: The Zebra
No single car insurer offers consistently affordable rates for DUI-related insurance. The best way to save after a DUI citation is by shopping around.
You can compare and purchase car insurance online or consult an insurance agent to explore your options and find a budget-friendly policy.
Learn more about car insurance and how DUI infractions impact rates.
Colorado SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy but a form issued by your insurance company with the state of Colorado to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Colorado might be tricky, but some research could ultimately pay off.
Â
How to get an SR-22 in Colorado
An SR-22 is often required for drivers with serious violations on their driving record, most often related to drinking and driving offenses. The SR-22 is a form issued by your insurance company that must be filed with the state of Colorado as proof of continued insurance coverage. Below, you'll find the steps to getting this coverage.Â
Already insured
With an active insurance policy, requesting an SR-22 might be easy. Call your insurance company and request they file an SR-22 request on your behalf. If your current insurer declines to request a certificate, you should shop around for a new insurance company.
Â
Currently uninsured?
When filing for car insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from buying insurance from some carriers, while others would happily sell you a policy.
Â
For drivers without a vehicle
Not having a vehicle makes it more challenging to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, you should buy a non-owner car insurance policy before filing for an SR-22. A non-owner policy is typically less expensive than a standard policy since it won’t protect physical damage sustained by your vehicle.
Find an affordable policy in Colorado in minutes!
How have car insurance costs in Colorado changed?
The cost of car insurance in Colorado has experienced notable shifts over the past ten years, indicating a volatile market. In 2024, the average yearly premium peaked at $2,204, marking a $247 rise from the prior year. While this reflects a general upward trend, rates have fluctuated, increasing and decreasing every other year or so.These variations underscore the influence of regulatory changes, economic factors, and market forces on insurance pricing in Colorado and nationwide.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $2,204 | $247 |
| 2023 | $1,957 | -$219 |
| 2022 | $2,176 | $489 |
| 2021 | $1,687 | -$36 |
| 2020 | $1,698 | $288 |
| 2019 | $1,764 | -$29 |
| 2018 | $1,700 | $46 |
| 2017 | $1,736 | $176 |
| 2016 | $1,448 | $17 |
| 2015 | $1,477 | $48 |
Find your best value insurance match with The Zebra.
Car insurance in popular Colorado cities
Where you live in Colorado can significantly impact your car insurance costs. Given the increased number of drivers and claims, rates tend to be higher in bigger cities like Denver or Colorado Springs.
This is equally true if you live in areas more susceptible to hail or wildfire. According to the Insurance Information Insitute, Colorado ranks in the top five states for the most hail claims.[5]Â The effects of Colorado wildfires aren't limited strictly to homeowners' claims, either, with insureds' total losses in the millions for each major fire event in the past few years.[6]Â Comprehensive coverage protects vehicles against fire and flooding; insurance companies view these areas as potentially risky.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Fort Collins | $1,178 | $196 |
| Lakewood | $1,418 | $236 |
| Colorado Springs | $1,470 | $245 |
| Denver | $1,490 | $248 |
| Aurora | $1,536 | $256 |
Source: The Zebra
If your rates are increasing more rapidly than the state average, comparing quotes and finding a more competitive deal is a good idea. The Zebra’s car insurance comparison tool provides personalized quotes based on your unique profile — simply enter your ZIP code below to begin.
Colorado car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding Colorado auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
Facts + Statistics: Hail. Insurance Information Insitute
Colorado Wildfire Information. RMIIA
RECENT QUESTIONS ABOUT CAR INSURANCE IN CO
Other people are also asking...
Do I need to change my policy when I rent out my home?
Is it possible to get loss assessment coverage on a HO-3 policy?
Does the state offer a grace period for car insurance?
Where do I insure a car if I have two addresses?
Learn more about car insurance in Colorado:
- Auto Insurance for High-Risk Drivers in Colorado
- Car Insurance in Aurora, CO
- Car Insurance in Boulder, CO
- Car Insurance with a DUI in Colorado
- Temporary Car Insurance in Colorado
- Centennial, CO Car Insurance
- Car Insurance in Colorado Springs, CO
- Average Cost of Auto Insurance in Colorado
- Car Insurance in Pueblo, CO
- Car Insurance in Denver, CO
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.