Colorado's Top Auto Insurance Companies: Best 10 Rated

Colorado drivers are spoilt for choice when it comes to auto insurance companies, with a range of national and regional providers to choose from. The best auto insurance company for you will depend on your individual needs and circumstances, but here are the top ten auto insurance companies in Colorado based on user ratings, affordability, customer satisfaction, and the number of complaints:

1. The General

2. GAINSCO

3. Direct Auto

4. National General Insurance

5. Esurance

6. American Family Insurance

7. Nationwide Insurance

8. Farmers

9. State Farm

10. GEICO

Top 5 cheapest companies in Colorado

Geico

Geico is the cheapest insurer in Colorado, with an average annual rate of $1,109, or about $94 per month. They also have the lowest average rates for young adults, adults, and seniors. They offer reliable coverage and affordable rates for most drivers in the state. They also have a highly-rated mobile app and online portal for full-service policy management.

State Farm

State Farm has the best cheap car insurance in Colorado, with full coverage costing around $126 per month. They also have the cheapest rates for teen drivers, young drivers with a ticket or accident, and drivers with poor credit. They have hundreds of exclusive local agents throughout Colorado, so they are a good choice if you prefer to handle your insurance needs in person.

Progressive

Progressive is the cheapest option for drivers with a DUI, with an average annual rate of $2,140. They also have a robust digital presence, with a highly-rated mobile app and online portal. Their Name Your Price tool makes it easy for drivers to tailor an affordable coverage package to their budget.

USAA

USAA is only available to current and former military members and their families, but it has the cheapest rates in Colorado, with an average annual rate of $122 per month for full coverage. They have excellent financial strength and consistently high marks on J.D. Power's annual auto insurance studies.

American National P&C

American National P&C has the top MoneyGeek score for its balance of affordability and customer satisfaction. They have the lowest average rates for full coverage in Colorado, at $721 per year. They also have high scores for claims handling and offer rare coverages like Antique/Classic Car Insurance and Spare Parts Coverage.

Best companies for customer satisfaction

When it comes to customer satisfaction, American Family, State Farm, and USAA are among the best auto insurance companies in Colorado.

American Family is known for its high-quality customer service. In J.D. Power's 2024 U.S. Auto Insurance Study, the company earned the third-highest overall customer satisfaction ranking for the Southwest region. They also offer a wide range of coverage options, including rideshare coverage, classic car insurance, and roadside assistance.

State Farm, the largest car insurance company in the U.S. by market share, also boasts excellent customer service ratings. In J.D. Power's 2021 U.S. Auto Insurance Study, State Farm was ranked second for overall customer satisfaction in the Southwest region, which includes Colorado. They offer 24/7 claim reporting and have an extensive network of agents.

USAA, a company that serves only military personnel, veterans, and their families, is widely considered one of the best auto insurance companies for customer satisfaction. They have consistently received high ratings for customer satisfaction, claim satisfaction, and financial strength.

Other companies that are worth mentioning for their customer satisfaction include Progressive, which offers a range of discounts, and Allstate, which has a telematics program that rewards safe driving.

Best companies for young drivers

When it comes to auto insurance for young drivers in Colorado, State Farm and Progressive are two of the best options. State Farm offers the cheapest full-coverage car insurance for 18-year-old drivers in Colorado, costing $360 per month. State Farm also has the cheapest liability-only insurance for young drivers, costing $149 per month.

Progressive is another good option for young drivers, as it has a Name Your Price tool that makes it easy to adjust the numbers and find a policy that fits your budget. Progressive also offers discounts for teen drivers, good students, and distant students.

Best companies for military members

If you are a military member or veteran, USAA is widely regarded as the best auto insurance company in Colorado. USAA is only available to current and former military members and their families, and it has a reputation for providing top-of-the-line car insurance. It consistently achieves high marks on J.D. Power's annual auto insurance studies and has excellent financial strength. USAA also offers a range of optional coverages, such as roadside assistance, rental reimbursement, and rideshare gap protection coverage.

Geico is another excellent option for military members in Colorado. While it does not cater exclusively to military members, Geico often offers affordable rates for most drivers and has a well-known tagline of "15 minutes could save you 15% or more". Geico also has a good reputation for customer service, as indicated by its AM Best and BBB ratings. Additionally, Geico offers a telematics program called DriveEasy or DriveEasy, which rewards good drivers with discounts.

State Farm, the largest auto insurer in the US, is also worth considering for military members in Colorado. State Farm has hundreds of exclusive local agents throughout the state, making it a good choice for those who prefer to handle their insurance needs in person. State Farm also offers a full line of insurance products, including auto, home, and life insurance, making it convenient for those looking for one-stop insurance shopping.

Other auto insurance companies in Colorado that are recommended for military members include Southern Farm Bureau, American Family Insurance, and Travelers. These companies offer competitive rates, strong customer service, and a range of coverage options. When choosing an auto insurance company, it is important to compare rates, coverages, and discounts to find the best fit for your specific needs.

Best companies for families

When it comes to auto insurance in Colorado, there are several companies that stand out for offering high-quality coverage and excellent customer service. Here are some of the best options for families:

State Farm

State Farm is a great choice for families in Colorado as it offers affordable rates and a wide range of coverage options. They have hundreds of local agents across the state, making it convenient for those who prefer to handle their insurance needs in person. State Farm also offers multiple lines of insurance, including auto, home, and life insurance, making it a good option for families looking for one-stop insurance shopping. Their mobile app and online capabilities also make it easy to manage policies and submit claims digitally. State Farm has excellent customer satisfaction ratings and is known for its generous coverage and discounts for good driving habits.

American Family

American Family is another excellent option for families in Colorado. They are known for their high-quality customer service and have received high overall customer satisfaction rankings in J.D. Power's studies. American Family offers a wide range of coverage options, including rideshare, gap insurance, and roadside assistance, allowing families to customize their policies to their specific needs. They also offer a variety of discounts and have a good rating for ease of use.

Geico

Geico is a well-known insurance provider with a strong presence in Colorado. They offer highly competitive rates and a long list of discounts, making them an attractive option for families on a budget. Geico has a highly-rated mobile app and online portal that allows for full-service policy management. They also provide unique savings and rewards opportunities through their DriveEasy telematics program.

Progressive

Progressive is a good choice for families, especially those with young or teen drivers. Their Name Your Price tool makes it easy for drivers to tailor their coverage packages according to their budget. Progressive offers a range of insurance products, including auto, home, business, and even Segway insurance. They also have several discounts available, such as teen driver, good student, and distant student discounts.

Allstate

Allstate is a reputable insurance company that offers unique perks, such as new car replacement, gap insurance, and accident forgiveness. Their Drivewise telematics program is appealing to families as it does not require policyholders to participate, and subpar driving will not negatively impact premiums. Allstate also has robust mobile and online tools available for policy management.

Frequently asked questions