Best Car Insurance in Colorado (2025)
American Family, USAA, and State Farm are three of the best car insurance companies in Colorado.
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Colorado drivers don’t have a shortage of car insurance companies to choose from. Each driver shopping for auto coverage has their own priorities. Some people may want an insurer that offers a broad range of discounts, while others may want a usage-based insurance option.
Insurify analyzed 50 different insurers to help you find the best car insurance companies in Colorado and choose the best insurer for your coverage needs. Here’s what you need to know about car insurance in Colorado, including how to compare quotes and coverage options.
Best car insurance companies in Colorado
The best coverage for you depends on many factors, including your driving record, age, ZIP code, credit history, and more. People with clean driving records typically get the lowest rates.[?]
The following companies are Insurify’s top picks if you’re shopping for car insurance in Colorado.
American Family Insurance: Best overall
USAA: Best for customer satisfaction
State Farm: Best for cheap rates
Nationwide: Best for usage-based insurance
GEICO: Best for older adults
Our editorial team analyzed regional and national auto insurance companies that sell policies in Colorado to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Colorado
If you’re shopping for new car insurance in Colorado, here are some tips for finding the best coverage.
Average cost of car insurance in Colorado
Drivers in Colorado pay an average of $93 per month for liability-only car insurance and $196 for full-coverage car insurance. These rates are similar to the national averages of $100 for liability only and $177 for full coverage.
Car insurance rates in Colorado and elsewhere in the U.S. have increased in recent years due to factors like rising vehicle repair costs, increasingly expensive new vehicle costs, and unprecedented climate catastrophes.
The average annual cost of full-coverage insurance for Colorado drivers was $2,801 in June 2025, according to Insurify data. The projected annual cost of full-coverage insurance by the end of 2025 is 2% higher, at $2,880 annually.
Find Cheap Car Insurance in Colorado
Liability quotes in Colorado start at $61/mo.
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Best car insurance in Colorado FAQs
If you’re still trying to choose the best car insurance company in Colorado, the following information can help answer your remaining questions about car insurance in the state.
How much is car insurance in Colorado?
The average cost of car insurance in Colorado is $93 per month for liability coverage and $196 for full coverage. How much you pay depends on a number of factors, including your driving record, marital status, age, and more. For example, if you have a past car accident or other traffic violations, you’ll likely pay higher rates. You should compare quotes to find the cheapest rates for coverage that meets your needs.
What are the best car insurance companies in Colorado?
Some of the best car insurance companies in Colorado include American Family, USAA, State Farm, Nationwide, and GEICO. These companies offer relatively affordable rates, car insurance discounts, and other perks for drivers.
What is the required auto insurance coverage amount in Colorado?
Colorado drivers must purchase at least $25,000 per person and $50,000 per accident in bodily injury liability insurance and $15,000 in property damage liability coverage. But many people opt for full-coverage car insurance policies for additional protection from car accidents and other incidents.
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