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, and more. People with clean driving records typically get the lowest rates.1

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

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 $96 per month for liability-only car insurance and $203 for full-coverage car insurance. These rates are similar to the national averages of $104 for liability only and $184 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 $2,220 in December 2023, according to Insurify data. The projected annual cost of full-coverage insurance by the end of 2024 is 28% higher, at $2,839 annually.