Who Has the Cheapest Car Insurance Quotes in Colorado?

Who Has the Cheapest Car Insurance Quotes in Colorado?

We reviewed all of the top auto insurance companies in Colorado and found that State Farm has the best rates for a minimum coverage policy ($438 per year), as well as the best rates for most drivers looking for full coverage ($957).

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We reviewed all of the top auto insurance companies in Colorado and found that State Farm has the best rates for a minimum coverage policy ($438 per year), as well as the best rates for most drivers looking for full coverage ($957).

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Below, we've provided a guide on the cheapest car insurance companies in Colorado, on average. Or you can type your ZIP code above to start shopping for an insurance policy now.

We compared auto insurance quotes in the state of Colorado and found that the average cost of minimum liability car insurance, the cheapest type of policy, is $864 per year, or $72 per month.

But prices can change a lot depending on the insurer, your location, driving history and other factors. We suggest you compare rates across multiple insurers to make sure you get the best price.

Cheapest car insurance companies in Colorado for minimum coverage

The cheapest car insurance policies are the ones that only fulfill the minimum coverage requirements demanded by your state. On average, the lowest car insurance rates in Colorado are offered by:

  • State Farm
  • Geico
  • Progressive

Find Cheap Auto Insurance Quotes in Colorado

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The average car insurance policy in Colorado costs our sample driver $864 per year. State Farm, the cheapest option, costs an average of only $438.

In fact, State Farm is easily the cheapest liability-only policy available for our sample driver. Geico, the second most affordable company, costs $589 per year — over $150 more expensive.

Eligible drivers should also get a quote with USAA. A minimum coverage policy cost our driver $430 per year, making it the closest competitor to State Farm. But only active or former military members (and their families) can obtain a policy.

Rank
Company
Average annual rate
1State Farm$438
2Geico$589
3Progressive$648
4Allstate$737
5Nationwide$905
6Farmers$919
7American Family$2,250
8USAA$430

*USAA is excluded from rankings because it is only available to current and former military members and their families.

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Learn how we conducted this analysis in our Methodology

The table above shows how all Colorado insurers stack up when quoted for a minimum coverage policy. Prices differ by hundreds or even thousands of dollars per year, so when looking for the best rates in your area, you should start with our cheapest recommendations and compare multiple companies.

Cheapest company for full coverage: State Farm

A minimum coverage policy in Colorado only covers the cost of damage or injury to others for which you're liable. A full coverage policy — which includes comprehensive and collision insurance — covers damage to your own car, whether that damage happens on or off the road.

After adding comprehensive and collision insurance, State Farm is still the cheapest insurance company in Colorado, with an average rate of $957 per year.

The average full coverage policy in Colorado cost our sample driver $3,120 per year, making it one of the most expensive states in the country. After State Farm, the next two companies with the biggest savings were Geico and Nationwide:

Insurer
Annual cost
Monthly cost
State Farm$957$80
Geico$2,471$206
Nationwide$2,715$226
Colorado average$3,120$260
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Comprehensive insurance protects you against damage to your car caused by events not strictly related to driving, such as theft or weather damage. Collision insurance covers you against damage that happens while driving that is not covered by another driver's liability insurance, such as if you strike an inanimate object.

Cheap car insurance for drivers with prior incidents

Unfortunately, having a less-than-perfect driving history can make your car insurance rates increase substantially. If you've recently been at fault in an accident or caught driving over the speed limit, you're likely to pay much higher rates than before. And that makes it even more important to shop around for the best price for you.

Here are the cheapest insurers for drivers who have:

Cheapest for drivers with an accident: State Farm

A driver with a history of accidents or traffic violations is likely to pay much higher auto insurance rates in Colorado.

After our driver was responsible for an accident causing $2,000 in property damage, State Farm only raised rates 16%, and it remained the cheapest insurer on average.

Other insurance companies in our study raised rates by an average of 48% after the same accident.

Insurer
Annual cost
Monthly cost
State Farm$1,107$92
Geico$4,414$368
Nationwide$4,497$375
Colorado average$4,650$387
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Cheapest car insurance for people with a speeding ticket: State Farm

We found that State Farm offered the lowest prices to drivers with a recent speeding ticket. Their rates were nearly four times less than the typical price we found among Colorado insurers. Geico was a distant second, though it still saved our sample driver nearly $800 per year when compared to the typical price across the state.

Insurer
Annual cost
Monthly cost
State Farm$1,032$86
Geico$3,106$259
Allstate$3,345$279
Colorado average$3,892$324
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Cheapest car insurance for drivers with a DUI: State Farm

If you were recently convicted of a DUI, State Farm has the best price. It increased rates by a scant 8% for our sample driver — far less than is typical nationwide.

A DUI is a serious driving offense, so it's common to see a very large rate increase afterwards: For example, Nationwide more than doubled our sample driver's insurance costs after their DUI.

Insurer
Annual cost
Monthly cost
State Farm$1,032$86
Allstate$4,054$338
Geico$4,357$363
Colorado average$4,509$376
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Cheapest car insurance for drivers with poor credit: State Farm

While poor credit doesn't necessarily indicate that you're a bad driver, it does suggest to insurers that you're not always able to meet an ongoing financial obligation — like an insurance bill. As a result, you're likely to pay more to insure your car.

In our research, State Farm had the lowest price for a driver with subpar credit, with a typical rate of $199 per month. That's 32% cheaper than the average among all the insurers we considered.

Insurer
Annual cost
Monthly cost
State Farm$2,393$199
Geico$2,412$201
Nationwide$3,100$258
Colorado average$3,501$292
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While repairing your credit isn't always fast, it's doable — here's how we recommend boosting your credit score.

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And that makes it even more important to shop around for the best price for you.\u003C\/p\u003E\n\n\u003Cp\u003EHere are the cheapest insurers for drivers who have:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Been involved in an at-fault accident: State Farm\" href=\"#accident\"\u003EBeen involved in an at-fault accident: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Received one speeding ticket: State Farm\" href=\"#speeding\"\u003EReceived one speeding ticket: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Received one citation for a DUI: State Farm\" href=\"#dui\"\u003EReceived one citation for a DUI: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"A poor credit history: State Farm\" href=\"#credit\"\u003EA poor credit history: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EA driver with a history of accidents or traffic violations is likely to pay much higher auto insurance rates in Colorado.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n After our driver was responsible for an accident causing $2,000 in property damage, State Farm only raised rates 16%, and it remained the cheapest insurer on average. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOther insurance companies in our study raised rates by an average of 48% after the same accident.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,107\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$92\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,414\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$368\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,497\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$375\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,650\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$387\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,107\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$92\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$4,414\",\"$368\"],[\"Nationwide\",\"$4,497\",\"$375\"],[\"Colorado average\",\"$4,650\",\"$387\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EWe found that \u003Cstrong\u003EState Farm\u003C\/strong\u003E offered the lowest prices to drivers with a recent speeding ticket. Their rates were nearly four times less than the typical price we found among Colorado insurers. Geico was a distant second, though it still saved our sample driver nearly $800 per year when compared to the typical price across the state.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,032\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$86\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,106\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$259\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,345\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$279\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,892\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$324\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,032\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$86\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$3,106\",\"$259\"],[\"Allstate\",\"$3,345\",\"$279\"],[\"Colorado average\",\"$3,892\",\"$324\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIf you were recently convicted of a DUI, \u003Cstrong\u003EState Farm\u003C\/strong\u003E has the best price. It increased rates by a scant 8% for our sample driver \u2014 far less than is typical nationwide.\u003C\/p\u003E\n\n\u003Cp\u003EA DUI is a serious driving offense, so it's common to see a very large rate increase afterwards: For example, Nationwide more than doubled our sample driver's insurance costs after their DUI.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,032\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$86\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,054\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$338\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,357\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$363\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,509\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$376\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,032\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$86\\u003C\\\/strong\\u003E\"],[\"Allstate\",\"$4,054\",\"$338\"],[\"Geico\",\"$4,357\",\"$363\"],[\"Colorado average\",\"$4,509\",\"$376\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EWhile poor credit doesn't necessarily indicate that you're a bad driver, it does suggest to insurers that you're not always able to meet an ongoing financial obligation \u2014 like an insurance bill. As a result, you're likely to pay more to insure your car.\u003C\/p\u003E\n\n\u003Cp\u003EIn our research, \u003Cstrong\u003EState Farm\u003C\/strong\u003E had the lowest price for a driver with subpar credit, with a typical rate of $199 per month. That's 32% cheaper than the average among all the insurers we considered.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,393\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$199\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,412\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$201\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,100\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$258\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,501\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$292\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,393\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$199\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$2,412\",\"$201\"],[\"Nationwide\",\"$3,100\",\"$258\"],[\"Colorado average\",\"$3,501\",\"$292\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWhile repairing your credit isn't always fast, it's doable \u2014 here's how we recommend \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is an auto insurance score?\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance-score#improve\"\u003Eboosting your credit score\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest car insurance for young drivers: State Farm

Getting your license and your own car is a rite of passage for many young drivers — and unfortunately, it can be expensive once you begin shopping for insurance. From our research, we found that the cheapest car insurance overall for young drivers is from State Farm, which has an average full coverage cost of $2,735.

Insurer
Full coverage
Minimum coverage
State Farm$2,735$1,511
Geico$6,438$1,732
Allstate$7,469$2,358
American Family$10,452$5,362
Nationwide$10,775$3,929
Farmers$10,910$4,910
Progressive$14,362$3,460
USAA$3,652$1,131
Colorado average$8,349$3,049

*USAA is excluded from rankings because it is only available to current and former military members and their families.

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Cheapest for young drivers with one accident: State Farm

Young drivers with accidents will see their premiums rise when they go look for auto insurance or renew an old plan. On average in Colorado, premiums will increase by close to 28% for young drivers that get into an at-fault accident. When looking for a cheap policy, we would recommend getting a quote from State Farm, which has a yearly cost of $3,252.

Insurer
Annual cost
Monthly cost
State Farm$3,252$271
Allstate$9,410$784
Geico$10,630$886
Colorado average$10,649$887
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Cheapest for young drivers with one speeding ticket: State Farm

Speeding will increase costs less on average when compared with an at-fault accident. Premiums only rise by 15% after receiving a speeding ticket. Drivers looking for the cheapest policy may be able to find affordable rates by shopping with State Farm.

Insurer
Annual cost
Monthly cost
State Farm$2,993$249
Geico$7,609$634
Allstate$8,595$716
Colorado average$9,560$797
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EGetting your license and your own car is a rite of passage for many young drivers \u2014 and unfortunately, it can be expensive once you begin shopping for insurance. From our research, we found that the cheapest car insurance overall for young drivers is from \u003Cstrong\u003EState Farm\u003C\/strong\u003E, which has an average full coverage cost of $2,735.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003E$2,735\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,511\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$6,438\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,732\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$7,469\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,358\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$10,452\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,362\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$10,775\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,929\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$10,910\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,910\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$14,362\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,460\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$3,652\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,131\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$8,349\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,049\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Full coverage\",\"Minimum coverage\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,735\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,511\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$6,438\",\"$1,732\"],[\"Allstate\",\"$7,469\",\"$2,358\"],[\"American Family\",\"$10,452\",\"$5,362\"],[\"Nationwide\",\"$10,775\",\"$3,929\"],[\"Farmers\",\"$10,910\",\"$4,910\"],[\"Progressive\",\"$14,362\",\"$3,460\"],[\"USAA\",\"$3,652\",\"$1,131\"],[\"Colorado average\",\"$8,349\",\"$3,049\"]],\"footnote\":\"*USAA is excluded from rankings because it is only available to current and former military members and their families.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EYoung drivers with accidents will see their premiums rise when they go look for auto insurance or renew an old plan. On average in Colorado, premiums will increase by close to 28% for young drivers that get into an at-fault accident. When looking for a cheap policy, we would recommend getting a quote from \u003Cstrong\u003EState Farm\u003C\/strong\u003E, which has a yearly cost of $3,252.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,252\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$271\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,410\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$784\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,630\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$886\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,649\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$887\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,252\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$271\\u003C\\\/strong\\u003E\"],[\"Allstate\",\"$9,410\",\"$784\"],[\"Geico\",\"$10,630\",\"$886\"],[\"Colorado average\",\"$10,649\",\"$887\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ESpeeding will increase costs less on average when compared with an at-fault accident. Premiums only rise by 15% after receiving a speeding ticket. Drivers looking for the cheapest policy may be able to find affordable rates by shopping with \u003Cstrong\u003EState Farm\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,993\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$249\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,609\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$634\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,595\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$716\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColorado average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,560\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$797\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,993\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$249\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$7,609\",\"$634\"],[\"Allstate\",\"$8,595\",\"$716\"],[\"Colorado average\",\"$9,560\",\"$797\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best car insurance companies in Colorado

Everyone should try to find savings on car insurance, as some companies will charge hundreds of dollars more per year than others for similar coverage and service. But if you can afford it, you shouldn't sacrifice customer service quality just to get the lowest rate.

Below, we've ranked the customer experience with Colorado insurers based on how satisfied customers are with their provider. By this standard, the best insurance companies in Colorado are:

Rank
Insurer
% of respondents overall extremely satisfied with most recent claim
% of respondents who rated customer service as "excellent"
1USAA78%62%
2American Family (AmFam)86%50%
3Nationwide78%53%
4State Farm73%46%
5Allstate72%47%
6Farmers Insurance71%38%
7Progressive74%34%
8Geico64%42%
9Travelers63%33%
10Liberty Mutual61%20%

Results are based on a national ValuePenguin survey of consumer car insurance satisfaction.

{"alignsHorizontal":["left","left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Rank","Insurer","% of respondents overall extremely satisfied with most recent claim","% of respondents who rated customer service as \"excellent\""],["1","USAA","78%","62%"],["2","American Family (AmFam)","86%","50%"],["3","Nationwide","78%","53%"],["4","State Farm","73%","46%"],["5","Allstate","72%","47%"],["6","Farmers Insurance","71%","38%"],["7","Progressive","74%","34%"],["8","Geico","64%","42%"],["9","Travelers","63%","33%"],["10","Liberty Mutual","61%","20%"]],"footnote":"Results are based on a national ValuePenguin survey of consumer car insurance satisfaction.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

To help you make an informed decision, we've also collected customer service information from other official sources: the Complaint Index from the National Association of Insurance Commissioners (NAIC), J.D. Power's Auto Insurance Claims Satisfaction Survey, and A.M. Best's Financial Strength Rating.

Insurer
2019 NAIC Complaint Index
2020 J.D. Power claims satisfaction
A.M. Best rating
State Farm0.66881A++
Geico1.02871A++
Progressive0.67856A+
Allstate0.63876A+
Farmers0.74872A
Safeco1.34870A
American Family0.44862A
USAA0.98890A++
Travelers0.65861A++
Liberty Mutual0.92870A
{"alignsHorizontal":["left","right","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","2019 NAIC Complaint Index","2020 J.D. Power claims satisfaction","A.M. Best rating"],["State Farm","0.66","881","A++"],["Geico","1.02","871","A++"],["Progressive","0.67","856","A+"],["Allstate","0.63","876","A+"],["Farmers","0.74","872","A"],["Safeco","1.34","870","A"],["American Family","0.44","862","A"],["USAA","0.98","890","A++"],["Travelers","0.65","861","A++"],["Liberty Mutual","0.92","870","A"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

The Complaint Index is based on data from the NAIC. It is adjusted for the company's size, so complaints are measured in proportion to the amount of policies a company writes. The national median of the index is 1.0, so companies with a score below that provide better-than-average customer service.

J.D. Power's survey scores are out of 1,000 and represent how satisfied customers are with their insurers.

A.M. Best's Financial Strength Rating is a letter grade describing an insurer's financial ability to pay out claims. The highest grade is A++.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EEveryone should try to find savings on car insurance, as some companies will charge hundreds of dollars more per year than others for similar coverage and service. But if you can afford it, you shouldn't sacrifice customer service quality just to get the lowest rate.\u003C\/p\u003E\n\n\u003Cp\u003EBelow, we've ranked the customer experience with Colorado insurers based on how satisfied customers are with their provider. By this standard, the best insurance companies in Colorado are:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents overall extremely satisfied with most recent claim\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents who rated customer service as \"excellent\"\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family (AmFam)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E86%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E50%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E53%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E71%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E38%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E74%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E8\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E9\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETravelers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E63%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E33%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E10\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELiberty Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E61%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E20%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003EResults are based on a national ValuePenguin survey of consumer car insurance satisfaction.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"% of respondents overall extremely satisfied with most recent claim\",\"% of respondents who rated customer service as \\\"excellent\\\"\"],[\"1\",\"USAA\",\"78%\",\"62%\"],[\"2\",\"American Family (AmFam)\",\"86%\",\"50%\"],[\"3\",\"Nationwide\",\"78%\",\"53%\"],[\"4\",\"State Farm\",\"73%\",\"46%\"],[\"5\",\"Allstate\",\"72%\",\"47%\"],[\"6\",\"Farmers Insurance\",\"71%\",\"38%\"],[\"7\",\"Progressive\",\"74%\",\"34%\"],[\"8\",\"Geico\",\"64%\",\"42%\"],[\"9\",\"Travelers\",\"63%\",\"33%\"],[\"10\",\"Liberty Mutual\",\"61%\",\"20%\"]],\"footnote\":\"Results are based on a national ValuePenguin survey of consumer car insurance satisfaction.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ETo help you make an informed decision, we've also collected customer service information from other official sources: the Complaint Index from the National Association of Insurance Commissioners (NAIC), J.D. Power's Auto Insurance Claims Satisfaction Survey, and A.M. Best's Financial Strength Rating.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC Complaint Index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power claims satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EA.M. Best rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.02\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.67\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.63\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.74\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E872\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeco\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.34\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E870\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.44\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E862\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.98\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETravelers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.65\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E861\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELiberty Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.92\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E870\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"2019 NAIC Complaint Index\",\"2020 J.D. Power claims satisfaction\",\"A.M. Best rating\"],[\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"Geico\",\"1.02\",\"871\",\"A++\"],[\"Progressive\",\"0.67\",\"856\",\"A+\"],[\"Allstate\",\"0.63\",\"876\",\"A+\"],[\"Farmers\",\"0.74\",\"872\",\"A\"],[\"Safeco\",\"1.34\",\"870\",\"A\"],[\"American Family\",\"0.44\",\"862\",\"A\"],[\"USAA\",\"0.98\",\"890\",\"A++\"],[\"Travelers\",\"0.65\",\"861\",\"A++\"],[\"Liberty Mutual\",\"0.92\",\"870\",\"A\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe Complaint Index is based on data from the NAIC. It is adjusted for the company's size, so complaints are measured in proportion to the amount of policies a company writes. The national median of the index is 1.0, so companies with a score below that provide better-than-average customer service.\u003C\/p\u003E\n\n\u003Cp\u003EJ.D. Power's survey scores are out of 1,000 and represent how satisfied customers are with their insurers.\u003C\/p\u003E\n\n\u003Cp\u003EA.M. Best's Financial Strength Rating is a letter grade describing an insurer's financial ability to pay out claims. The highest grade is A++.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Colorado minimum auto insurance requirements

Colorado requires that all drivers maintain a minimum level of auto insurance coverage. Car insurance policies must include both bodily injury liability and property damage liability coverage. Below, we've included the minimum limits for liability insurance in Colorado.

Type of insurance

Colorado required minimum
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$15,000 per accident

{"alignsHorizontal":["left","left"],"alignsVertical":[],"columnWidths":[],"data":[["\u003C\/p\u003E\n\n\u003Cp\u003EType of insurance","Colorado required minimum"],["\u003Cstrong\u003EBodily injury liability\u003C\/strong\u003E","$25,000 per person and $50,000 per accident"],["\u003Cstrong\u003EProperty damage liability\u003C\/strong\u003E","$15,000 per accident\u003C\/p\u003E\n\n\u003Cp\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

In addition to the required coverages, Colorado residents also have the option to purchase auto insurance policies with additional coverages. Typical offerings include uninsured / underinsured motorist coverage, medical payments coverage and comprehensive and collision insurance.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EColorado requires that all drivers maintain a minimum level of auto insurance coverage. Car insurance policies must include both bodily injury liability and property damage liability coverage. Below, we've included the minimum limits for liability insurance in Colorado.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\u003C\/p\u003E\n\n\u003Cp\u003EType of insurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EColorado required minimum\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EBodily injury liability\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$25,000 per person and $50,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EProperty damage liability\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$15,000 per accident\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EType of insurance\",\"Colorado required minimum\"],[\"\\u003Cstrong\\u003EBodily injury liability\\u003C\\\/strong\\u003E\",\"$25,000 per person and $50,000 per accident\"],[\"\\u003Cstrong\\u003EProperty damage liability\\u003C\\\/strong\\u003E\",\"$15,000 per accident\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIn addition to the required coverages, Colorado residents also have the option to purchase auto insurance policies with additional coverages. Typical offerings include uninsured \/ underinsured motorist coverage, medical payments coverage and comprehensive and collision insurance.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Average cost of auto insurance in Colorado, by city

The average cost of a full coverage policy in Colorado is $3,120 per year, or $260 per month, making it one of the most expensive states in the country. Below, we've listed average insurance rates statewide.

  • Pueblo is the most expensive city of all. Full coverage car insurance costs an average of $3,731 per year there.
  • Fruitvale is the cheapest city. The same policy costs $2,381 per year.

Location is just one factor affecting auto insurance prices, and although these averages can give you a good idea of how prices may vary, your quotes will be different. In general, big cities such as Denver will have more expensive rates, since there are more accidents and car thefts.

City
Average annual cost
Percent from average
Fruitvale$2,381-23.7%
Redlands$2,405-22.9%
Clifton$2,413-22.7%
Fruita$2,422-22.4%
Grand Junction$2,423-22.3%
Mack$2,426-22.3%
Loma$2,426-22.2%
Orchard Mesa$2,440-21.8%
Palisade$2,471-20.8%
Glade Park$2,512-19.5%
Delta$2,537-18.7%
Olathe$2,548-18.3%
Show All Rows
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Mesa","$2,643","-15.3%"],["Cory","$2,647","-15.2%"],["Laporte","$2,648","-15.1%"],["Loveland","$2,651","-15.0%"],["Johnstown","$2,666","-14.6%"],["Salida","$2,671","-14.4%"],["Wellington","$2,674","-14.3%"],["Cedaredge","$2,678","-14.2%"],["Collbran","$2,680","-14.1%"],["Molina","$2,680","-14.1%"],["Monarch","$2,690","-13.8%"],["Evans","$2,695","-13.6%"],["Milliken","$2,701","-13.5%"],["Mead","$2,703","-13.4%"],["Silt","$2,714","-13.0%"],["Hayden","$2,715","-13.0%"],["Crested Butte","$2,716","-13.0%"],["Poncha Springs","$2,720","-12.8%"],["Berthoud","$2,721","-12.8%"],["Buena Vista","$2,722","-12.8%"],["Estes Park","$2,726","-12.6%"],["Nathrop","$2,730","-12.5%"],["Crawford","$2,732","-12.5%"],["Hotchkiss","$2,733","-12.4%"],["Rifle","$2,736","-12.3%"],["Lazear","$2,736","-12.3%"],["Fort Collins","$2,739","-12.2%"],["New Castle","$2,749","-11.9%"],["Nunn","$2,750","-11.9%"],["Steamboat Springs","$2,752","-11.8%"],["Nucla","$2,758","-11.6%"],["Paonia","$2,759","-11.6%"],["Eaton","$2,760","-11.6%"],["Parlin","$2,762","-11.5%"],["Almont","$2,763","-11.4%"],["Mosca","$2,766","-11.4%"],["Platteville","$2,768","-11.3%"],["Monte Vista","$2,773","-11.1%"],["Carr","$2,774","-11.1%"],["Gypsum","$2,774","-11.1%"],["Ault","$2,777","-11.0%"],["Eagle","$2,777","-11.0%"],["Alamosa East","$2,778","-11.0%"],["Greeley","$2,779","-10.9%"],["Paradox","$2,780","-10.9%"],["Bedrock","$2,780","-10.9%"],["Granby","$2,782","-10.9%"],["Granite","$2,782","-10.8%"],["Cortez","$2,785","-10.7%"],["Tabernash","$2,787","-10.7%"],["Lucerne","$2,787","-10.7%"],["Saguache","$2,789","-10.6%"],["Kremmling","$2,792","-10.5%"],["Pitkin","$2,796","-10.4%"],["Glenwood Springs","$2,798","-10.3%"],["Hot Sulphur Springs","$2,799","-10.3%"],["Villa Grove","$2,802","-10.2%"],["Edwards","$2,802","-10.2%"],["Firestone","$2,803","-10.2%"],["Alamosa","$2,804","-10.1%"],["La Salle","$2,809","-10.0%"],["Redvale","$2,809","-10.0%"],["Hooper","$2,810","-10.0%"],["La Jara","$2,814","-9.8%"],["Powderhorn","$2,815","-9.8%"],["Timnath","$2,815","-9.8%"],["Naturita","$2,816","-9.7%"],["Frisco","$2,817","-9.7%"],["Copper Mountain","$2,818","-9.7%"],["Pierce","$2,820","-9.6%"],["Longmont","$2,822","-9.6%"],["Howard","$2,824","-9.5%"],["Gunnison","$2,829","-9.4%"],["Keystone","$2,830","-9.3%"],["Dillon","$2,831","-9.3%"],["Somerset","$2,837","-9.1%"],["Louisville","$2,838","-9.1%"],["Carbondale","$2,838","-9.1%"],["Lafayette","$2,838","-9.1%"],["Superior","$2,840","-9.0%"],["Capulin","$2,841","-8.9%"],["Ohio City","$2,844","-8.9%"],["Lewis","$2,844","-8.9%"],["Avon","$2,845","-8.8%"],["Grover","$2,845","-8.8%"],["El Jebel","$2,846","-8.8%"],["Paragon Estates","$2,847","-8.8%"],["Center","$2,847","-8.8%"],["Minturn","$2,848","-8.7%"],["Towaoc","$2,849","-8.7%"],["Wolcott","$2,849","-8.7%"],["Niwot","$2,850","-8.7%"],["Blue River","$2,854","-8.5%"],["Gunbarrel","$2,854","-8.5%"],["Breckenridge","$2,855","-8.5%"],["Craig","$2,857","-8.4%"],["Frederick","$2,859","-8.4%"],["Vail","$2,860","-8.4%"],["Pleasant View","$2,865","-8.2%"],["Gilcrest","$2,865","-8.2%"],["Maybell","$2,865","-8.2%"],["Dinosaur","$2,865","-8.2%"],["Drake","$2,865","-8.2%"],["Erie","$2,866","-8.2%"],["Garden City","$2,869","-8.1%"],["Kersey","$2,871","-8.0%"],["Mount Crested Butte","$2,871","-8.0%"],["Sanford","$2,874","-7.9%"],["Silverthorne","$2,877","-7.8%"],["Pagosa Springs","$2,877","-7.8%"],["Red Cliff","$2,878","-7.8%"],["Windsor","$2,879","-7.7%"],["Severance","$2,879","-7.7%"],["Grand Lake","$2,880","-7.7%"],["Clark","$2,881","-7.7%"],["Sargents","$2,881","-7.7%"],["Slater","$2,882","-7.6%"],["Bayfield","$2,882","-7.6%"],["Meeker","$2,890","-7.4%"],["El Moro","$2,890","-7.4%"],["Hygiene","$2,890","-7.4%"],["Pine Brook Hill","$2,892","-7.3%"],["Moffat","$2,892","-7.3%"],["Trinidad","$2,892","-7.3%"],["Dacono","$2,895","-7.2%"],["Glen Haven","$2,896","-7.2%"],["Broomfield","$2,896","-7.2%"],["Masonville","$2,896","-7.2%"],["Yellow Jacket","$2,896","-7.2%"],["Basalt","$2,898","-7.1%"],["Del Norte","$2,899","-7.1%"],["Bellvue","$2,900","-7.1%"],["Mesa Verde National Park","$2,902","-7.0%"],["Crestone","$2,905","-6.9%"],["Gill","$2,916","-6.6%"],["Mancos","$2,916","-6.6%"],["Durango","$2,918","-6.5%"],["Galeton","$2,918","-6.5%"],["Romeo","$2,918","-6.5%"],["Rangely","$2,919","-6.5%"],["Fraser","$2,919","-6.4%"],["Phippsburg","$2,921","-6.4%"],["Manassa","$2,926","-6.2%"],["South Fork","$2,926","-6.2%"],["Winter Park","$2,926","-6.2%"],["Boulder","$2,928","-6.2%"],["Woody Creek","$2,930","-6.1%"],["Snowmass","$2,931","-6.1%"],["Dolores","$2,932","-6.1%"],["New Raymer","$2,935","-5.9%"],["Yampa","$2,935","-5.9%"],["Hereford","$2,936","-5.9%"],["Hamilton","$2,943","-5.7%"],["Meredith","$2,947","-5.6%"],["Parshall","$2,948","-5.5%"],["Creede","$2,949","-5.5%"],["Oak Creek","$2,950","-5.5%"],["Egnar","$2,951","-5.4%"],["Burns","$2,956","-5.3%"],["Toponas","$2,957","-5.3%"],["Ignacio","$2,957","-5.3%"],["Coaldale","$2,957","-5.2%"],["Dove Creek","$2,960","-5.2%"],["Fort Lupton","$2,962","-5.1%"],["Mc Coy","$2,963","-5.1%"],["Snowmass Village","$2,965","-5.0%"],["Leadville","$2,967","-4.9%"],["Conejos","$2,967","-4.9%"],["Leadville North","$2,967","-4.9%"],["Ouray","$2,969","-4.9%"],["Orchard","$2,972","-4.8%"],["Marvel","$2,972","-4.8%"],["Lincoln Park","$2,972","-4.7%"],["Brookside","$2,973","-4.7%"],["Canon City","$2,973","-4.7%"],["Cotopaxi","$2,974","-4.7%"],["Briggsdale","$2,974","-4.7%"],["Ridgway","$2,978","-4.6%"],["Westcliffe","$2,981","-4.5%"],["Aspen","$2,981","-4.5%"],["Cahone","$2,984","-4.4%"],["Ophir","$2,986","-4.3%"],["Eldorado Springs","$2,991","-4.1%"],["Haxtun","$2,992","-4.1%"],["Lochbuie","$2,993","-4.1%"],["Placerville","$2,996","-4.0%"],["Stoneham","$2,996","-4.0%"],["Mountain Village","$3,000","-3.9%"],["Telluride","$3,000","-3.9%"],["Climax","$3,004","-3.7%"],["Brighton","$3,005","-3.7%"],["Trinchera","$3,005","-3.7%"],["Red Feather Lakes","$3,008","-3.6%"],["Antonito","$3,009","-3.6%"],["Hillside","$3,010","-3.5%"],["Todd Creek","$3,010","-3.5%"],["Livermore","$3,010","-3.5%"],["Walden","$3,011","-3.5%"],["Eastlake","$3,012","-3.5%"],["Bond","$3,013","-3.4%"],["Norwood","$3,022","-3.2%"],["Holyoke","$3,023","-3.1%"],["Boncarbo","$3,024","-3.1%"],["Keenesburg","$3,025","-3.1%"],["Lyons","$3,025","-3.1%"],["Hoehne","$3,029","-2.9%"],["Alma","$3,032","-2.8%"],["Castle Rock","$3,039","-2.6%"],["Snyder","$3,040","-2.6%"],["Cowdrey","$3,042","-2.5%"],["Amherst","$3,042","-2.5%"],["Coalmont","$3,042","-2.5%"],["Rand","$3,044","-2.5%"],["Allenspark","$3,045","-2.4%"],["Lake City","$3,046","-2.4%"],["Paoli","$3,047","-2.4%"],["Iliff","$3,048","-2.3%"],["Roxborough Park","$3,048","-2.3%"],["Florence","$3,050","-2.3%"],["Lamar","$3,056","-2.1%"],["Branson","$3,057","-2.0%"],["Weston","$3,059","-2.0%"],["Padroni","$3,063","-1.8%"],["Fairplay","$3,064","-1.8%"],["Springfield","$3,065","-1.8%"],["Wiggins","$3,066","-1.7%"],["Chromo","$3,066","-1.7%"],["Highlands Ranch","$3,069","-1.6%"],["Sterling","$3,071","-1.6%"],["Walsh","$3,074","-1.5%"],["Fleming","$3,078","-1.3%"],["Grand View Estates","$3,083","-1.2%"],["Westminster","$3,083","-1.2%"],["Stonegate","$3,084","-1.2%"],["Hesperus","$3,086","-1.1%"],["Parker","$3,087","-1.1%"],["Hartsel","$3,087","-1.1%"],["Aguilar","$3,088","-1.1%"],["Rockvale","$3,090","-1.0%"],["The Pinery","$3,091","-1.0%"],["Sugarloaf","$3,092","-0.9%"],["Rollinsville","$3,094","-0.8%"],["Silverton","$3,095","-0.8%"],["Wray","$3,101","-0.6%"],["Crook","$3,104","-0.5%"],["Vernon","$3,107","-0.4%"],["Louviers","$3,107","-0.4%"],["Hillrose","$3,109","-0.4%"],["Kim","$3,109","-0.4%"],["Como","$3,116","-0.2%"],["Shaw Heights","$3,118","-0.1%"],["Castle Pines North","$3,120","0.0%"],["Castle Pines","$3,120","0.0%"],["Palmer Lake","$3,121","0.0%"],["Gleneagle","$3,123","0.1%"],["Weldona","$3,124","0.1%"],["Monument","$3,129","0.3%"],["Woodmoor","$3,131","0.3%"],["Twin Lakes","$3,132","0.4%"],["Franktown","$3,133","0.4%"],["Lone Tree","$3,134","0.4%"],["Acres Green","$3,134","0.4%"],["Model","$3,134","0.4%"],["Blanca","$3,137","0.5%"],["Homelake","$3,138","0.5%"],["Jefferson","$3,139","0.6%"],["Otis","$3,139","0.6%"],["Georgetown","$3,140","0.6%"],["Wiley","$3,140","0.6%"],["Campo","$3,142","0.7%"],["Peetz","$3,143","0.7%"],["Merino","$3,149","0.9%"],["Meridian","$3,151","1.0%"],["Vilas","$3,152","1.0%"],["Empire","$3,152","1.0%"],["Julesburg","$3,152","1.0%"],["Jamestown","$3,154","1.1%"],["Ward","$3,158","1.2%"],["Grant","$3,160","1.3%"],["Arvada","$3,160","1.3%"],["Elizabeth","$3,161","1.3%"],["Thornton","$3,162","1.3%"],["Ponderosa Park","$3,163","1.4%"],["Gardner","$3,164","1.4%"],["Atwood","$3,164","1.4%"],["Idalia","$3,167","1.5%"],["Yuma","$3,172","1.6%"],["Joes","$3,173","1.7%"],["Littleton","$3,173","1.7%"],["Fort Garland","$3,177","1.8%"],["Ovid","$3,179","1.9%"],["Kirk","$3,183","2.0%"],["Hasty","$3,184","2.0%"],["Greenwood Village","$3,185","2.1%"],["Walsenburg","$3,186","2.1%"],["Northglenn","$3,186","2.1%"],["Hudson","$3,187","2.1%"],["Florissant","$3,189","2.2%"],["Guffey","$3,189","2.2%"],["Eckley","$3,190","2.2%"],["Ken Caryl","$3,195","2.4%"],["Nederland","$3,196","2.4%"],["Two Buttes","$3,197","2.5%"],["Karval","$3,198","2.5%"],["Mc Clave","$3,198","2.5%"],["Roggen","$3,202","2.6%"],["Shawnee","$3,203","2.7%"],["Sedgwick","$3,204","2.7%"],["San Luis","$3,205","2.7%"],["Silver Plume","$3,205","2.7%"],["Brush","$3,206","2.7%"],["Jaroso","$3,209","2.8%"],["Fort Morgan","$3,210","2.9%"],["Pritchett","$3,210","2.9%"],["Cripple Creek","$3,213","2.9%"],["Akron","$3,217","3.1%"],["Dumont","$3,218","3.1%"],["Sedalia","$3,220","3.2%"],["Perry Park","$3,221","3.2%"],["Fairmount","$3,221","3.2%"],["Coal Creek","$3,221","3.2%"],["Cherry Creek","$3,222","3.3%"],["Black Hawk","$3,224","3.3%"],["Pinecliffe","$3,224","3.3%"],["Penrose","$3,224","3.3%"],["North Washington","$3,227","3.4%"],["Larkspur","$3,229","3.5%"],["Eads","$3,230","3.5%"],["Bethune","$3,231","3.5%"],["Victor","$3,231","3.5%"],["Welby","$3,231","3.5%"],["Haswell","$3,233","3.6%"],["Columbine Valley","$3,234","3.6%"],["Chama","$3,235","3.7%"],["Bailey","$3,237","3.7%"],["Vona","$3,239","3.8%"],["Central City","$3,240","3.8%"],["Bow Mar","$3,241","3.8%"],["Columbine","$3,243","3.9%"],["Cheyenne Wells","$3,245","4.0%"],["Morrison","$3,246","4.0%"],["Anton","$3,248","4.1%"],["Fort Lyon","$3,251","4.2%"],["Manzanola","$3,255","4.3%"],["Hartman","$3,255","4.3%"],["Wetmore","$3,257","4.4%"],["Arriba","$3,258","4.4%"],["Peyton","$3,259","4.4%"],["Cope","$3,262","4.5%"],["Sheridan Lake","$3,263","4.6%"],["Idaho Springs","$3,263","4.6%"],["Arlington","$3,263","4.6%"],["Granada","$3,264","4.6%"],["Burlington","$3,265","4.6%"],["Divide","$3,265","4.6%"],["Black Forest","$3,266","4.6%"],["Woodrow","$3,266","4.7%"],["Las Animas","$3,266","4.7%"],["Genoa","$3,272","4.9%"],["Berkley","$3,272","4.9%"],["Dakota Ridge","$3,272","4.9%"],["Colorado City","$3,272","4.9%"],["Air Force Academy","$3,275","4.9%"],["Usaf Academy","$3,277","5.0%"],["Hugo","$3,279","5.1%"],["Centennial","$3,284","5.2%"],["Fowler","$3,284","5.2%"],["Federal Heights","$3,286","5.3%"],["Elbert","$3,287","5.3%"],["Log Lane Village","$3,295","5.6%"],["Sherrelwood","$3,296","5.6%"],["Lindon","$3,299","5.7%"],["Inverness","$3,304","5.9%"],["La Junta","$3,307","6.0%"],["Dove Valley","$3,308","6.0%"],["Security-Widefield","$3,309","6.0%"],["Stratton","$3,313","6.2%"],["Golden","$3,316","6.2%"],["Holly","$3,316","6.2%"],["Kit Carson","$3,331","6.7%"],["Flagler","$3,331","6.8%"],["La Veta","$3,341","7.1%"],["Henderson","$3,343","7.1%"],["Arapahoe","$3,343","7.1%"],["Seibert","$3,344","7.2%"],["Wild Horse","$3,345","7.2%"],["Cascade","$3,347","7.2%"],["Lake George","$3,353","7.5%"],["Simla","$3,355","7.5%"],["Commerce City","$3,356","7.5%"],["Crowley","$3,358","7.6%"],["Fountain","$3,358","7.6%"],["Derby","$3,365","7.8%"],["Manitou Springs","$3,367","7.9%"],["Applewood","$3,367","7.9%"],["West Pleasant View","$3,369","8.0%"],["Kiowa","$3,369","8.0%"],["East Pleasant View","$3,370","8.0%"],["Calhan","$3,372","8.1%"],["Sugar City","$3,372","8.1%"],["Genesee","$3,375","8.1%"],["Cherry Hills Village","$3,375","8.2%"],["Byers","$3,378","8.2%"],["Upper Bear Creek","$3,384","8.5%"],["Rocky Ford","$3,397","8.9%"],["Strasburg","$3,399","8.9%"],["Green Mountain Falls","$3,399","8.9%"],["Colorado Springs","$3,399","8.9%"],["Rye","$3,401","9.0%"],["Mountain View","$3,402","9.0%"],["Pine","$3,407","9.2%"],["Swink","$3,408","9.2%"],["Evergreen","$3,412","9.3%"],["Rush","$3,414","9.4%"],["Ordway","$3,415","9.4%"],["Limon","$3,416","9.5%"],["Dupont","$3,422","9.7%"],["Buffalo Creek","$3,424","9.7%"],["Foxfield","$3,439","10.2%"],["Woodland Park","$3,442","10.3%"],["Englewood","$3,447","10.5%"],["Ramah","$3,448","10.5%"],["Idledale","$3,454","10.7%"],["Yoder","$3,459","10.8%"],["Kittredge","$3,460","10.9%"],["Watkins","$3,462","10.9%"],["Indian Hills","$3,467","11.1%"],["Conifer","$3,469","11.2%"],["Agate","$3,478","11.5%"],["Cimarron Hills","$3,479","11.5%"],["Stratmoor","$3,484","11.6%"],["Olney Springs","$3,489","11.8%"],["Matheson","$3,490","11.8%"],["Beulah","$3,498","12.1%"],["Pueblo West","$3,499","12.1%"],["Wheat Ridge","$3,506","12.4%"],["Lakewood","$3,523","12.9%"],["Deer Trail","$3,528","13.0%"],["Fort Carson","$3,533","13.2%"],["Denver","$3,534","13.3%"],["Holly Hills","$3,543","13.5%"],["Boone","$3,545","13.6%"],["Sheridan","$3,553","13.9%"],["Glendale","$3,583","14.8%"],["Bennett","$3,598","15.3%"],["Edgewater","$3,619","16.0%"],["Aurora","$3,622","16.1%"],["Avondale","$3,645","16.8%"],["Blende","$3,658","17.2%"],["Salt Creek","$3,665","17.5%"],["Pueblo","$3,731","19.6%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Colorado rate increases by company

In Colorado, auto insurance companies decreased their rates by an average of 1.9% for the 2020 plan year. As shown below, although most companies did not adjust their premiums at all, State Farm cut their rates by 7.8%, while Progressive also decreased its premiums by 1.7%. The primary reason for their rate cuts can be attributed to the recent coronavirus pandemic, which saw a record low level of auto insurance claims, allowing insurers to reduce their rates for new policies.

Insurer
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
State Farm  $920.2 -3.5%-7.8%
Progressive  $610.3 -0.9%-1.7%
USAA  $559.6 0.0%0.0%
Geico  $505.9 0.0%0.0%
Allstate  $500.9 0.9%0.0%
Liberty Mutual  $420.5 0.0%0.0%
American Family  $420.5 3.4%0.0%
Farmers  $348.6 0.0%0.0%
Travelers  $172.8 5.5%0.0%
Nationwide  $109.0 0.9%0.0%
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIn Colorado, auto insurance companies decreased their rates by an average of 1.9% for the 2020 plan year. As shown below, although most companies did not adjust their premiums at all, State Farm cut their rates by 7.8%, while Progressive also decreased its premiums by 1.7%. The primary reason for their rate cuts can be attributed to the recent coronavirus pandemic, which saw a record low level of auto insurance claims, allowing insurers to reduce their rates for new policies.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPremiums written (millions) 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2020\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $920.2\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-3.5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-7.8%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $610.3\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-0.9%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-1.7%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $559.6\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $505.9\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $500.9\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.9%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELiberty Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $420.5\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $420.5\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3.4%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $348.6\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETravelers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $172.8\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5.5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u00a0 $109.0\u00a0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.9%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee 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Recap of the cheapest auto insurance in Colorado

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After an at-fault accident: State Farm
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: State Farm
  • Young drivers: State Farm
  • Young drivers with one accident: State Farm
  • Young drivers with a speeding ticket: State Farm

Methodology

We collected thousands of rates from ZIP codes across Colorado for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in Colorado, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.