Car insurance quotes colorado 23
Keituber.com – Make sure you wear your seat belt – Car accidents are the leading cause of death in Colorado.
In the year Colorado drivers paid an average of $1,050.19 in insurance premiums in 2017, slightly higher than the national average.
When buying auto insurance in Colorado, you need at least the state’s minimum required bodily injury liability and property damage liability coverage.
Affiliate Disclosure: Automoblog and its affiliates may be compensated for purchasing the products in this article.
The Centennial State can be a beautiful place to drive, but first, you need to make sure you have the proper car insurance in Colorado. In this article, we recommend the top insurance providers for Colorado drivers based on affordability, coverage, and customer service. We explain important Colorado auto insurance information, such as minimum policy requirements and how much you should pay for coverage.
Our review team took a close look at many of them. Best car insurance Companies in the industry. Using our previous research as a guide, we’ve compiled a list of the top providers for Colorado drivers. While our recommendations offer some of the lowest car insurance rates in the state, individual rates may vary. One way to find the cheapest Colorado car insurance is to compare quotes yourself, which you can easily do using the tool above.
Top Colorado car insurance providers
While many auto insurance providers are located in each state, coverage, customer service, and pricing can vary from location to location. To determine which companies offer the best car insurance in Colorado, we look at local service scores and costs, not just national reputation. Check out our top Colorado car insurance providers and find information about each recommended insurance below.
Best Colorado car insurance
General level
Cover
Proportionality
- GEICO
96%
95%
95% - American Family Insurance
87%
95%
90% - USA
96%
95%
95% - Hartford
91%
95%
90% - Allstate
90%
90%
80%
*Overall ratings represent our group’s evaluation of auto insurance companies nationwide, while the order of providers in the table shows recommendations specifically for Colorado. For this reason, you may see some providers listed above, while others have higher overall ratings.
1 GEICO: Best overall
GEICO is one of the most popular insurers in the country for a reason, and it’s not just because of its memorable commercials. GEICO offers low cost policies that make the carrier a smart decision for most drivers.
For Colorado drivers, GEICO is especially well-regarded. JD Power’s 2021 US Auto Insurance Satisfaction SurveyBC For the Southwest region (including Arizona, Colorado, Nevada, New Mexico and Utah), GEICO ranked fifth overall with 829 out of 1,000 points.
In addition to standard Colorado auto insurance, GEICO customers can purchase Mechanical breakdown insurance (MBI) MBI policies help pay for expensive mechanical repairs after your car’s original warranty expires.
GEICO has an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. If you want to learn more, you can check out our full. GEICO car insurance review.
2 American Family Insurance: Best Local Service
American Family Insurance is a regional provider available to drivers in 17 states, including Colorado. For the Southwest region, it received first place in the JD energy satisfaction survey, 850 out of 1,000 points.
When it comes to other industry benchmarks, American Family isn’t as highly rated as GEICO, but it’s close. The company has a financial strength rating of A from AM Best and an A rating from BBB. It’s not unusual for regional insurers to have slightly lower budget strengths than national corporations, but American Family has stronger financial strength than many other smaller carriers and a loyal customer base in Colorado.
Drivers can get all standard auto insurance with American Family, as well as special coverage for motorcycles and recreational vehicles.
3 USAA: Best for military families
USAA scored the highest of any auto insurance provider in the JD Energy Satisfaction Survey for the Southwest region. In fact, USAA has consistently scored the highest in most regions in the survey, but it doesn’t qualify for a standard rating because it’s not available to every driver.
USAA insurance is only available to military members and their immediate families. For those who qualify, USAA is often the best choice for drivers in any state. It has an A++ financial strength rating from AM Best and one of the best customer satisfaction ratings of any auto insurance company.
USAA’s insurance premiums are lower for members, and you can save even more if you take advantage of USAA’s many offers. Drivers looking for car insurance in Colorado should look for:
Family discount
Loyalty discounts
Safe driving discount
New vehicle discount
Multi-vehicle discount
Good student discount
Vehicle storage discount
Annual mileage discount
Discount driving courses
Military freight discount
Learn more about this insurer by reading the full article USAA car insurance reviews.
4 The Hartford: Best for Seniors in Colorado
Hartford specializes in auto insurance coverage for older drivers. AARP members are eligible for special discounted coverage from The Hartford. If you’re old enough (at least 50 years old), AARP membership fees are very low, and the money you’ll save on an insurance policy can easily justify the cost.
Ways to save on Colorado car insurance with The Hartford include:
Level protection
Anti-theft discount
Full payment discount
Good student discounts
Driver training discounts
What is being reduced is disappearing.
Protective driver discount
First accident sorry
$100 off at authorized repair shops
Policies with The Hartford are inexpensive, and the company has a solid reputation for quality customer service in Colorado. In the Southwest region, The Hartford ranked sixth in JD’s energy satisfaction survey with a score of 826 out of 1,000.
In addition to the standard types of car insurance, The Hartford sells Classic car insuranceRV Insurance and Commercial Auto Insurance in Colorado.
5 Allstate: Excellent local agents
Allstate ranked seventh in JD’s energy satisfaction survey for the Southwest region, scoring 822 out of 1,000 points. It’s no surprise that Allstate ranks high for customer service in Colorado, as the provider works through a network of local agents to provide coverage. This means an agent familiar with Colorado’s roads and driving requirements can match you with the appropriate auto insurance policy.
While Every State doesn’t offer the same discount opportunities as some of the providers on our list, it does offer the following cost-cutting benefits:
New car discount
Discount for young drivers
Multi policy discount
Allstate has a strong national reputation and strong financial support. The insurer has an A+ rating from the BBB and an A+ financial strength rating from AM Best.
Colorado car insurance requirements
Car insurance is required in Colorado. For minimum coverage, drivers must purchase 25/50/15 liability insurance, which includes coverage for:
$25,000 per person injured…
