The Best Car Insurance in Colorado

American National is our top pick for Colorado drivers, ranking first with a 4.29 score. The company achieves perfect affordability ratings (5/5) with the lowest premiums statewide. Full coverage costs $73 monthly and minimum coverage costs $28 monthly. The AM Best A-rating ensures reliable claim payments. Customer experience ranks last among top providers (3.3/5), but cost savings justify the trade-off for budget-focused drivers.

American National offers Colorado's lowest rates at $73 monthly for full coverage and $28 for minimum coverage. Adult drivers pay $74 monthly and seniors pay $99 monthly, both beating competitors in their categories.

The company provides bundling discounts when combining auto and home policies. Additional savings come from good driver programs and defensive driving course completion. The AM Best A-rating demonstrates financial strength for reliable claim payments.

American National's smaller agent network and limited digital tools trail larger national insurers. Phone support and claims processing are adequate but not exceptional. For budget-conscious drivers prioritizing low premiums over premium service, the cost savings justify the basic service model.

American National provides standard coverage including liability, collision and comprehensive protection with equipment breakdown coverage as a unique add-on. Coverage customization is limited compared to larger national insurers. The company focuses on essential protections rather than extensive options.

For Colorado's hail damage and winter weather risks, standard comprehensive coverage addresses most common claims. Drivers seeking extensive customization or specialty coverage will need to look elsewhere.

Auto-Owners ranks fifth among Colorado insurers but leads for young drivers and those with bad credit. The company achieves perfect customer experience ratings (5/5), ranking first statewide for service quality. Young drivers pay $370 monthly and drivers with bad credit pay $296 monthly. The mutual company structure prioritizes policyholder interests over profits despite higher premiums.

Auto-Owners charges $179 monthly for full coverage and $69 for minimum coverage in Colorado. Young drivers pay $370 monthly, drivers with bad credit pay $296 monthly and those with speeding tickets pay $193 monthly, all competitive within their high-risk categories.

The mutual company structure allows flexible payment plans and loyalty programs. Multi-policy bundling and good student discounts reduce premiums for families. The excellent AM Best ratings demonstrate financial strength despite higher base rates.

Auto-Owners achieves a perfect 5.0 customer experience rating in Colorado, ranking first statewide. The mutual company structure and independent agent network provide personalized service unavailable from larger insurers. Claims processing and customer support receive consistent praise despite limited digital tools. The company's focus on long-term policyholder relationships shows in service quality for young drivers and those with credit challenges needing extra guidance.

Auto-Owners provides comprehensive coverage including standard liability, collision and comprehensive protection with True Blue Auto Coverage as a unique offering. Coverage customization ranks moderately with add-ons like roadside assistance and rental reimbursement. For Colorado's hail damage and mountain driving risks, comprehensive coverage addresses most common claims. The independent agent network helps customize policies for individual needs despite fewer digital self-service options.

Progressive ranks fourth among Colorado insurers but leads for drivers with DUI violations. The company achieves top-tier coverage flexibility (4.8/5) and strong customer service (4.1/5), ranking second in both categories. Drivers with DUI pay $188 monthly for full coverage. The Snapshot telematics program and accident forgiveness provide pathways to lower rates for high-risk drivers rebuilding insurance history.

Progressive charges $163 monthly for full coverage and $59 for minimum coverage in Colorado. Drivers with DUI pay $188 monthly for full coverage and those with newer cars pay $146 monthly, both competitive within their categories.

The Snapshot program reduces rates up to 30% for safe drivers. Multi-policy bundling provides 5% to 25% discounts. Continuous coverage and paperless billing add savings for Colorado drivers managing higher-risk premiums.

Progressive achieves a 4.1 out of 5 customer experience rating in Colorado, ranking second among major insurers. The mobile app provides same-day claims decisions, photo uploads and policy management without requiring adjuster calls.

The 24/7 claims service and concierge-level support help Colorado drivers navigate weather-related damage from hail storms and winter conditions. Digital tools and responsive claims handling address the state's seasonal driving challenges effectively.

Progressive offers extensive coverage customization in Colorado, ranking second with a 4.8 out of 5 coverage score. Beyond standard protection, gap insurance, custom parts coverage, pet injury protection and roadside assistance provide flexibility.

Comprehensive and collision coverage address Colorado's hail damage and mountain driving risks. Rental reimbursement and emergency roadside assistance handle common needs during winter weather and remote area breakdowns Colorado drivers frequently encounter.