American National ranks as the best car insurance company in Colorado, earning a MoneyGeek score of 4.29 out of 5 for its affordability and customer service ratings. Since insurance needs vary by individual situation, we also recommend considering Auto-Owners, Farm Bureau, GEICO and Progressive.
Best Car Insurance in Colorado
Updated: August 30, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Colorado is American National, ranking first in affordability.
Auto-Owners offers the best car insurance for Colorado drivers with bad credit, while Progressive is the top choice for those with newer cars.
To secure the best car insurance rates in Colorado, determine your coverage needs first, research provider options and compare plenty of quotes before making a decision.
Best Car Insurance Companies in Colorado
| American National | 4.29 | $50 | 10 | 5 |
| GEICO | 4.23 | $64 | 6 | 5 |
| Farm Bureau | 4.09 | $80 | 3 | 6 |
| Progressive | 3.94 | $111 | 2 | 2 |
| Auto-Owners | 3.92 | $124 | 1 | 4 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Colorado by Driver Profile
Auto-Owners leads in four out of 10 driver categories in Colorado, offering the cheapest rates for young drivers, those with speeding tickets, bad credit and low income. Progressive, Farm Bureau and American National each win in two categories.
| Young Drivers | Auto-Owners | 5 | 1 | 4 |
| Adult Drivers | American National | 1 | 10 | 5 |
| Senior Drivers | American National | 1 | 10 | 5 |
| Drivers With an Accident | Farm Bureau | 2 | 3 | 6 |
| Drivers With a DUI | Progressive | 4 | 2 | 2 |
| Drivers With a Speeding Ticket | Auto-Owners | 5 | 1 | 4 |
| Drivers With Bad Credit | Auto-Owners | 6 | 1 | 4 |
| Drivers With Low Income | Auto-Owners | 4 | 1 | 4 |
| Drivers With Newer Cars | Progressive | 3 | 2 | 2 |
| Drivers With Old Cars | Farm Bureau | 2 | 3 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Colorado Car Insurance Recommendations
Our general recommendations might not match your unique profile. Compare these five top providers to find coverage that fits your specific needs and budget.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.38 | $317 | 1 | 4 |
| American National | 4.29 | $194 | 10 | 5 |
| Farm Bureau | 4.27 | $247 | 3 | 6 |
| Allstate | 3.88 | $356 | 7 | 3 |
| Progressive | 3.86 | $418 | 2 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Colorado Car Insurance Reviews
Find detailed service breakdowns for our top-rated insurance providers below.
American National
Best Cheap Overall in Colorado
MoneyGeek Rating
4.3/ of 5
5/5Affordability
3.3/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$73For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$28For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
3.7/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Equipment Breakdown
GEICO
Best Discounts and Coverage Options in Colorado
MoneyGeek Rating
4.2/ of 5
4.7/5Affordability
3.7/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$97For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$32For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Colorado
Car insurance shopping in Colorado doesn't have to be complicated. Our guide helps you compare rates and find coverage that fits your needs.
- 1
Decide on Coverage Needs Before You Buy
The first step is understanding what coverage you need. Consider your driving patterns, vehicle value and financial situation while ensuring you meet Colorado required minimums.
- 2
Research Average Costs and Available Discounts
Start by checking average car insurance costs in Colorado. Look into home and auto insurance bundles, usage-based insurance programs and safe driver discounts. Taking a defensive driving program can also lead to significant premium reductions.
- 3
Evaluate Provider Reputation and Coverage Options
Look at customer reviews and available add-ons and optional coverages to make sure the provider meets your specific needs.
- 4
Explore Alternative Coverage Types
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better match your needs. If you require an SR-22 in Colorado, be sure to focus on providers experienced with these filings.
- 5
Get Multiple Quotes Through Various Channels
Shop around to find the cheapest option. Compare quotes from direct insurers, independent agents and online platforms since rates can vary.
- 6
Review Coverage Annually
Review your coverage and shop for new quotes each year to find the best possible rate.
Best Colorado Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. American National is the top-rated company overall, while GEICO and Farm Bureau are also good options for drivers in Colorado.
Best Auto Insurance in Colorado: FAQ
Your ideal car insurance policy depends on personal factors like driving history and coverage needs, so we'll answer key questions to help you choose the right coverage.
What is the best car insurance company in Colorado?
American National leads Colorado's car insurance market, with a MoneyGeek score of 4.29 out of 5 and competitive full coverage premiums averaging $73 per month.
What is the best car insurance company for minimum coverage in Colorado?
American National ranks highest for minimum coverage in Colorado with an average rate as low as $335 per year.
What is the best car insurance in Colorado for young drivers?
Auto-Owners provides the best insurance for young adults in Colorado, combining competitive rates and excellent customer service with comprehensive coverage options.
What is the best car insurance for Colorado drivers who value customer service?
Auto-Owners leads customer experience in Colorado with a 5 out of 5 rating. The company excels in their purchase experience, agent support, digital policy tools and claims handling process.
What is the best car insurance in Colorado if you have driving offenses?
Auto-Owners is top for Colorado drivers with a driving violation like a speeding ticket, offering monthly rates of $75 for minimum coverage and $193 for full coverage policies.
How We Rated the Best Car Insurance in Colorado
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Colorado. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Colorado. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Colorado-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.