Best car insurance in Colorado for 2025

To find the best car insurance companies in Colorado, we developed a proprietary Bankrate Score system that takes several metrics into account. Our insurance editorial team analyzed average car insurance premiums from Quadrant Information Services and reviewed coverage options, discounts, policy features, customer satisfaction scores from J.D. Power and financial strength ratings from AM Best. We also looked at accessibility and ease of use for policy management through online and mobile resources.

Insurance companies are graded on a weighted scale of 5.0 points, with a score closer to 5.0 indicating strong performance across these categories. If you are shopping for the best auto insurance in Colorado, our research might help you find a carrier that fits your needs.

On the surface, it may seem like all car insurance companies basically offer the same product. But when you look closer, you’ll see many insurers try to cater their coverage to certain individual needs and driving profiles. For example, while some providers charge inflated premiums to high-risk profiles, like teenagers and drivers with DUIs, others specialize in these areas and offer more fair premiums.

At the very least, you’ll need a 25/50/15 liability insurance policy to satisfy Colorado’s minimum car insurance laws. After that, based on your specific vehicle and overall accident risk, you’ll want to discuss with an agent if you want additional coverage or higher liability limits. If you finance or lease a vehicle, you will almost certainly need to maintain a full coverage policy to satisfy your lender's requirements. 

Price is a key detail for many insurance shoppers, but it's not the only factor to consider. When the price difference between quotes is negligible, it can be smart to check out reviews and ratings to see how providers perform in certain areas of insurance that you prioritize. Third-party agencies like J.D. Power, National Association of Insurance Commissioners (NAIC) and AM Best put out annual ratings that give insight into how well car insurance providers are performing in customer service, claim satisfaction and digital experience. Doing a little research into reviews and ratings can save you the headache of going through a poor claims experience down the road. 

Whether it be a neighborhood farmer’s market or a ski club, Colorado residents know the value of community. Insuring your vehicle with a small insurance provider isn't just about supporting a local business. Smaller companies often have in-house insurance agents who are uniquely knowledgeable about the local risks you may face on the road. They often have strong relationships with policyholders and excellent customer service. Small insurers can still have competitive pricing, but you'll generally get fewer digital tools than with a brand name carrier. 

The cheapest car insurance company in Colorado for you will depend on several factors specific to you and your vehicle. Carriers consider your age, gender, ZIP code, driving record and more when pricing policies and weigh these rating factors differently, so you may discover rates vary widely from company to company. For that reason, it pays to gather quotes from several companies for the same coverage types and policy limits to compare. Experts recommend inquiring about discounts you may qualify for from each company, as well.

"Full coverage" doesn't have a set definition in the insurance industry, but it generally refers to liability insurance, plus collision and comprehensive coverage. Some carriers automatically increase liability limits with a full coverage policy, while others may add in other coverage types, like rental car reimbursement. Car insurance policies are generally customizable, so it's a good idea to ask for clarification about coverage types and limits to ensure you're getting a policy with adequate financial protection — and not paying for any coverage you don't need.

Getting car insurance in Colorado is typically a pretty straightforward process. You can request quotes and purchase a policy by sharing some basic information with an insurer, such as age, gender, location and the type of vehicle you drive. If you have several accidents on your driving record or have a history of DUIs, you may have to put in a little more research effort, as not all providers will offer quotes or policies to drivers with these high-risk profiles. While most large carriers offer online quoting, some smaller carriers may require you to speak to an agent over the phone to finalize your policy.