In Littleton, Colorado, the average car insurance premium is $592 for a minimum coverage policy and $1,985 for a full coverage policy. Geico and USAA offer the cheapest average annual rates for minimum and full coverage car insurance in Littleton, according to data pulled from Quadrant Information Services.
There are dozens of car insurance companies in Littleton. Some are known for cheap rates, some have great discounts, and others stand out for their coverage options. We compared some of Colorado’s largest car insurance companies based on factors like price and third-party ratings to find the best providers in Littleton.
Best car insurance companies in Littleton
Based on our in-depth evaluation and comparison, our picks for the best car insurance companies in Littleton are American Family, State Farm, Progressive and USAA. We chose these providers because they offer generous discounts, multiple coverage options and good customer service. In addition, all four companies have excellent customer satisfaction ratings from J.D. Power and good financial strength ratings from AM Best.
|Insurance company||J.D. Power auto insurance study score (Southwest)||Average annual premium for minimum coverage||Average annual premium for full coverage|
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
American Family took the top spot in J.D. Power’s annual auto insurance study for overall customer satisfaction in the Southwest region, which includes Colorado. American Family’s average rates for full coverage insurance are below average, and there are lots of discounts available for extra savings. We also like that American Family offers a wide range of endorsements for more protection, including gap insurance, accident forgiveness and OEM coverage.
Learn more: American Family insurance review
State Farm insures more drivers than any other company. The insurance company is a popular option for Littleton drivers because its average rates are low, and the customer service is generally good. State Farm also has several discounts, including two app-based safe driver rewards programs. State Farm might be a good option for Littleton drivers who want to bundle their policies, which can help you save as much as $964, according to the company.
Learn more: State Farm insurance review
Progressive’s average car insurance rates in Littleton are higher than the city’s average. However, the company offers some of the best discounts in the industry, which can help you get a lower rate. Progressive offers about a dozen types of savings, including bundling policies, being a good student, enrolling in autopay, being a homeowner, having continuous insurance and signing up for the Snapshot safe driver program.
Learn more: Progressive insurance review
Drivers in Littleton can only get USAA insurance if they are active duty or retired service members or are the spouse or child of a service member. USAA is widely considered one of the best car insurance companies, with excellent customer service, very low average rates and reliable coverage. USAA also offers discounts for garaging your vehicle on base, being a good student, being a legacy customer, driving under a certain annual mileage and more.
Learn more: USAA insurance review
Cheapest car insurance in Littleton
The average cost of car insurance in Colorado is $2,016 for full coverage and $518 for minimum coverage. That means the average full coverage rate in Littleton is less expensive, and the average minimum coverage rate is more expensive than the statewide average premium. For comparison, the average cost of car insurance in the United States is $1,674 for full coverage and $565 for minimum coverage.
In Littleton, every car insurance company charges a different rate for coverage, and each person’s rates will differ based on their specific rating factors and needs. The table below looks at the cheapest average car insurance rates in Littleton from the most popular carriers based on market share:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico, USAA, Auto-Owners, State Farm and Farmers offer some of the cheapest car insurance in Colorado. However, it is important to compare providers based on factors besides price. Every low-cost insurer has its pros and cons.
In terms of coverage options, Auto-Owners and Farmers are among the best insurers, in our opinion. Geico, USAA and State Farm offer limited endorsements. All five providers offer a variety of discounts, but the specific savings and savings amounts will vary.
If you are looking for a cheap provider with great customer service, we feel that USAA is the clear winner if you are affiliated with the military. However, State Farm is another good option when it comes to customer service, and anyone can request a quote. Farmers and Geico were rated below-average by J.D. Power, and Auto-Owners was not rated at all.
Littleton insurance requirements
Littleton drivers must carry a minimum amount of car insurance in order to register their vehicle and legally drive. Colorado’s minimum car insurance requirements are abbreviated as 25/50/15 and include the following personal liability coverages:
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage per accident
- $15,000 in property damage coverage per accident
Rather than opting for a minimum coverage policy to keep costs low, most insurance experts recommend increasing your coverage limits for more financial protection. There is no guarantee that a minimum coverage policy will cover your full financial responsibilities if you cause an accident, which could put your personal assets at risk. Also, consider that drivers who lease or finance their vehicle are often required to carry full coverage insurance until their loan is paid off.
Car insurance discounts in Littleton
Drivers who want cheap car insurance should look for insurance companies in Littleton that offer discounts. Here are some of the commons savings you can find in Littleton:
- Defensive driving course discount: Drivers who complete an approved defensive driving course or other driver safety training program can often get a lower rate.
- Bundling discount: Drivers who purchase their home or renters insurance policy along with their car insurance from the same company, often qualify for a significant discount
- AutoPay discount: If you enroll in automatic payments, some insurance companies will give you a small discount on your premium.
- Good student discount: High school and college students who maintain a minimum GPA or get good grades in school can often get a discount on their insurance.
One thing to know is that every insurance company offers different discounts, and the actual savings will vary. When comparing car insurance companies, look at the savings potential for each discount you can qualify for. The bigger the discount, the more you can save on your premium.
Frequently asked questions
What is the best car insurance company?
The best car insurance company varies because every driver has different insurance needs. It depends on factors like your location, budget, the type of car you drive and what you value in an insurance company. It’s a good best practice to request quotes from several car insurance companies for the same types of coverage to compare rates and add-ons.
How much car insurance do I need in Littleton?
Drivers in Littleton must carry at least 25/50/15 personal liability car insurance. However, insurance companies recommend that most drivers increase their coverage limits or upgrade to a full coverage policy for more financial protection.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.