Cheap Car Insurance in Colorado for 2024 (Get Low-Cost Coverage With These 10 Companies)
The best providers for cheap car insurance in Colorado are Geico, Liberty Mutual, and State Farm, offering rates starting at $28 per month. They provide affordable coverage options that meet various needs. Read on to discover how these companies stand out in the car insurance market in Colorado.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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3,607 reviewsCompany Facts
Min. Coverage in Colorado
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviews
17,759 reviewsCompany Facts
Min. Coverage in Colorado
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviewsThe top pick for cheap car insurance in Colorado is Geico, with rates starting at just $28 per month. Liberty Mutual and State Farm also offer highly competitive rates and comprehensive coverage options.
This article explores these top providers, highlighting their strengths in affordability, coverage, and customer service. Look into our article titled “Does Geico offer enhanced rental car coverage?” for extended insights.
Our Top 10 Company Picks: Cheap Car Insurance in Colorado| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $28 | A++ | Low Rates | Geico |
 | #2 | $29 | A | Customizable Policies | Liberty Mutual |
 | #3 | $30 | B | Broad Network | State Farm |
 | #4 | $32 | A+ | Customer Satisfaction | Amica |
 | #5 | $33 | A | Membership Benefits | AAA |
 | #6 | $34 | A++ | Flexible Coverage | Travelers/a> |
 | #7 | $35 | A | Diverse Options | American Family |
 | #8 | $36 | A+ | Innovative Tools | Progressive |
 | #9 | $49 | A | Local Agents | Farmers |
 | #10 | $50 | A+ | Extensive Coverage | Allstate |
Read on to find out how these companies can help you secure the best car insurance in Colorado while staying within your budget. Discover affordable rates for cheap car insurance in Colorado by entering your ZIP code into our free quote tool above.
- Geico leads with cheap car insurance in Colorado at $28 per month
- Liberty Mutual and State Farm offer strong coverage and competitive rates
- Compare quotes from top providers to get the best insurance deal
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#1 – Geico: Top Pick Overall
Pros
- Low Rates: Geico offers some of the most affordable car insurance in Colorado, with rates as low as $28 per month. Gain more insights by reading our Geico insurance review & ratings.
- A++ Rating: With an A++ rating from A.M. Best, Geico’s financial stability is highly reliable, making it a trustworthy choice for car insurance in Colorado.
- Easy Online Tools: Geico provides a seamless online experience, allowing Colorado drivers to manage their policies and file claims efficiently.
- Discounts: Geico offers various discounts for car insurance in Colorado, including good driver, multi-policy, and vehicle safety discounts.
Cons
- Limited Local Agents: Geico’s focus on digital service means fewer in-person support options for those seeking car insurance in Colorado.
- Higher Rates for High-Risk Drivers: Drivers with a poor driving record may find Geico’s car insurance in Colorado more expensive.
- Limited Customization: Geico’s policies may offer less customization compared to other car insurance providers in Colorado.
#2 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual allows you to tailor car insurance in Colorado to your specific needs, ensuring personalized coverage.
- Discounts: The company offers various discounts, including for bundling home and car insurance in Colorado. Dive deeper with our piece titled “Liberty Mutual Insurance Review & Ratings.”
- A.M. Best Rating: With an A rating, Liberty Mutual is financially strong, providing peace of mind for those seeking car insurance in Colorado.
- 24/7 Claims Assistance: Liberty Mutual offers around-the-clock claims assistance, making it convenient for Colorado drivers to get help when they need it.
Cons
- Higher Rates: Liberty Mutual’s rates for car insurance in Colorado may be higher than some competitors, especially for basic coverage.
- Complex Discounts: Some discounts require meeting specific criteria, which may make saving on car insurance in Colorado more challenging.
- Mixed Customer Service Reviews: Liberty Mutual has received mixed reviews for its customer service in Colorado, which may be a concern for some drivers.
#3 – State Farm: Best for Broad Network
Pros
- Broad Network: State Farm has an extensive network of agents in Colorado, making it easy to find personalized help for car insurance in Colorado.
- Affordable Rates: State Farm offers competitive rates, starting at $30 per month, for car insurance in Colorado. Discover detailed information in our State Farm insurance review & ratings.
- A.M. Best Rating: Although rated B, State Farm remains a reputable choice for car insurance in Colorado with strong brand recognition.
- Bundling Options: State Farm offers discounts for bundling car insurance in Colorado with other policies, such as home insurance.
Cons
- B Rating: State Farm’s B rating may raise concerns for some customers about its financial stability in the car insurance market in Colorado.
- Limited Coverage Options: State Farm may offer fewer optional coverages for car insurance in Colorado compared to other providers.
- Customer Service: Some customers have reported less satisfactory experiences with State Farm’s customer service in Colorado.
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#4 – Amica: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Amica is known for high customer satisfaction rates in Colorado, making it a top choice for car insurance.
- A+ Rating: With an A+ rating from A.M. Best, Amica is a financially strong option for car insurance in Colorado.
- Affordable Rates: Starting at $32 per month, Amica offers competitive pricing for car insurance in Colorado. Explore the content in our Amica insurance review & ratings.
- Comprehensive Coverage Options: Amica provides a wide range of coverage options, ensuring that Colorado drivers can find the right car insurance.
Cons
- Limited Availability: Amica may have fewer local agents in Colorado, which could limit in-person service options for car insurance in Colorado.
- Higher Premiums for Young Drivers: Younger drivers may find Amica’s car insurance in Colorado to be more expensive compared to other providers.
- Less Aggressive Discounts: Amica may offer fewer discount opportunities for car insurance in Colorado than some competitors.
#5 – AAA: Best for Membership Benefits
Pros
- Membership Benefits: AAA members enjoy additional perks and discounts on car insurance in Colorado, including roadside assistance.
- A Rating: With an A rating, AAA is a reliable and financially stable choice for car insurance in Colorado. For a thorough understanding, check out our AAA insurance review & ratings.
- Competitive Rates: AAA offers competitive rates for car insurance in Colorado, starting at $33 per month.
- Comprehensive Coverage: AAA provides extensive coverage options, allowing Colorado drivers to tailor their car insurance policies.
Cons
- Membership Requirement: AAA requires membership to access its car insurance in Colorado, which may be an additional cost for some drivers.
- Limited Availability: AAA’s car insurance in Colorado may not be available in all areas, potentially limiting access for some drivers.
- Average Online Tools: AAA’s digital tools for managing car insurance in Colorado may not be as advanced as those offered by other providers.
#6 – Travelers: Best for Flexible Coverage
Pros
- Flexible Coverage: Travelers offers a wide range of flexible coverage options for car insurance in Colorado, allowing for customization.
- A++ Rating: Travelers’ A++ rating reflects its strong financial stability, making it a dependable choice for car insurance in Colorado.
- Discounts: Travelers provides various discounts for car insurance in Colorado, including safe driver and multi-policy discounts.
- Experienced Provider: As a well-established company, Travelers has a long history of providing reliable car insurance in Colorado.
Cons
- Higher Premiums for High-Risk Drivers: Travelers may charge higher rates for car insurance in Colorado for drivers with poor driving records.
- Fewer Local Agents: The availability of in-person service may be limited for those seeking car insurance in Colorado. Enhance your knowledge by exploring our article titled “Travelers Homeowners insurance Review.”
- Complex Policy Options: Travelers’ extensive coverage options might be overwhelming for those looking for straightforward car insurance in Colorado.
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#7 – American Family: Best for Diverse Options
Pros
- Diverse Coverage Options: American Family offers a wide range of car insurance coverage options in Colorado, including customizable plans.
- A Rating: With an A rating from A.M. Best, American Family is financially stable, ensuring reliable car insurance in Colorado.
- Discounts for Safe Drivers: Safe drivers can benefit from American Family’s discounts, making car insurance in Colorado more affordable.
- Good Customer Service: American Family is known for its responsive customer service, making it a strong choice for car insurance in Colorado.
Cons
- Higher Rates for High-Risk Drivers: American Family may have higher premiums for car insurance in Colorado for drivers with a poor driving history.
- Limited Online Tools: The online tools for managing car insurance in Colorado may be less advanced compared to other providers.
- Fewer Local Agents: American Family might have limited in-person support options for those seeking car insurance in Colorado. Uncover further details in our article named “American Family Homeowners Insurance Review.”
#8 – Progressive: Best for Innovative Tools
Pros
- Innovative Tools: Progressive offers cutting-edge digital tools for managing car insurance in Colorado, including their Name Your Price tool.
- A+ Rating: With an A+ rating, Progressive is a financially strong choice for car insurance in Colorado. Get a clearer picture by reading our Progressive insurance review & ratings.
- Competitive Rates: Starting at $36 per month, Progressive offers competitive pricing for car insurance in Colorado.
- Discount Opportunities: Progressive provides a variety of discounts for car insurance in Colorado, including multi-car and safe driver discounts.
Cons
- Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for car insurance in Colorado for drivers with a poor driving record.
- Mixed Customer Reviews: Some customers report less satisfactory experiences with Progressive’s car insurance in Colorado, particularly in customer service.
- Complex Policy Options: Progressive’s wide array of options might be overwhelming for those looking for simple car insurance in Colorado.
#9 – Farmers: Best for Local Agents
Pros
- Local Agents: Farmers has a strong network of local agents, providing personalized service for car insurance in Colorado. Broaden your perspective with our article called “What types of car insurance coverage does Farmers Insurance offer?.”
- A Rating: Farmers’ A rating from A.M. Best indicates financial stability, making it a reliable choice for car insurance in Colorado.
- Customizable Coverage: Farmers offers various customizable options for car insurance in Colorado, ensuring drivers get the coverage they need.
- Discounts: Farmers provides multiple discount opportunities for car insurance in Colorado, including multi-policy and good driver discounts.
Cons
- Higher Premiums: Farmers’ car insurance in Colorado tends to be more expensive, with rates starting at $49 per month.
- Limited Online Tools: Farmers’ digital tools for managing car insurance in Colorado may be less advanced than those of competitors.
- Customer Service: Some customers have reported mixed experiences with Farmers’ customer service for car insurance in Colorado.
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#10 – Allstate: Best for Extensive Coverage
Pros
- Extensive Coverage: Allstate offers a wide range of coverage options for car insurance in Colorado, ensuring drivers get comprehensive protection.
- A+ Rating: With an A+ rating, Allstate is a financially stable choice for car insurance in Colorado. For additional details, refer to our Allstate insurance review and ratings.”
- Local Agents: Allstate has a strong network of local agents, providing in-person support for car insurance in Colorado.
- Discounts: Allstate offers various discounts for car insurance in Colorado, including bundling and safe driver discounts.
Cons
- Higher Premiums: Allstate’s rates for car insurance in Colorado are higher, starting at $50 per month, which may not be the best fit for budget-conscious drivers.
- Mixed Customer Reviews: Some customers have reported less satisfactory experiences with Allstate’s customer service for car insurance in Colorado.
- Limited Customization: Allstate’s car insurance in Colorado may offer fewer customization options compared to other providers.
Monthly Rates for Cheap Car Insurance in Colorado
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $33 | $109 |
| Allstate | $50 | $166 |
| American Family | $35 | $118 |
| Amica | $32 | $108 |
| Farmers | $49 | $163 |
| Geico | $28 | $94 |
| Liberty Mutual | $29 | $92 |
| Progressive | $36 | $120 |
| State Farm | $30 | $94 |
| Travelers | $34 | $114 |
When comparing monthly rates in Colorado, Geico offers the lowest cost for both minimum and full coverage at $28 and $94, respectively. Liberty Mutual and State Farm follow closely with rates of $29 and $92, and $30 and $94, respectively.
Understanding these rates helps in selecting the best insurance option to fit your needs and budget. Obtain more in-depth knowledge with our article called “Does Geico offer gap insurance?”
Essential Coverage for Cheap Car Insurance in Colorado
- Bodily Injury Liability: This covers medical expenses and legal fees if you’re at fault in an accident.
- Property Damage Liability: Pays for repairs or replacement of someone else’s property damaged in an accident.
- Medical Payments: Assists with medical expenses from an accident, regardless of fault.
- Collision Coverage: Covers repair or replacement costs for your vehicle after an accident.
- Comprehensive Coverage: Protects against non-collision events like theft, vandalism, and natural disasters.
Choosing the right mix of coverage can help you secure affordable rates while ensuring you’re adequately protected. Consider your needs and review each coverage option to find the best fit for your budget. Gain a deeper perspective through our article named “Does Geico offer collision coverage?.”
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Discounts for Cheap Car Insurance in Colorado
In Colorado, several top insurance providers offer various discounts to help lower your rates. Common discounts include multi-policy, safe driver, and good student discounts.
Colorado’s Car Insurance Requirements
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Ensuring you meet these minimum coverage levels helps protect you legally and financially on the road. The minimum liability coverage limits in Colorado are as follows:
- Bodily Injury: $25,000 per person and $50,000 per accident. This means that if you cause an accident and someone is injured, your insurance will cover up to $25,000 for one person’s injuries or up to $50,000 for multiple people injured in the same accident.
- Property Damage: $15,000. If you cause an accident and damage someone else’s property, such as their vehicle or a fence, your insurance will cover up to $15,000 for the repairs or replacement costs.
Meeting these minimum requirements is necessary to legally operate a vehicle in Colorado. However, it’s important to note that these minimum limits may not provide adequate coverage in certain situations. Access the complete information on how to file a car insurance claim with Geico general insurance company.”
Factors Affecting Car Insurance Rates in Colorado
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Exploring options for cheap Colorado car insurance and cheap Colorado insurance can help you secure more affordable coverage. Driving records and claims history are crucial as well.
A clean record results in lower premiums, whereas accidents or violations can increase rates. Maintaining a good driving history can help reduce insurance costs over time. Obtain further insights from our article titled “Does Geico car insurance cover a stolen car?”
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Tips for Finding Cheap Car Insurance in Colorado
By carefully evaluating your options and considering factors like coverage levels, discounts, and vehicle type, you can uncover the most cost-effective policies available. Here’s how you can find the most cost-effective options:
- Get Quotes From Multiple Insurers: Use online comparison tools to easily compare rates and coverage options from different insurers. This will help you identify the most competitive rates available.
- Customize Coverage To Your Needs: While minimum coverage may be cheaper, consider if additional coverage like collision or comprehensive is necessary for your situation. Balancing coverage and cost is crucial.
- Discounts Can Lower Premiums: Look for discounts based on safe driving records, bundling multiple policies, or having safety features in your vehicle. Ensure you ask about all possible discounts.
- Clean Record Reduces Rates: Avoid traffic violations and accidents to maintain a good driving history, which can make you eligible for lower rates.
- Car Type Affects Costs: Opt for a vehicle with lower repair costs and advanced safety features to potentially lower your premiums. Avoid high-performance or luxury cars if you’re looking to save.
By following these steps, you can find cheap car insurance in Colorado that fits your budget and provides the coverage you need. Enhance your understanding with our article called “Can I change my Geico car insurance coverage at any time?”
Customer Feedback on Cheap Car Insurance Companies in Colorado
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Frequently Asked Questions
What factors affect the cost of car insurance in Colorado?
The cost of car insurance in Colorado can be influenced by various factors such as the driver’s age, driving record, location, type of vehicle, coverage limits, and deductibles. Unlock further information in our article called “Does Geico offer roadside assistance?”
What are the minimum car insurance requirements in Colorado?
In Colorado, drivers are required to have liability insurance coverage with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. It’s easy to find cheap car insurance in Colorado. Simply enter your ZIP code into our free comparison tool below to compare quotes instantly.
Are there any discounts available for car insurance in Colorado?
Yes, many insurance companies offer discounts in Colorado. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for installing anti-theft devices or safety features in your vehicle.
Can I get cheap car insurance in Colorado if I have a bad driving record?
Having a bad driving record may make it more challenging to find cheap car insurance in Colorado. However, some insurance companies specialize in providing coverage to high-risk drivers, so it’s worth exploring your options and comparing quotes from different insurers.
What should I consider when comparing car insurance quotes in Colorado?
When comparing car insurance quotes in Colorado, it’s important to consider factors such as the coverage limits, deductibles, additional benefits or add-ons offered, customer reviews and ratings of the insurance company, and the overall cost of the policy. Discover more by reading our piece titled “What types of car insurance coverage does Geico offer?”
Who has the cheapest car insurance in Colorado?
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
