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Last updated: December 1, 2025Best Auto Insurance in Colorado of 2025
GEICO, American Family State Farm, Nationwide and USAA are among our picks for residents of the Centennial State.
Best Budget Insurance
Editor's Rating:4.2/5
Full Coverage Averages in CO
- Annual premium: $2,416
- Monthly premium: $201
Best for Households with Teens
Editor's Rating:4.4/5
Full Coverage Averages in CO
- Annual premium: $2,308
- Monthly premium: $192
Best with a DUI
Editor's Rating:4.9/5
Full Coverage Averages in CO
- Annual premium: $2,318
- Monthly premium: $193
Key Takeaways
- Drivers looking for the best car insurance in Colorado on a budget should consider GEICO, while other drivers may find the best insurance from American Family, State Farm, Nationwide, or USAA, depending on their situation.
- Auto insurance in Colorado costs an average of $2,917 for full coverage and $837 for minimum coverage, both of which are more expensive than the national average.
- Our pricing data includes average rates, so keep in mind that they do not necessarily reflect the rates you may be quoted. However, they provide a useful starting point when comparing companies.
Summary of the Best Auto Insurance in Colorado
- Best Budget Insurance: GEICO
- Best for Households with Teens: American Family
- Best for DUI: State Farm
- Best for Low-Mileage Drivers: Nationwide
- Best for Military/Veterans: USAA
Compare the Best Cheap Auto Insurance in Colorado
| Company | Full Coverage Monthly Avg. in CO | Minimum Coverage Monthly Avg. in CO | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $201 | $46 | Below average |
| American Family | $192 | $65 | Below average |
| State Farm | $193 | $59 | Above average |
| Nationwide | Data not available | Data not available | Above average |
| USAA | $190 | $40 | Above average |
| Colorado | $243 | $70 | – |
DID YOU KNOW?
State Farm and Progressive are the two most popular car insurance providers in Colorado, followed by Allstate.
Breaking Down the Best Cheap Auto Insurance in Colorado
1. Best Budget Insurance - GEICO
What We Like Most:
- Cheap rates in Colorado
- Good range of discounts
- Easy online quotes and purchasing
Why we chose it
GEICO has some of the cheapest minimum coverage car insurance in Colorado and has competitive rates for full coverage as well. It offers a variety of discounts, including for military members, federal employees, and members of certain professional societies and educational institutions.
One more unique coverage offered by GEICO is mechanical breakdown insurance (MBI), which covers repairs from vehicle breakdowns, replacement parts, and other mechanical issues. Your car is eligible if it’s new or leased, less than 15 months old, and has less than 15,000 miles on it. Once you add MBI to your policy, you can renew it for up to 100,000 miles or seven years, whichever comes sooner, which can help you save on repairs over time.
Who it’s best for
People seeking minimum coverage, drivers with poor credit scores, customers who want to buy insurance online
GEICO Colorado Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $201 | $46 |
| Annually | $2,416 | $555 |
| Difference from Colorado average | -17% | -34% |
2. Best for Households with Teens - American Family
What We Like Most:
- Affordable rates for young drivers
- Generous bundling discount
- Two telematics programs
Why we chose it
American Family has some of the lowest average rates for teens in Colorado, second only to USAA. It also offers below-average rates for both full and minimum coverage for adult drivers.
In addition to its competitive rates, American Family provides a variety of discounts for young drivers, including for good students, students away at school, and young volunteers.
For those interested in participating in a telematics discount program, American Family has two: one for safe driving (DriveMyWay) and one for driving less than average (MilesMyWay). The former provides savings of between 10 and 35 percent but could increase rates for high-risk drivers, while the latter provides savings of up to 25 percent for driving fewer than 8,000 miles per year.
Who it’s best for
Those with a teen driver on their policy, drivers looking to bundle home and auto, low-mileage drivers
American Family Colorado Pricing
| American Family | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $192 | $65 |
| Annually | $2,308 | $783 |
| Difference from Colorado average | -21% | -6% |
3. Best for DUI - State Farm
What We Like Most:
- Strong regional customer satisfaction ratings
- Wide network of local Colorado agents
- Competitive rates for high-risk drivers
Why we chose it
With its network of local agents in more than 90 offices in Colorado, you might have a State Farm representative as your neighbor. The company offers competitive average rates for drivers with less-than-spotless driving records, particularly those with DUIs. Its average rates for drivers in Colorado with a DUI on their record are 27 percent below the state average.
State Farm also ranked third in the J.D. Power Auto Insurance Study in the Southwest region for customer satisfaction and scored above average in J.D. Power’s 2025 Claims Satisfaction Study. The company’s local agents provide personalized service by building relationships with their clients and can provide specific area recommendations for automotive services, such as auto body shops and glass repair facilities.
FYI:
State Farm will file your SR-22 and make sure you have the proper amount of coverage that Colorado requires.
Who it’s best for
Drivers with clean records and those with DUIs, people who like to work with local agents
State Farm Colorado Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $193 | $59 |
| Annually | $2,318 | $713 |
| Difference from Colorado average | -21% | -15% |
4. Best for Low-Mileage Drivers - Nationwide
What We Like Most:
- Pay-per-mile policies
- Ranks second for Southwest customer satisfaction
- Highly-rated digital tools
Why we chose it
Nationwide is one of only three companies (excluding USAA) that ranked above average in J.D. Power’s U.S. Auto Insurance Study for the Southwest region, and it also ranked first for usage-based insurance. In addition, it ranked first for service in the Digital Experience Study1, making it ideal for drivers who value being able to seamlessly manage their policies online.
One of Nationwide’s two telematics options is a pay-per-mile program called SmartMiles. Unlike programs like American Family’s, which provide a flat discount for driving under a certain threshold, Nationwide’s pay-per-mile policy charges you based on how much you drive each month. The less you drive, the more you save.
Colorado-specific pricing data is not available for Nationwide, so get a quote to see how much you’ll pay.
Who it’s best for
Those with a teen driver on their policy, drivers looking to bundle home and auto, low-mileage drivers.
5. Best for Military/Veterans - USAA
What We Like Most:
- Cheap average rates
- Low-mileage telematics program
- Excellent customer service ratings
Why we chose it
For more than 100 years, USAA has been insuring active military members, veterans, and their families, including those who drive for rideshare companies. The insurance company offers multiple ways to save on premiums and has a robust mobile app.
Unlike our other providers in Colorado, it only offers auto insurance policies for military members and their extended families. But for those who qualify, USAA offers some of the highest third-party ratings and lowest insurance premiums in the state.
Who it’s best for
Active military members, veterans and their families, military members on deployment who need vehicle storage in the United States
USAA Colorado Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $190 | $40 |
| Annually | $2,275 | $477 |
| Difference from Colorado average | -22% | -36% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| GEICO | 624 | C- | 697 | 1.95 |
| American Family | 635 | C+ | 702 | 1.41 |
| Nationwide | 661 | C | 729 | 2.78 |
| State Farm | 648 | C- | 716 | 2.15 |
| USAA | 720 | D+ | 741 | 2.74 |
| Average | 636 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Colorado
Full Coverage Rates in Colorado
Colorado residents can expect to pay around 24 percent more for auto insurance rates than the national average. On average, full coverage auto insurance in Colorado costs $2,917 a year or $243 a month.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Colorado Average | $2,917 | $243 |
| National Average | $2,356 | $196 |
Minimum Coverage Rates in Colorado
In Colorado, the average cost of a minimum coverage policy is $837 a year or $70 a month. This is around 16 percent higher than the national average.
The cost of auto insurance can vary significantly based on your driving history, vehicle, and provider. We recommend comparing quotes from at least three providers to help you find the best coverage at the most affordable cost.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Colorado Average | $837 | $70 |
| National Average | $722 | $60 |
Auto Insurance Costs by City in Colorado
Auto insurance rates vary significantly based on your location, even down to the city you live in. In Colorado, residents of Boulder enjoy some of the cheapest average auto insurance rates, at $2,222 per year or $185 per month. Rates in Fort Collins are also on the cheaper side, at $2,251 annually.
On the other end of the spectrum, Denver’s auto insurance rates are some of the most expensive. Rates here average $3,296 per year or $275 per month. Rates in Aurora are also high at $3,134 annually.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Boulder | $2,222 | $185 |
| Fort Collins | $2,251 | $188 |
| Arvada | $2,477 | $206 |
| Pueblo | $2,645 | $220 |
| Colorado Springs | $2,779 | $232 |
| Aurora | $3,134 | $261 |
| Denver | $3,296 | $275 |
How Many Car Accidents Happen in Colorado?
According to data from the Colorado Department of Transportation, there were 101,317 car crashes in Colorado in 2024.6 Of those, 642 were fatal, causing 689 fatalities. There were also 3,340 serious accidents. Most accidents occurred in the Denver area, followed by El Paso and Adams. In addition, most fatal crashes occurred in September and July.
Minimum Auto Insurance Requirements in Colorado
For the nearly 4.5 million licensed drivers in Colorado, having auto insurance is a legal requirement. Colorado state law requires the following minimum auto insurance limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $15,000 per accident
Minimum coverage limits are the lowest limits required to legally drive in the state, but if you can afford to, you should get more coverage. If you get into a serious accident, minimum coverage likely won’t cover the damages, and you’ll be on the hook for the difference. If you want to cover damage to your own car as well, you’ll want to add full coverage, which includes comprehensive and collision coverage.
Methodology - How We Review Providers
We evaluated auto insurance providers in Colorado and based our reviews on the following criteria:
- Pricing (40%): We analyzed the costs of both full and minimum coverage premiums in Colorado for drivers with clean records and those with prior incidents like DUIs. We also considered available discounts. Minimum coverage averages meet Colorado’s state-mandated limits, while full coverage averages use the following limits:
-
- Bodily injury liability: $100,000 per person / $300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: Same as bodily injury liability
- Comprehensive and collision: $500 deductible
- Claims handling (25%): Efficient claims handling is critical for any auto insurance provider. We reviewed third-party data from independent sources like the J.D. Power Claims Satisfaction Study, AM Best, and other reports to evaluate claims handling.
- Customer experience (25%): We assessed customer experience from various perspectives, including the ease of getting a quote, digital tools, policy management options, and availability of local agents. Our evaluation incorporated third-party data from sources like J.D. Power, alongside app ratings and data on the provider’s customer service for Colorado drivers.
- Coverage options (10%): We reviewed each company’s coverage offerings, preferring providers with options beyond Colorado’s minimum requirements. Additional coverage options considered include mechanical breakdown insurance, rideshare coverage and other benefits.
Learn more about our ratings and methodology sources.
Frequently Asked Questions
USAA ($190 monthly), American Family ($192 monthly), and State Farm ($193 monthly) have the cheapest average full coverage car insurance in Colorado. For minimum coverage, USAA ($40 monthly), Farm Bureau ($42 monthly), and GEICO ($46 monthly) have the cheapest average rates.
In general, you need to register and insure your car in Colorado after you move from out of state. You should get your license within 30 days of moving to Colorado and register and insure your vehicle in the state within 90 days. If you’re visiting Colorado or have just recently moved, you can use out-of-state car insurance.
Colorado is an at-fault state, not a no-fault state. That means the state allows you to sue the responsible party in any circumstance in which you are hurt or your property is damaged due to a car accident. You are not required to have permanent or serious injuries to sue the responsible party after an auto accident.
As with most other states, auto insurance in Colorado is attached to the insured vehicle, not the driver. If you drive someone else’s vehicle and are in an accident, their auto insurance would be responsible. That said, your policy could become secondary insurance if its limits aren’t high enough to cover the total losses.
According to the 2022 Colorado Code § 42-4-1409, the consequences for not having car insurance in Colorado are as follows:
| Offense | License suspension | Fine minimum |
|---|---|---|
| First | Yes, until you can prove you have auto insurance | $500 |
| Second | Yes, for 4 months | $1,000 |
| Third and subsequent | Yes, for 8 months | $1,000 |
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Auto Insurer Websites and Apps Become Battleground for New Customers as Policy Shopping Activity Skyrockets, J.D. Power Finds. J.D. Power. (2025, May 14).
https://www.jdpower.com/business/press-releases/2025-us-insurance-digital-experience-studyIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCrash Data. Colorado Department of Transportation. (2025).
https://www.codot.gov/safety/traffic-safety/data-analysis/crash-data
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