The Best Auto Insurance in Colorado

Allstate provides the best option overall for auto insurance in Colorado. Customers can save on their insurance premiums with multiple discounts. Plus, Allstate has a stellar reputation, with an A rating from the Better Business Bureau (BBB)¹ and a customer satisfaction index rating of 847 out of 1,000 from the J.D. Power U.S. Auto Insurance Study.²

Allstate’s Coverage Options

Allstate has an extensive list of options for auto insurance coverages beyond the state’s minimum required coverage:

• Roadside assistance: An add-on coverage that begins at around $8 per month, per covered vehicle, Allstate Roadside gives 24/7 assistance for flat tires, lockouts, jump-starts and tows.
• Windshield and glass: All auto policies have Auto Glass Claim Express, which means you can pick from more than 7,200 repair shops to schedule windshield and glass repairs.
• Rental reimbursement: Rental reimbursement coverage assists you in paying for rental cars or public transportation while your vehicle is under repair for a covered insurance claim.
• Personal umbrella policy: Allstate’s umbrella policy gives you more liability coverage than a standard insurance policy. It covers you anywhere in the world for bodily injury liability, property damage liability and personal injury.

Shop around and compare quotes to see your car insurance rates with different car insurance companies. The cheapest car insurance company for you may not be the same as someone else in the state based on your ZIP code, credit score and other factors.

Extended Vehicle Care Feature

Allstate provides more coverage for your vehicle beyond insurance with its extended vehicle care, commonly known as an extended warranty. The company’s extended warranty provides protection from repair costs after the manufacturer’s warranty lapses on your covered vehicles.

While most manufacturers’ warranties end after three years or 36,000 miles, whichever comes first, Allstate’s extended car warranty elongates the warranty to seven years or 100,000 miles. The extended vehicle care includes:

• Roadside assistance
• Alternative transportation costs for a rideshare or rental car during car repairs
• Trip interruption coverage up to $500 for lodging and meals if car trouble disrupts your travel plans.
• Add-ons such as windshield, dent, tire and wheel repair or replacement

Choose from one of the following extended warranty options:

Here’s how Allstate’s extended vehicle care works:

• If you need a tow, you’ll need to contact Allstate directly.
• For repairs, you’ll need to take your vehicle to the dealership or the mechanic of your choice.
• To use your warranty, the mechanic will let Allstate know of the necessary repair work.
• The company will pay the bill after you meet any applicable deductible.
• If your repairs take longer than a day, Allstate will cover your rental car or rideshare costs.

Local Agents

One of the benefits of Allstate is its network of local agents. Colorado has more than 50 local agents across the following cities:

• Arvada
• Aurora
• Boulder
• Brighton
• Broomfield
• Canon City
• Castle Pines
• Castle Rock
• Centennial
• Colorado Springs
• Commerce City
• Delta
• Denver
• Durango
• Edgewater
• Elizabeth
• Englewood
• Erie
• Falcon
• Fort Collins
• Glenwood Springs
• Golden
• Grand Junction
• Greeley
• Greenwood Village
• Highlands Ranch
• Johnstown
• Lafayette
• Lakewood
• Littleton
• Lone Tree
• Longmont
• Louisville
• Loveland
• Monument
• Northglenn
• Parker
• Pueblo
• Steamboat Springs
• Thornton
• Westminster
• Wheat Ridge
• Windsor

Multiple agents across many cities can connect you with insurance that meets your needs.

Liberty Mutual saves Colorado drivers money through bundling home and auto insurance, along with other insurance options, for even more savings. Even if you don’t want to bundle policies, the company has multiple discounts to help your premiums drop even more.

Bundling Options

Liberty Mutual has a robust list of insurance options beyond auto for you to consider. When you bundle your auto with homeowners or any of the policies listed below, you’ll save on your premiums.

• Antique and classic car
• ATV and off-road vehicle
• Boat and watercraft
• Business
• Condo
• Critical illness
• Flood
• Home
• Identity theft
• Landlord
• Life
• Mobile home
• Motorcycle
• Pet
• Recreational vehicle
• Renters
• Tuition
• Umbrella

Discounts

In addition to bundling other insurance with your auto policy for savings, Liberty Mutual has an extensive list of discounts:

• Claims-free: Having a claims-free driving history will net you savings on your auto insurance policy.
• Multicar: Insure more than one vehicle with Liberty Mutual for additional savings.
• Paperless policy: If you receive your documents online, you’ll get a discount.
• Preferred payment: By enrolling in automatic payments via your bank account, you’ll get a discount. Paying your annual premium in one or two payments will qualify you for a discount as well.
• RightTrack: Sign up for Liberty Mutual’s RightTrack program, which monitors driving behavior. You receive an initial discount of 10 percent, then you could qualify for up to 30 percent off your auto insurance premiums if you demonstrate safe driving habits.
• Student-away-at-school: Liberty Mutual offers discounts for students who attend school away from home, which means, typically, at least 100 miles from their permanent addresses and drive covered vehicles occasionally.
• Violation-free: Keep your record clear of driving violations and save on your auto policy.

Optional Services

Liberty Mutual has extra options that allow you to customize your basic auto insurance policy:

• 24-hour roadside assistance: If your vehicle breaks down, roadside assistance provides tows, emergency fuel, flat tire changes, locksmith services and jump-starts.
• Better car replacement: Use this coverage to purchase a model that’s one year newer than your totaled vehicle.
• Gap: Gap insurance pays what’s left on your lease or loan if it is totaled and the vehicle’s value is less than the remaining amount of your balance.
• New car replacement: You can purchase a brand-new car if your new vehicle is totaled within the first year of ownership.
• Original parts replacement: This coverage allows repair shops to use original manufacturer parts when they replace damaged vehicle parts.
• Rental car reimbursement: Liberty covers your rental car fees while your vehicle undergoes repairs from a covered incident. Plus, if you choose a Liberty Mutual-approved repair facility, the company will fund the entire rental cost for the duration of your repairs.

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. Lastly, State Farm received top customer satisfaction ratings from J.D. Power.

DUI Insurance

Sometimes, you have a less-than-perfect driving record and you end up needing high-risk auto insurance. State Farm may insure you if you have a DUI on your driving record.

State Farm will help you with your SR-22 requirements, including filing with the state’s Division of Motor Vehicles. Typical charges for filing run between $15 and $25. Usually, Colorado requires SR-22 filings for three years following your license reinstatement.

Positive Third-Party Ratings

Generally, State Farm has received positive ratings from third parties.

• AM Best rating: AM Best gave State Farm’s credit quality and claims-paying ability an A++, which means it considers the company to be financially strong and solvent.
• J.D. Power U.S. Auto Insurance Study rating: For the Southwest region, which includes Colorado, State Farm snagged the top spot with a customer satisfaction rating of 848 out of 1,000.
• Standard & Poor’s (S&P) Global Rating: S&P gave State Farm an AA rating based on the firm’s strong claims-paying ability.

Local Agents

State Farm has an extensive network of local agents in more than 90 cities in Colorado:

• Alamosa
• Arvada
• Aurora
• Basalt
• Bayfield
• Berthoud
• Boulder
• Brighton
• Broomfield
• Brush
• Buena Vista
• Burlington
• Canon City
• Carbondale
• Castle Pines
• Castle Rock
• Centennial
• Colorado Springs
• Commerce City
• Conifer
• Cortez
• Craig
• Dacono
• Delta
• Denver
• Dillon
• Durango
• Eagle
• Eaton
• Edgewater
• Edwards
• Elizabeth
• Englewood
• Erie
• Estes Park
• Evergreen
• Falcon
• Federal Heights
• Firestone
• Fort Collins
• Fort Lupton
• Fort Morgan
• Fountain
• Franktown
• Fraser
• Frisco
• Glenwood Springs
• Golden
• Grand Junction
• Greeley
• Greenwood Village
• Gunnison
• Highlands Ranch
• Holyoke
• Idaho Springs
• Johnstown
• La Junta
• Lafayette
• Lakewood
• Lamar
• Leadville
• Littleton
• Lone Tree
• Longmont
• Louisville
• Loveland
• Meeker
• Monte Vista
• Montrose
• Monument
• Morrison
• Northglenn
• Pagosa Springs
• Paonia
• Parker
• Peyton
• Pueblo
• Pueblo West
• Rangely
• Rifle
• Salida
• Steamboat Springs
• Sterling
• Thornton
• Timnath
• Trinidad
• Wellington
• Westminster
• Wheat Ridge
• Windsor
• Woodland Park
• Yuma

Local agents provide more personalized service by building relationships with their clients. Also, a local agent can provide specific area recommendations for automotive services, such as auto body shops and glass repair facilities.

For more than 100 years, USAA has been insuring active members of the military, veterans and their families, including those who drive for rideshare companies. In addition, the insurance company offers multiple ways to save on premiums and has a robust mobile app.

Serving Rideshare Drivers

If you drive for a rideshare company, such as Lyft or Uber, you need additional coverage specific to your job because your personal auto insurance doesn’t cover commercial driving. On the other hand, your rideshare company’s coverage covers you only when the customer is in the car, not when you’re waiting to be matched or driving to pick up a customer. That’s where rideshare coverage comes in.

USAA’s rideshare insurance provides vehicle protection by guaranteeing repairs at more than 2,900 USAA-approved facilities across the U.S. You can tailor your coverage, deductibles and limits to fit your budget and needs as well.

Discounts

One way USAA provides competitive rates is through its extensive range of discounts, resulting in some of the cheapest auto insurance in Colorado. From bundling to safe driving, there are many ways to save with USAA:

• Auto-pay: You can get up to 3 percent savings off your auto premium when you pay via automatic payments.
• Bundling: USAA gives you up to 10 percent savings if you bundle auto insurance with homeowners’ or renters’ insurance.
• Good student: Full-time students get discounts if they maintain at least B averages.
• Low mileage: If you don’t drive your vehicle much, you could qualify for a discount through USAA’s usage-based mileage program.
• Military on-base: If you garage your car on a military base, you’ll save up to 15 percent on your comprehensive coverage premium.
• Multivehicle: You’ll save with two or more vehicles on your policy.
• New car: If your vehicle is less than three years old, USAA will give you a discount.
• Safe driving: SafePilot, USAA’s safe driving program, offers you up to 30 percent total on your auto insurance costs. For enrolling in SafePilot, you’ll receive a 10 percent discount. After you install the USAA SafePilot app on your smartphone, the app will track how well you’re driving and log your trips automatically. At your next policy renewal, the company will give you a new rate based on your actual driving behaviors, then will reset your driving score for the next policy period.
• Vehicle equipment: Installing an anti-theft device in your car can net you a discount.

Robust Mobile App

USAA offers a well-rated mobile app. Android users rated the app 4.3 stars in the Google Play Store, while Apple users gave the app 4.8 stars in the App Store. Here’s what you can do with the USAA mobile app:

• Access auto insurance ID cards, such as proof of insurance.
• Add vehicles and drivers.
• Change your coverage.
• File and manage claims.
• Pay your bills.
• Request roadside assistance.