The Best Car Insurance in Colorado for 2023

American Family is the best car insurance company in Colorado overall, according to NerdWallet’s analysis.
Drew Gula
By Drew Gula 
Updated
Edited by Ben Moore

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Different drivers look for different things when choosing the best car insurance in Colorado. You might want a company with a great mobile app, while someone else needs a small, local insurer. And because Colorado drivers may value certain features differently depending on where they live in the state, it can be difficult to figure out which company is the best fit for you.

NerdWallet did the hard work for you and analyzed 24 car insurance companies in Colorado to find the top picks for the following categories:

If you prefer to see a full list of the best car insurance companies in Colorado, you can jump to the bottom of this page.

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Colorado. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in Colorado overall

We compared 24 companies to find the best Colorado car insurance, and American Family had the highest overall NerdWallet star rating. Our star ratings focus primarily on factors that might affect a customer’s experience with the company.

Read our American Family auto insurance review to see why this insurer comes out on top.

Best star rating
insurance-product-card-logo

American Family

5.0

NerdWallet rating 
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best star rating
insurance-product-card-logo

American Family

5.0

NerdWallet rating 
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best Colorado car insurance for your budget

Getting the best of something usually means spending more money. But when it comes to getting the best car insurance in Colorado, the cheapest top-rated company is State Farm, which is also one of NerdWallet’s all-around top picks.

Our analysis showed that the average rate for full coverage insurance from State Farm is $1,358 per year or $113 per month for Colorado drivers. (However, your rate may be different.)

Read our State Farm auto insurance review to learn more.

🤓Nerdy Tip

We don’t have data for every single company that offers coverage to Colorado drivers, so compare car insurance rates from several companies to make sure State Farm is actually the cheapest.

Check out NerdWallet’s analysis of cheap car insurance in Colorado for a more detailed breakdown of the most affordable insurers in your state.

Best budget pick
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best budget pick
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best Colorado car insurance for customer satisfaction

Country Financial is the best car insurance company in Colorado when it comes to customer satisfaction, based on a comparison across auto insurers with a NerdWallet 5-star rating. The company had the fewest number of complaints to state regulators for a company of its size.

You can learn more about this insurer in our Country Financial auto insurance review.

Best for customer satisfaction
insurance-product-card-logo

Country Financial

5.0

NerdWallet rating 
Country Financial has few customer complaints for auto insurance but is available in only 19 states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best for customer satisfaction
insurance-product-card-logo

Country Financial

5.0

NerdWallet rating 
Country Financial has few customer complaints for auto insurance but is available in only 19 states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best Colorado car insurance for ease of use

State Farm is the best car insurance company in Colorado when it comes to ease of use. Drivers can manage their policy and submit claims online, and State Farm’s mobile app has excellent user ratings for both iOS and Android devices.

You can learn about more features in our State Farm auto insurance review.

Best for ease-of-use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for ease-of-use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Full list of the best car insurance companies in Colorado

Out of all 24 car insurers NerdWallet analyzed, here is the full list of the best car insurance companies in Colorado, all with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is only available to military, veterans and their families.

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.