Fact CheckedKey takeaways
GEICO is our top pick for Colorado drivers based on our analysis of factors like financial strength, customer experience and discount options.
Progressive offers the best affordable car insurance compared to other companies.
Acuity receives the fewest customer complaints compared to similar-sized insurers, according to data from the National Association of Insurance Commissioners (NAIC).
American Family offers some of the best coverage add-ons for Colorado drivers.
Travelers combines affordable rates with lots of discount and coverage options.
NerdWallet’s editorial team collected and analyzed data on 18 auto insurers that sell policies in Colorado. We then scored each one for a variety of factors to determine the best car insurance companies in the state. A few of the things we consider are financial stability, customer satisfaction, digital experience and discount offerings.
Our top picks for February 2026 are:
Category winner | NerdWallet star rating |
|---|---|
Best overall pick: GEICO | |
Best budget pick: Progressive | |
Best customer satisfaction: Acuity | |
Best coverage add-ons: American Family | |
Best ways to save: Travelers |
- How we found the best car insurance companies
For our list of the best car insurance companies, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
- Why you can trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Best overall pick: GEICO
GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Fewer complaints than expected for a company of its size.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why we picked it: In our February 2026 analysis, GEICO earned the best possible ratings for savings options and financial strength, which indicates how reliably a company is at paying out claims. GEICO also scored highly for its online experience because of its app and website functionality, making it our top choice overall for Colorado drivers.
- Standout benefits
Number of discounts. GEICO’s list of discounts is long and diverse. You can get discounts for things like driving a new car, being a federal employee, serving in the military and getting your quote online.
Digital experience. The GEICO mobile app has high ratings for both Android and Apple devices. Its website provides helpful information about car insurance, including how much you can save with each discount.
» Read more: GEICO auto insurance review
- Average rates in Colorado
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,550 $488 One speeding ticket, good credit $3,057 $653 One at-fault crash, good credit $4,965 $948 One DUI, good credit $6,732 $1,243 Clean driving record, poor credit $3,372 $609 Rates refreshed February 2026.
Best budget pick: Progressive
Progressive
- Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
- If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
- Rideshare coverage available.
- Below average rating for claims satisfaction from J.D. Power.
Why we picked it: We compared average rates from our top-ranked insurers in Colorado and found that Progressive was often the cheapest option for most driver types, according to our February 2026 rates analysis. In addition to its affordable rates, Progressive offers an excellent selection of optional coverages that make it a top choice.
- Standout benefits
Excellent mobile experience. Progressive’s mobile app has high ratings in both the Google Play and Apple App stores. Additionally, you can start a new policy entirely online, and take advantage of Progressive’s online tools to adjust your coverage or even your initial price.
Teen driver discount. Teens and young adults can be the most expensive drivers to insure. Progressive offers a discount for adding a teen driver to your policy, which may help manage that cost.
Coverage add-ons. If you have a policy with comprehensive and collision coverage, Progressive will pay for up to $1,000 of veterinarian bills if your pet is injured in a situation covered by your car insurance. You can also choose to add minor dents or mechanical repair, custom parts and gap coverages to your policy. You might also be able to get rideshare insurance, which covers drivers for both rideshare and delivery services.
» Read more: Progressive auto insurance review
- Average rates in Colorado
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,154 $404 One speeding ticket, good credit $3,385 $730 One at-fault crash, good credit $3,803 $905 One DUI, good credit $3,129 $642 Clean driving record, poor credit $3,527 $620 Rates refreshed February 2026.
Best customer satisfaction: Acuity
Acuity
- Few consumer complaints.
- Offers many coverage options.
- Doesn't sell rideshare insurance.
Why we picked it: We consider customer satisfaction scores when comparing insurers. Drivers can file complaints about a company to their state’s insurance commissioner, and we review this data as reported by the National Association of Insurance Commissioners (NAIC). When we analyzed the complaint numbers for top insurers in Colorado, we found that Acuity had the best score compared to similar sized companies.
- Standout benefits
Coverage packages. Acuity groups several add-ons into a single endorsement. This package includes perks like reimbursing you for veterinarian bills if your pet is injured in an accident, and travel expenses if you are involved in an accident while away from home.
Full glass coverage. Add this coverage to your policy and you won’t have to worry about paying your policy’s comprehensive deductible to repair a damaged window or windshield. (This is the amount you pay out of pocket when you file a claim.)
Gap coverage. Acuity will cover the difference between your vehicle’s current value and how much you owe on its loan or lease if you have this included on your policy.
- Average rates in Colorado
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $4,944 $790 One speeding ticket, good credit $10,022 $1,835 One at-fault crash, good credit $8,764 $1,566 One DUI, good credit $10,400 $1,835 Clean driving record, poor credit $7,765 $1,163 Rates refreshed February 2026.
Best coverage add-ons: American Family
American Family
- Fewer customer complaints than expected for a company its size for auto and life insurance.
- Many coverage types offered.
- Wide range of discounts.
- Not available in all states.
Why we picked it: American Family offers more coverage options than other companies, including some on our list of the top picks in Colorado. It’s also a great choice if you can combine your insurance policies — we included American Family on our list of the best home and auto insurance bundles because of perks like diminishing deductibles and bundle savings of up to 40%.
- Standout benefits
Accident forgiveness. American Family offers accident forgiveness as an optional coverage to keep your rates from increasing after your first accident. You might even qualify for free if you have a history of safe driving.
Packaged travel coverage. You can opt into a car insurance bundle that includes rental reimbursement coverage, roadside assistance and help with travel expenses if you’re involved in an accident away from home. This package also covers accidental death and dismemberment to help you manage the costs of dealing with serious losses, regardless of which driver was at fault.
Optional coverages. You can add on features like original equipment manufacturer (OEM), rideshare and gap insurance to meet your coverage needs.
» Read more: American Family auto insurance review
- Average rates in Colorado
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,086 $1,047 One speeding ticket, good credit $3,310 $1,167 One at-fault crash, good credit $3,723 $1,402 One DUI, good credit $4,024 $1,589 Clean driving record, poor credit $4,469 $1,475 Rates refreshed February 2026.
Best ways to save: Travelers
Travelers
- Received fewer customer complaints than expected for auto insurance.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Rideshare insurance is not available in all states.
Why we picked it: Travelers was one of the best budget-friendly options for Colorado drivers, based on our analysis of average rates from our top-ranked insurers. In addition to offering an excellent digital experience and a wide selection of coverage add-ons, Travelers also has lots of discounts to help you keep your car insurance affordable.
- Standout benefits
Accident forgiveness. You might be eligible for two different accident forgiveness plans.
Decreasing deductible. If you enroll in Travelers’ premier safe driver plan, then driving safely could lower the cost of your deductible. Travelers’ safe driver plan also removes your deductible if your car is totaled.
Bundling discount. You might be eligible for a car insurance discount from Travelers if you own a home or condo, even if you insure it through a different provider.
Coverage add-ons. Travelers offers both gap coverage and new car replacement as policy add-ons, and you might also be able to get rideshare coverage too.
» Read more: Travelers auto insurance review
- Average rates in Colorado
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,714 $749 One speeding ticket, good credit $3,423 $1,000 One at-fault crash, good credit $3,591 $1,075 One DUI, good credit $4,802 $1,394 Clean driving record, poor credit $4,564 $1,234 Rates refreshed February 2026.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Other top car insurance companies in Colorado
If you’re looking for more top car insurance companies in Colorado, here are a few more top insurers that earned a NerdWallet star rating of 4.5 or higher. Each one could be a great choice, depending on your driving history and coverage needs.
Company | Why we picked it |
|---|---|
Best regional insurer | |
Best for high-risk drivers | |
Best for older drivers | |
USAA* | Best for military households |
*USAA is available only to members of the military, veterans and their families. | |
- Find more auto reviews from NerdWallet
How much does car insurance cost in Colorado?
Your car insurance costs may change every year, or even every month. Insurers look at a wide range of details when they set pricing, including your age, vehicle information, driving history and coverage needs. External things like the economy and even weather trends can also influence insurance prices.
However, location is one of the biggest factors that can affect your car insurance costs. Our car insurance calculator can show you the average rates in your area to give you a better idea of what you could expect to pay.
Enter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0- How much car insurance drivers in Colorado need
Colorado drivers are required to carry liability car insurance, which helps pay for others' injuries or property damage if you're responsible for a crash.
The minimum coverage levels you must buy in Colorado are:
Bodily injury liability insurance that pays up to $25,000 per person injured, and up to a total of $50,000 per accident.
Property damage liability insurance that pays up to $15,000 per accident.
Colorado’s car insurance requirements may cover the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. But we recommend buying more than the minimum to avoid being left vulnerable to lawsuits or major accident bills.
You can also consider adding optional coverage types such as collision and comprehensive insurance, which pay for damage to or theft of your own car. A minimum insurance policy in Colorado won’t cover this type of damage if you’re at fault for an accident.
How to choose the right insurer
Every driver is different, and that can make it hard to figure out which insurance company is the best option for you. Here are a few things you should expect from any top insurer:
Affordable pricing so you can actually get a policy. (This includes having a good variety of discounts.)
Coverage options in case you need specialty coverage or want more than the standard coverage limits.
Great customer service that can simplify the claims process if or when you need it.
Reliable reputation so you can have peace of mind that the company will be there for you.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
