Compare car insurance in Colorado

If you plan to drive in Colorado, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Colorado’s average annual car insurance cost of around $1,450.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Colorado
• List of insurance companies in Colorado

Colorado auto insurance providers

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Most popular Colorado auto insurance companies list

Company	Direct premiums written (billions)	Market share
State Farm	$922,812	18.3%
Progressive	$551,300	10.9%
USAA	$529,385	10.5%
Geico	$491,025	9.8%
Allstate	$444,700	8.8%
American Family	$404,893	8.0%
Liberty Mutual	$364,933	7.2%
Farmers	$335,417	6.7%
Travelers	$160,154	3.2%
Nationwide	$91,776	1.8%

Average car insurance costs for drivers in Colorado

In Colorado the average annual cost for auto insurance ranges from $1,200-1,450 — and you can probably expect to pay a price somewhere in that range. However, because costs tend to vary so much between insurance providers and individual drivers, you could just as easily fall outside that range.

Which city has the cheapest car insurance in Colorado?

Of Colorado’s largest cities, Greeley has the cheapest rates and Aurora has the most expensive car insurance rates. Aurora drivers could face rates 10 times more than Greeley drivers.

• Aurora
• Longmont
• Parker
• Denver
• Greeley

State minimum requirements in Colorado

In order to drive legally in Colorado you’ll need liability insurance, which includes:

• $25,000 per person for bodily injury.
• $50,000 per accident for bodily injury.
• $15,000 per accident for property damage.

When shopping for car insurance, you’ll sometimes see this written as 25/50/15.

Uninsured motorist coverage protects you if you get into a car accident with someone who is at–fault for the accident but doesn’t carry insurance. Some states require that you carry this type of insurance. Colorado is an opt-out state, so insurance companies are required to offer you uninsured motorist (UM/UIM) coverage, but you can sign a waiver to deny it. In 2008, Colorado expanded its restrictions on insurance companies to also require that they offer UM/UIM coverage in the same amounts that you select for bodily injury liability limits.

Car insurance for high-risk drivers in Colorado

Can’t get covered with a traditional or affordable provider? If you’ve been denied coverage because you’re considered a high-risk driver, you can still find insurance through the Western Association of Automobile Insurance Plans (WAAIP).

WAAIP assigns you an affordable provider in its network of insurance companies. Any extra risks you pose to the insurer are negated by spreading it out across the network of participating companies.

Can I get SR-22 insurance in Colorado?

You might need an SR-22 in Colorado if you’ve gotten a DUI, lost your license or have too many points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel. You’ll be notified by your state DMV if you’re required to file an SR-22.
How long should your disability elimination period last?

Bottom line

Minimum car insurance requirements in Colorado can be affordable if you’re willing to shop around and compare providers, policies, discounts and rates. Plus, given Colorado’s substantial consequences for uninsured drivers, it hardly makes sense to go without auto insurance.

Compare your car insurance options, from costs to regulations to little-known discounts and deals, to find the best insurance for you.

Frequently asked questions about car insurance in Colorado

• Is my out-of-state insurance policy acceptable in Colorado?

  Depending on your car insurance provider, you may be able to keep your plan when moving into Colorado. Contact your insurance agent for more information on moving policies.

• What if I can’t find an auto insurer because of my driving history?

  Colorado participates in the Western Association of Automobile Insurance Plans (WAAIP), which helps high-risk drivers find car insurance. If you’re a high–risk driver, ask an insurance agent to help you apply. However, WAAIP policies tend to be much more expensive than typical insurance rates, so make sure that you’ve looked into your other options before deciding to use WAAIP.