Best High Coverage Auto Insurance for Colorado

Colorado Car Insurance State Minimums

Coverage Type

Key points

Bodily Injury Liability ($25,000 limit per person/$50,000 limit per accident)
Property Damage Liability ($15,000 limit)
Uninsured Motorist (Not required)
Underinsured Motorist (Not required)
Medical Expenses (Not required)
Collision (Not required)
Comprehensive (Not required)

Car Insurance Cost in Colorado?

In Colorado, the average yearly cost of vehicle insurance is $1,683. Based on our Best Car Insurance Companies of 2023 ratings, this is somewhat more than the national average of $1,442. In comparison to neighbouring states’ typical policy costs, such as Kansas ($1,519), Utah ($1,361), and Wyoming ($1,571), Colorado has higher auto insurance policy rates.

COMPANY	AVERAGE RATE
Allstate	$2,130
American Family Insurance	$2,046
Farmers	$2,261
Geico	$1,177
Nationwide	$1,422
Progressive	$1,792
State Farm	$1,435
USAA	$1,203
Average	$1,683

Cheap Car Insurance in Colorado

Geico offers the lowest vehicle insurance rates in Colorado, charging an average of $1,177, according to our research. Farmers, on the other hand, has the highest rates, costing $2,261 on average.

The cost of vehicle insurance in Colorado is determined by a variety of factors, including where you reside, how much you drive, and your credit score. Individual rates are also affected by age, marital status, driving record, automobile type and model, and other criteria.

Colorado Rates for Drivers

Teen drivers had the highest vehicle insurance premiums, with 17-year-old males and women paying $6,319 and $5,653, respectively. State Farm offers the lowest female rates, average $3,563, while Geico has the lowest male rates, averaging $3,907.

COMPANY	17-YEAR-OLD FEMALE	17-YEAR-OLD MALE
Allstate	$5,904	$6,524
American Family Insurance	$3,794	$4,072
Farmers	$10,186	$11,055
Geico	$3,744	$3,907
Nationwide	$4,813	$5,691
Progressive	$9,856	$10,910
State Farm	$3,563	$4,524
USAA	$3,369	$3,873
Average	$5,654	$6,319

COMPANY	25-YEAR-OLD FEMALE	25-YEAR-OLD MALE
Allstate	$2,233	$2,315
American Family Insurance	$2,274	$2,368
Farmers	$2,430	$2,591
Geico	$1,163	$1,187
Nationwide	$1,683	$1,823
Progressive	$2,143	$2,179
State Farm	$1,533	$1,783
USAA	$1,384	$1,512
Average	$1,855	$1,970

COMPANY	60-YEAR-OLD FEMALE	60-YEAR-OLD MALE
Allstate	$1,928	$1,928
American Family Insurance	$1,838	$1,850
Farmers	$2,012	$2,146
Geico	$1,142	$1,256
Nationwide	$1,132	$1,251
Progressive	$1,525	$1,521
State Farm	$1,252	$1,252
USAA	$1,041	$1,055
Average	$1,484	$1,532

Colorado Rates for Good Drivers

COMPANY	CLEAN RECORD
Allstate	$2,130
American Family Insurance	$2,046
Farmers	$2,261
Geico	$1,177
Nationwide	$1,422
Progressive	$1,792
State Farm	$1,435
USAA	$1,203
Average	$1,683

If you need auto insurance for colorado I Think The Hub be a best choice because HUB understands that finding the ideal auto insurance for your vehicle can be difficult to fit into a busy schedule.

Partnering with HUB will better protect your assets, your family and your financial future from risk.

A HUB expert will work with you to provide the correct level of coverage and make the most of your time on the go. This tailored program helps you understand options, manage costs and plan ahead.