Best car insurance in Colorado for 2025

Why Geico made our list: Geico is known for offering low premiums, and the company’s average rates in Colorado are no exception. However, it may be worth noting that Geico offers fewer coverage options compared to other major carriers, meaning its policies may be better suited for Colorado drivers seeking basic coverage. Geico offers a generous list of discounts to help you save additional money on your policy, which could make up for its limited add-ons. Overall, Geico has solid third-party ratings, with a Bankrate Score of 4.3 out of 5.0. In addition, Geico earned a 2025 Bankrate Award as Best Auto Insurance Company for High-Risk Drivers, so if you have marks on your license, it may be worth asking for a quote. However, in J.D. Power’s 2024 U.S. Auto Insurance Study, Geico ranked below the industry average in Colorado.

Who Geico may be good for: If saving money is your primary concern, you may want to get a quote from Geico. The company’s low average rates coupled with its lengthy list of discounts may make it an attractive option for drivers with a tighter auto insurance budget.

Why Progressive made our list: Progressive could be an excellent choice for drivers new to car insurance because of its Name Your Price tool. The Name Your Price tool makes tailoring an affordable coverage package easy — shoppers simply enter their budget and coverage needs, and the Name Your Price tool provides coverage packages based on this information. The company also offers an assortment of product lines in addition to auto insurance, including home insurance, business insurance and even Segway insurance. However, Progressive received below-industry-average scores from J.D. Power for customer and claims satisfaction. This indicates previous customers may have felt the service they received from Progressive was lacking.

Who Progressive may be good for: Young drivers may find Progressive a good option since the company's Name Your Price tool makes it easy to adjust the numbers and find a policy that works for their budgets. Progressive also has a handful of discounts that might help young drivers lower their payment, such as teen driver, good student and distant student discounts.

Why State Farm made our list: State Farm remains the largest auto insurer in the U.S. with 18 percent of the market share. The company has hundreds of exclusive local agents throughout Colorado, so if you prefer to handle your insurance needs in person, State Farm may be a good choice. State Farm also has online and mobile app capabilities for digital policy management, and it ranked sixth for service in the 2024 J.D. Power U.S. Insurance Digital Experience Study. In addition, State Farm offers a full line of insurance products, including auto, home and life insurance, making it a good option for one-stop insurance shopping. If you are hoping to customize your policy to fit your circumstances, you should be aware that State Farm offers fewer endorsements than some of its competitors.

Who State Farm may be good for: The company has hundreds of exclusive local agents throughout communities across Colorado, so if you would prefer to talk to an agent in person who can answer your questions rather than handle your policy digitally, they may be an option worth considering.

Why Auto-Owners made our list: Auto-Owners offers a good range of coverage options, including loan or lease gap, rental auto gap and road trouble service for Colorado drivers. There's a generous list of discounts available as well, including three focused on teen and student drivers. It also typically has a low average rate for full coverage in the Centennial State. If you prefer to manage your policy digitally, however, Auto-Owners might not be your first pick. The company places below average for both shopping and service in J.D. Power's digital experience survey. 

Who Auto-Owners made be good for: If superior customer service is high on your list of must-haves, you may want to know that Auto-Owners placed second in J.D. Power's overall customer satisfaction index for 2024. That suggests a company that listens to its policyholders and does the legwork needed to ensure they are happy with their coverage.

Why Allstate made our list: Allstate’s Drivewise telematics program may appeal to drivers looking for low rates, as the app may lead to a lower rate if you consistently drive safely and carefully. However, note that risky driving behaviors may increase the price you pay. Allstate also offers perks you may not find with another company, such as new car replacement, gap insurance and accident forgiveness. However, the company scored below the regional average in the J.D. Power 2024 U.S. Auto Insurance Study.

Who Allstate may be good for: Individuals with a clean driving record and a reputation for safe driving may find Allstate's Drivewise program appealing. You could earn a 10 percent discount just for signing up — and more if you drive safely.