Finance
Best Car Insurance in Colorado for 2023 – NerdWallet
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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.
How we found the best car insurance in Colorado
Why you can trust NerdWallet
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.
American Family
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

American Family
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.)
🤓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.
State Farm
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
State Farm
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.
Best for customer satisfaction

Country Financial
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

Country Financial
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.
State Farm
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
State Farm
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.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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*USAA is only available to military, veterans and their families. |
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