Best car insurance in Colorado of 2026

Driving in Colorado could cost you.

Colorado ranks fifth on the list of states with the most expensive car insurance, according to online insurance marketplace Insure.com. The average full-coverage premium in Colorado is $3,222 annually, almost 28% higher than the national average.

Factors like the state's severe weather, which can lead to expensive car repair claims, and the high rate of uninsured motorists contribute to the high costs, per Insure.com.

One way to trim your costs is by shopping around to find the best coverage for your money.

Here's what you need to know about the best car insurance in Colorado.

Who's this for? Progressive's low rates allow Coloradans to get the coverage they need without hurting their budgets. Drivers can also save further with discounts like its online signing discounts and the company's Snapshot telematics program, which tracks your braking, acceleration, driving time and mileage, and includes a discount just for signing up.

Standout benefits: Progressive could be a good fit for households with multiple cars, as insuring two or more cars saves customers an average of 12%, according to the brand.

Who's this for? Colorado homeowners can save by bundling their property and auto insurance together. This brand offers a long list of discounts to help homeowners save on their coverage, and its parent company, American Family Insurance, earned top marks for customer satisfaction in homeowners insurance in J.D. Power's customer satisfaction surveys.

Standout benefits: Costco members can save even more with American Family CONNECT, thanks to its special discounts and perks like waived auto glass repair or replacement deductibles.

Who's this for? Teachers, educators, school employees and their families can find affordable rates with Horace Mann, as well as special features just for school-related activities.

Standout benefits: Horace Mann also offers homeowners insurance to bundle and save.

Who's this for? If your credit isn't great, or if you have a few blemishes on your driving record — like tickets or accidents — getting insurance is still possible with Bristol West. This brand specializes in covering these drivers and is available in Colorado.

Standout benefits: Bristol West has affordable payment plans that allow you to divide the cost of coverage over the year.

Who's this for? Younger drivers under age 25 can get affordable prices from AAA, and good students can save even more with a discount for maintaining a grade point average above 3.0.

Standout benefits: If you own a new car, AAA offers gap insurance that can help cover the difference between your car's remaining loan balance and its depreciated value if it's totaled — a feature not all insurers offer.

Who's this for? U.S. military members, veterans and their families can qualify for USAA's affordable rates. The brand's coverage is available in all 50 states, making it easier if you move out of state later.

Standout benefits: USAA's SafePilot Miles program is pay-per-mile option that is ideal for retirees and work-from-home professionals.

The average cost of car insurance in Colorado is $1,336 for six months, according to April 2026 data from The Zebra. However, not everyone in Colorado will pay the same amount.

Those in ZIP codes that are more urban tend to pay more than those in rural zip codes, so those who live in Denver or Boulder might pay more than those living in the eastern plains.

And, factors about you — and any other drivers on your policy — may also come into play. The amount you drive, your credit score, and your driving record will also influence the price you'll pay.

Finally, your car is a factor: those with more expensive cars and cars with more unique parts, like Teslas and electric vehicles, typically pay more for car insurance than more common, inexpensive cars.

According to the Colorado Department of Regulatory Industries' Division of Insurance, this state requires drivers to have at least $25,000 per person for bodily injury coverage, $50,000 of bodily injury coverage per accident and $15,000 for property damage coverage to drive legally in the state. This is sometimes written as 25/50/15.

Uninsured/underinsured motorist coverage in Colorado is optional. And, collision and comprehensive insurance are optional, unless you have an auto loan or lease that requires these coverages.

If you want to save on your car insurance in Colorado, there are a few steps you can take.

• Raise your credit score: Your credit score often determines how much you'll pay for car insurance, and it is considered a factor in Colorado. Giving your score a boost by paying bills on time and in full could mean savings on your premium.
• Increase your deductible: Your deductible is the amount you'd need to cover on your own if something unexpected happened to your car and you needed to file a claim. Opting for a higher deductible could lower your deductible, but you'll need to make sure you could reasonably cover it if you needed to.
• Bundle your home and auto insurance: Getting both your renters or homeowners insurance from the same company as your auto insurance typically yields a discount, sometimes as high as 20%.
• Pay in full and up front: Car insurance companies often tack on installment fees if you break up your payment over time. If you're able, paying for your policy in full could not only help you avoid these fees, but you could also get a discount.

Why trust CNBC Select?

At CNBC Select, our mission is to deliver high-quality service journalism and comprehensive consumer advice to our readers, enabling them to make informed financial decisions. Every car insurance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content independently of our commercial team and any outside third parties, and we pride ourselves on maintaining high journalistic standards and ethics.

CNBC Select reviewed more than 25 top car insurance companies offering policies in Colorado, focusing on cost, coverage, customer service, availability and online experience.

Information on average annual premiums is based on CNBC Select's review of the Colorado Department of Regulatory Agencies' Private Passenger Automobile Premium Comparison Report.

We incorporated customer satisfaction scores from J.D. Power, the National Association of Insurance Commissioners and the Better Business Bureau, as well as financial strength ratings from A.M. Best.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Based on that criteria, our selections for the best car insurance companies in Colorado are:

• Best for affordability: Progressive
• Best for bundling: American Family CONNECT
• Best for teachers: Horace Mann
• Best for bad credit or driving record: Bristol West
• Best for young drivers: AAA
• Best for military members and veterans: USAA

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