Cheapest Car Insurance Companies in Colorado – Finding affordable car insurance in Colorado can be challenging, especially with the varying rates offered by different companies. This guide will provide an in-depth look at the cheapest car insurance options available in Colorado, including detailed information about the top insurance providers, their pricing, customer reviews, pros and cons, and comparisons. Additionally, we will address frequently asked questions about car insurance in Colorado to help you make an informed decision.
What is Car Insurance?
Car insurance is a contract between a vehicle owner and an insurance company that provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Car insurance can also offer financial protection against theft of the vehicle and damage to the vehicle sustained from events other than traffic collisions.
FAQs about Cheapest Car Insurance in Colorado
- What is the cheapest full coverage car insurance in Colorado?
- The cheapest full coverage car insurance in Colorado is typically offered by companies like GEICO, State Farm, and Progressive, depending on the driver’s profile and specific circumstances.
- Who is known for the cheapest car insurance?
- GEICO and State Farm are often recognized for offering some of the most affordable car insurance rates nationwide, including in Colorado.
- How much does car insurance cost in Colorado per month?
- On average, car insurance in Colorado costs around $120 to $180 per month for full coverage. However, rates can vary based on several factors, including age, driving history, and the type of vehicle.
- What type of car insurance is cheapest?
- Liability-only car insurance is typically the cheapest option, as it only covers damages to other people and their property and does not cover the policyholder’s vehicle or personal injuries.
- What is the lowest form of car insurance?
- The lowest form of car insurance is usually the minimum liability coverage required by the state, which covers bodily injury and property damage to others in an accident you cause.
- What is the lowest category for car insurance?
- The lowest category for car insurance typically refers to minimum liability coverage, which meets the state’s legal requirements but offers no protection for your own vehicle.
- Which type of car insurance is best?
- The best type of car insurance depends on individual needs and circumstances. Full coverage, which includes liability, collision, and comprehensive coverage, is generally considered the best for comprehensive protection.
- What are the three types of car insurance?
- The three main types of car insurance are:
- Liability Insurance: Covers damages to others in accidents you cause.
- Collision Insurance: Covers damages to your vehicle in accidents.
- Comprehensive Insurance: Covers damages to your vehicle from non-collision events such as theft, fire, and natural disasters.
- The three main types of car insurance are:
Top 10 Cheapest Car Insurance Companies in Colorado
1. GEICO
- Website: www.geico.com
- Contact Info: 1-800-207-7847
- Address: 5260 Western Avenue, Chevy Chase, MD 20815
- Pricing: Starting at $25/month
- Customer Reviews:
- “Affordable and reliable.”
- “Excellent customer service.”
- “Easy to file claims.”
- “Great mobile app.”
- “Competitive rates.”
- “Quick response times.”
- “Helpful agents.”
- “User-friendly website.”
- “Good coverage options.”
- “Trustworthy company.”
Pros:
- Affordable premiums
- Extensive online tools
- Good customer service
Cons:
- Mixed reviews on claims handling
2. State Farm
- Website: www.statefarm.com
- Contact Info: 1-800-782-8332
- Address: One State Farm Plaza, Bloomington, IL 61710
- Pricing: Starting at $30/month
- Customer Reviews:
- “Excellent customer service.”
- “Easy to file claims.”
- “Competitive rates.”
- “Helpful agents.”
- “User-friendly app.”
- “Comprehensive coverage.”
- “Good discounts.”
- “Reliable company.”
- “Quick response times.”
- “Great for young drivers.”
Pros:
- Excellent customer service
- Comprehensive coverage options
- Good discounts
Cons:
- Higher premiums for some drivers
3. Progressive
- Website: www.progressive.com
- Contact Info: 1-800-776-4737
- Address: 6300 Wilson Mills Road, Mayfield Village, OH 44143
- Pricing: Starting at $28/month
- Customer Reviews:
- “Great rates.”
- “Helpful customer service.”
- “Easy claims process.”
- “User-friendly website.”
- “Good coverage options.”
- “Discounts available.”
- “Reliable service.”
- “Good for high-risk drivers.”
- “Quick response times.”
- “Comprehensive app.”
Pros:
- Affordable rates
- Good for high-risk drivers
- User-friendly website and app
Cons:
- Customer service can be inconsistent
4. USAA
- Website: www.usaa.com
- Contact Info: 1-210-531-8722
- Address: 9800 Fredericksburg Road, San Antonio, TX 78288
- Pricing: Starting at $20/month (for military members and their families)
- Customer Reviews:
- “Excellent customer service.”
- “Great rates for military families.”
- “Easy claims process.”
- “Comprehensive coverage options.”
- “User-friendly website.”
- “Good discounts.”
- “Reliable service.”
- “Quick response times.”
- “Trusted by military members.”
- “Top-notch roadside assistance.”
Pros:
- Excellent rates for military members
- Comprehensive coverage options
- Outstanding customer service
Cons:
- Limited to military members and their families
5. Allstate
- Website: www.allstate.com
- Contact Info: 1-800-255-7828
- Address: 2775 Sanders Road, Northbrook, IL 60062
- Pricing: Starting at $35/month
- Customer Reviews:
- “Good coverage options.”
- “Helpful customer service.”
- “User-friendly website.”
- “Competitive rates.”
- “Easy to file claims.”
- “Good discounts.”
- “Reliable service.”
- “Quick response times.”
- “Great mobile app.”
- “Trusted brand.”
Pros:
- Good coverage options
- User-friendly website and app
- Reliable customer service
Cons:
- Higher premiums for some drivers
6. Liberty Mutual
- Website: www.libertymutual.com
- Contact Info: 1-800-290-8711
- Address: 175 Berkeley Street, Boston, MA 02116
- Pricing: Starting at $30/month
- Customer Reviews:
- “Great customer service.”
- “Competitive rates.”
- “Comprehensive coverage.”
- “User-friendly website.”
- “Good discounts.”
- “Easy claims process.”
- “Reliable service.”
- “Quick response times.”
- “Helpful agents.”
- “Trusted company.”
Pros:
- Competitive rates
- Comprehensive coverage options
- Good customer service
Cons:
- Mixed reviews on claims handling
7. Farmers Insurance
- Website: www.farmers.com
- Contact Info: 1-888-327-6335
- Address: 6301 Owensmouth Avenue, Woodland Hills, CA 91367
- Pricing: Starting at $35/month
- Customer Reviews:
- “Good coverage options.”
- “Helpful agents.”
- “User-friendly website.”
- “Competitive pricing.”
- “Easy claims process.”
- “Reliable service.”
- “Good discounts.”
- “Responsive customer support.”
- “Trusted brand.”
- “Great mobile app.”
Pros:
- Good coverage options
- User-friendly website and app
- Reliable customer service
Cons:
- Higher premiums for some drivers
8. Nationwide
- Website: www.nationwide.com
- Contact Info: 1-877-669-6877
- Address: One Nationwide Plaza, Columbus, OH 43215
- Pricing: Starting at $35/month
- Customer Reviews:
- “Good coverage options.”
- “Helpful agents.”
- “User-friendly website.”
- “Competitive pricing.”
- “Easy claims process.”
- “Reliable service.”
- “Good discounts.”
- “Responsive customer support.”
- “Trusted brand.”
- “Great mobile app.”
Pros:
- Good coverage options
- User-friendly website and app
- Reliable customer service
Cons:
- Higher premiums for some drivers
9. American Family Insurance
- Website: www.amfam.com
- Contact Info: 1-800-692-6326
- Address: 6000 American Parkway, Madison, WI 53783
- Pricing: Starting at $30/month
- Customer Reviews:
- “Great customer service.”
- “Good coverage options.”
- “Competitive rates.”
- “User-friendly website.”
- “Good discounts.”
- “Easy claims process.”
- “Reliable service.”
- “Quick response times.”
- “Helpful agents.”
- “Trusted company.”
Pros:
- Great customer service
- Good coverage options
- Competitive rates
Cons:
- Limited availability in some areas
10. The General
- Website: www.thegeneral.com
- Contact Info: 1-844-328-0306
- Address: 2636 Elm Hill Pike, Nashville, TN 37214
- Pricing: Starting at $25/month
- Customer Reviews:
- “Affordable rates.”
- “Easy to get coverage.”
- “User-friendly website.”
- “Good for high-risk drivers.”
- “Quick response times.”
- “Comprehensive coverage options.”
- “Reliable service.”
- “Helpful agents.”
- “Easy claims process.”
- “Great customer support.”
Pros:
- Affordable rates
- Good for high-risk drivers
- User-friendly website
Cons:
- Limited coverage options
Comparison of Top 10 Cheapest Car Insurance Companies in Colorado
| Company | Starting Price | Pros | Cons |
|---|---|---|---|
| GEICO | $25/month | Affordable premiums, online tools | Mixed claims handling reviews |
| State Farm | $30/month | Excellent customer service, discounts | Higher premiums for some |
| Progressive | $28/month | Good for high-risk drivers, website | Inconsistent customer service |
| USAA | $20/month | Military benefits, customer service | Military members only |
| Allstate | $35/month | Coverage options, website, app | Higher premiums for some |
| Liberty Mutual | $30/month | Competitive rates, coverage options | Mixed claims handling reviews |
| Farmers Insurance | $35/month | Coverage options, customer support | Higher premiums for some |
| Nationwide | $35/month | Coverage options, website, app | Higher premiums for some |
| American Family | $30/month | Customer service, competitive rates | Limited availability |
| The General | $25/month | Affordable rates, user-friendly | Limited coverage options |
