Car insurance in Colorado, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Colorado car insurance coverage isn't just something that drivers in the "Centennial State" should have; it's something they
have.
Colorado auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Colorado, you need auto insurance in Colorado. Here's what kind and how much, according to Colorado state law:
Browse Colorado auto insurance rates online
If you need Colorado auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Colorado, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Colorado car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Colorado car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Colorado and all provide competitive Colorado auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Colorado are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Colorado.
Get car insurance in Colorado from local and regional companies
In Colorado, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Colorado, try Colorado-based companies like
Colorado Casualty,
Colorado Farm Bureau Insurance and
COPIC Companies. Also consider local programs, like the
Colorado Motor Vehicle Insurance Plan, which is designed for drivers who can't easily find auto insurance in Colorado.
Use an independent agent to find Colorado car insurance bargains
Buying car insurance in Colorado via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Colorado, use the “find an independent agent” feature at the
Independent Insurance Agents of Colorado website.
Choose Colorado auto insurance companies that you can trust
Before doing business with Colorado car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Colorado. Another good resource is the
Colorado Division of Insurance, which licenses
auto insurance companies in Colorado and compiles statistics on
complaints against them.
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