Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 7, 2020

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Key takeaways...

  • Regardless of where you live, you must maintain that state’s minimum requirement for car insurance in Colorado
  • Armed Forces Insurance writes policies for military personnel and their families
  • Geico is a favorite among Colorado residents

Automobile insurance is regulated very closely because everyone must carry minimum levels of car insurance.

Insurance shoppers must develop savvy to save money by asking for all possible auto insurance discounts while purchasing sufficient coverage to mitigate risk of loss.

When the coverage offered is compared, the driver finds that every insurance company has different types of car coverage packaged together.

Certain aspects of the driver’s profile will impact the annual premium charged by each insurance company.

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Table of Contents

Driver Profile

One minor change to any of the following factors can raise or lower the annual auto insurance premium by a significant amount.

Whenever a driver has the ability to improve one of these factors, the savings can be substantial.

Where you live is important. High-crime areas raise the risk of loss for the insurance company, and that cost will be passed on to the consumer.

If a car is kept in a locked garage, the insurer will lower the rate because some of the risk has been mitigated. Anti-theft devices can earn discounts from the insurer.

Moving violations and speeding tickets will play a significant role in the calculation of the annual premium. Three full years without any marks on the driving record will demonstrate responsible driving habits on the part of the driver.

Very young drivers are considered high-risk drivers in every state.

Experienced drivers with safe driving records pay the lowest auto insurance premiums. After a certain age, a driver enters a class of driver that is considered higher risk.

Advanced driver training enhances driving skills during inclement weather and other high-risk conditions. One day in class can save hundreds of dollars for the young driver or the senior citizen who might need some skill refreshers.

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Top 10 Insurance Companies in Colorado

Dozens of companies sell auto insurance in Colorado, and each one will offer sufficient coverage for most classes of drivers and vehicles.

In alphabetical order, these insurance companies sell insurance within the boundaries of Colorado according to the insurance commissioner’s website.

1.  Allstate Insurance

With a vast network of local agents, Allstate has been underwriting auto insurance in Colorado for many years.

Agents strive to keep the insurance coverage up to date as the policyholder’s situation changes.

Many discounts and optional coverage types are available.

2. American Mutual

Emphasizing safe driving for the entire family has been the goal of American Family for decades.

Discounts are offered for multiple vehicles, good students, safety features like airbags, accident-free drivers and good drivers.

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3. Armed Forces Insurance Exchange

With an emphasis on the military personnel and their families, Armed Forces Insurance underwrites insurance in 10 states, including Colorado.

Superior customer services and competitive rates set this insurer apart.

Optional coverage types are available for policies that must cover certain automobile features and types.

4. Farmers Insurance Exchange

Whether the auto insurance is for a standard vehicle or a collectible, Farmers insurance has a wide variety of insurance products that can be tailored for the individual.

Superior claims service is one of the reasons that existing customers stay with Farmers year after year.

5. Geico

For many years, Geico has been offering lower rates to drivers in every class.

Each policy is written to provide the best possible coverage at the lowest annual premium.

Deductibles can be adjusted for personal needs, and many different discounts are available for those who qualify.

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6. National Interstate

Specialty vehicles, like recreational and combination vehicles, are insured through National Interstate.

This company was established for large fleet insurance but found a niche in the coverage of personal specialty lines of insurance.

7. Progressive Direct Insurance Company

Since 1937, Progressive has been underwriting auto insurance.

As one of the largest auto insurers, the competitive rates, and excellent customer service retain policyholders through multiple renewals.

Discounts and optional coverage are available to those with special requirements and good driving records.

8. Shelter Insurance

Since 1946, Shelter has been underwriting insurance for property of many types in 14 states, including Colorado.

Local agents work with policyholders to construct the right combination of coverage for each situation.

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9. State Farm Mutual Automobile Insurance Company

Since 1922, State Farm has been underwriting auto insurance policies. Affordable rates for appropriate coverage are one of the most important factors for any driver.

10. USAA Insurance

Specializing in offering auto insurance to members of the military and their families has been the reason for USAA to exist since 1922.

Military service members trust USAA to stay true to the founding values of integrity, honesty, loyalty, and service.

Final Evaluation

Car insurance comparison between insurance companies is time-consuming because the coverage is more important than the annual premium.

When an accident occurs, the insured driver must know that their loss is covered.

Colorado car insurance law requires that every driver carry sufficient liability insurance to cover the damage that can result to another person’s property in a crash.

Most drivers will carry sufficient insurance coverage to repair or replace their personal vehicle.

Mitigating loss is the reason to carry insurance and the policyholder must read the policy information to ensure that the actual coverage matches what was assumed to be purchased.

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References:

  1. https://dmv.ny.gov/get-my-own-lifetime-driving-record
  2. http://find-a-driving-school.ca/10-benefits-of-defensive-driving-you-probably-didnt-know/
  3. https://www.allstate.com/
  4. https://www.amfam.com/
  5. https://www.afi.org/
  6. https://www.farmers.com/companies/exchange-update/
  7. https://www.geico.com/
  8. https://www.nationalinterstate.com/
  9. https://www.progressive.com/
  10. https://www.shelterinsurance.com/
  11. https://www.statefarm.com/
  12. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true&akredirect=true