The Best Auto Insurance in Colorado

Allstate provides the best option for rideshare auto insurance in Colorado. Plus, Allstate has a stellar reputation, with an A+ rating from the Better Business Bureau (BBB).²

Coverage for Rideshare Drivers

Colorado’s Uber and Lyft drivers may not be aware that their Transportation Network Coverage only covers them when a passenger is in the car. However, it does not cover them when they’re driving to pick up a passenger or waiting to match with the next one. Personal auto insurance doesn’t cover any commercial activity like rideshare driving but, fortunately, Allstate offers rideshare coverage to fill in these gaps. You can either add a rideshare endorsement to your existing Allstate policy or purchase a completely separate rideshare policy.

Extended Vehicle Care Feature

With its extended vehicle care, commonly known as an extended warranty, Allstate provides more coverage for your vehicle beyond insurance. The company’s extended warranty protects you from repair costs after the manufacturer’s warranty lapses on your covered vehicles.

While most manufacturers’ warranties end after three years or 36,000 miles, whichever comes first, Allstate’s extended car warranty elongates the warranty to seven years or 100,000 miles. The extended vehicle care includes:

• Roadside assistance
• Alternative transportation costs for a rideshare or rental car during car repairs
• Trip interruption coverage up to $500 for lodging and meals if car trouble disrupts your travel plans.

Choose from one of the following extended warranty options:

Here’s how Allstate’s extended vehicle care works:

• If you need a tow, contact Allstate directly.
• For repairs, take your vehicle to the dealership or the mechanic of your choice.
• To use your warranty, the mechanic will let Allstate know of the necessary repair work.
• The company will pay the bill after you meet any applicable deductible.
• If your repairs take longer than a day, Allstate will cover your rental car or rideshare costs.

Local Agents

One of the benefits of Allstate is its network of local agents. Colorado has more than 50 local agents across the following cities:

• Arvada
• Aurora
• Boulder
• Brighton
• Broomfield
• Canon City
• Castle Pines
• Castle Rock
• Centennial
• Colorado Springs
• Commerce City
• Delta
• Denver
• Durango
• Edgewater
• Elizabeth
• Englewood
• Erie
• Falcon
• Fort Collins
• Glenwood Springs
• Golden
• Grand Junction
• Greeley
• Greenwood Village
• Highlands Ranch
• Johnstown
• Lafayette
• Lakewood
• Littleton
• Lone Tree
• Longmont
• Louisville
• Loveland
• Monument
• Northglenn
• Parker
• Pueblo
• Steamboat Springs
• Thornton
• Westminster
• Wheat Ridge
• Windsor

Multiple agents across many cities can connect you with insurance that meets your needs.

Liberty Mutual saves Colorado drivers money by bundling home and auto insurance and other insurance options for even more savings. Even if you don’t want to bundle policies, the company has multiple discounts to help your premiums drop even more.

Bundling Options

Liberty Mutual has a robust list of insurance options beyond auto insurance that you can consider. When you bundle your auto with homeowners or any policies listed below, you’ll save on your premiums:

• Antique and classic car
• ATV and off-road vehicle
• Boat and watercraft
• Business
• Condo
• Critical illness
• Flood
• Home
• Identity theft
• Landlord
• Life
• Mobile home
• Motorcycle
• Pet
• Recreational vehicle
• Renters
• Tuition
• Umbrella

Discounts

In addition to bundling other insurance with your auto policy for savings, Liberty Mutual has an extensive list of discounts:

• Claims-free: A claims-free driving history will net you savings on your auto insurance policy.
• Multicar: Insure more than one vehicle with Liberty Mutual for additional savings.
• Paperless policy: You’ll get a discount if you receive your documents online.
• Preferred payment: Enrolling in automatic payments via your bank account will qualify you for a discount, as will paying your annual premium in one or two payments.
• RightTrack: Sign up for Liberty Mutual’s RightTrack program, which monitors driving behavior. You receive an initial discount of 10 percent, then you could qualify for up to 30 percent off your auto insurance premiums if you demonstrate safe driving habits.
• Student-away-at-school: Liberty Mutual offers discounts for students who attend school away from home, which typically means at least 100 miles from their permanent addresses and driving covered vehicles occasionally.
• Violation-free: Keep your record clear of driving violations and save on your auto policy.

Optional Services

Liberty Mutual has extra options that allow you to customize your basic auto insurance policy:

• 24-hour roadside assistance: If your vehicle breaks down, roadside assistance provides tows, emergency fuel, flat tire changes, locksmith services and jump-starts.
• Better car replacement: Use this coverage to purchase a model one year newer than your totaled vehicle.
• Gap: Gap insurance pays what’s left on your lease or loan if it is totaled and the vehicle’s value is less than the remaining amount of your balance.
• New car replacement: You can purchase a brand-new car if your new vehicle is totaled within the first year of ownership.
• Original parts replacement: This coverage allows repair shops to use original manufacturer parts when they replace damaged vehicle parts.
• Rental car reimbursement: Liberty covers your rental car fees while your vehicle undergoes repairs from a covered incident. Plus, if you choose a Liberty Mutual-approved repair facility, the company will fund the entire rental cost for the duration of your repairs.

With its network of local agents in more than 90 offices in Colorado, you might have a State Farm representative as your neighbor. The company offers competitive average rates for drivers with less-than-spotless driving records. On average, State Farm customers with DUIs paid only $2,204 a year for coverage, while the average across the state of Colorado is $3,657 (USAA is even higher at over $5,000, for instance) Lastly, State Farm received top customer satisfaction ratings from J.D. Power, with the highest score in the Southwest region of 673 out of 1,000, beating out Liberty Mutual, GEICO and Allstate, among others.

DUI Insurance

Sometimes, a less-than-perfect driving record ends up requiring high-risk auto insurance. State Farm may insure you if you have a DUI on your driving record.

State Farm will help you with your SR-22 requirements, including filing with the state’s Division of Motor Vehicles. Typical charges for filing run between $15 and $25. Usually, Colorado requires SR-22 filings for three years following your license reinstatement.

In Colorado, the average cost of auto insurance for a driver with a DUI is $3,657 a year. This is an increase of 56 percent from the average cost of auto insurance for someone with a clean driving record.

Insurance after a DUI is always more expensive than for someone with a clean driving record. But with policies averaging $2,204 a year or $184 a month, State Farm offers the best rates for DUI drivers of any of our Colorado providers.

USAA, meanwhile, offers some of the most expensive rates for drivers with a DUI. On average, its policies are $5,019 a year or $418 a month.

Positive Third-Party Ratings

Generally, State Farm has received positive ratings from third parties. Like USAA and GEICO, it has the highest possible financial strength rating from AM Best, meaning it can reliably pay out claims.

State Farm has the second highest score in the J.D. Power Auto Insurance study in the Southwest region for customer satisfaction, after USAA. Its score of 646 is higher than the study average, which means Colorado customers are generally satisfied with the customer experience provided by State Farm. On the less positive side, Liberty Mutual has the lowest J.D. Power score among our top picks.

State Farm also scored above average in J.D. Power’s Claims Satisfaction study. USAA and Liberty Mutual also scored above average in this study, while Allstate and GEICO came in below average.

Local Agents

Like Allstate, State Farm has an extensive network of local agents in more than 90 cities in Colorado:

• Alamosa
• Arvada
• Aurora
• Basalt
• Bayfield
• Berthoud
• Boulder
• Brighton
• Broomfield
• Brush
• Buena Vista
• Burlington
• Canon City
• Carbondale
• Castle Pines
• Castle Rock
• Centennial
• Colorado Springs
• Commerce City
• Conifer
• Cortez
• Craig
• Dacono
• Delta
• Denver
• Dillon
• Durango
• Eagle
• Eaton
• Edgewater
• Edwards
• Elizabeth
• Englewood
• Erie
• Estes Park
• Evergreen
• Falcon
• Federal Heights
• Firestone
• Fort Collins
• Fort Lupton
• Fort Morgan
• Fountain
• Franktown
• Fraser
• Frisco
• Glenwood Springs
• Golden
• Grand Junction
• Greeley
• Greenwood Village
• Gunnison
• Highlands Ranch
• Holyoke
• Idaho Springs
• Johnstown
• La Junta
• Lafayette
• Lakewood
• Lamar
• Leadville
• Littleton
• Lone Tree
• Longmont
• Louisville
• Loveland
• Meeker
• Monte Vista
• Montrose
• Monument
• Morrison
• Northglenn
• Pagosa Springs
• Paonia
• Parker
• Peyton
• Pueblo
• Pueblo West
• Rangely
• Rifle
• Salida
• Steamboat Springs
• Sterling
• Thornton
• Timnath
• Trinidad
• Wellington
• Westminster
• Wheat Ridge
• Windsor
• Woodland Park
• Yuma

Local agents provide more personalized service by building relationships with their clients. They can also provide specific area recommendations for automotive services, such as auto body shops and glass repair facilities.

For more than 100 years, USAA has been insuring active military members, veterans and their families, including those who drive for rideshare companies. The insurance company offers multiple ways to save on premiums and has a robust mobile app. Unlike our other providers in Colorado, it only offers auto insurance policies for military members and their extended families. But for those who qualify, USAA offers some of the highest third-party ratings and lowest insurance premiums in the state.

Pay-Per-Mile Insurance

In 2019 only 9 percent of Colorado workers worked from home. By 2022, that number had more than doubled to 21 percent.³ If you work from home, are retired or don’t drive much, you can benefit from USAA’s pay-per-mile auto insurance program. Rather than being a flat monthly rate like typical auto insurance, your premium will include a fixed rate and a variable rate. The variable rate will depend on how much you drive and how safely you drive, with the Noblr app collecting data on your mileage, distracted driving, smoothness, road choice and time of day.

To save the most, drive less, brake and accelerate smoothly, avoid using your phone while driving, drive on highways as opposed to city streets and avoid driving from 11 at night to four in the morning.

Numerous Ways to Save

USAA provides competitive rates through its extensive range of discounts, resulting in some of the cheapest auto insurance in Colorado. Like Liberty Mutual, it offers a range of discounts. From bundling to safe driving, there are many ways to save with USAA:

• Auto-pay: You can get up to 3 percent savings off your auto premium when you pay via automatic payments.
• Bundling: USAA offers up to 10 percent savings if you bundle auto insurance with homeowners’ or renters’ insurance.
• Military on-base: If you garage your car on a military base, you’ll save up to 15 percent on your comprehensive coverage premium.
• Multivehicle: You’ll save with two or more vehicles on your policy.
• New car: If your vehicle is less than three years old, USAA will give you a discount.
• Safe driving: SafePilot, USAA’s safe driving program, offers you up to 30 percent total on your auto insurance costs. For enrolling in SafePilot, you’ll receive a 10 percent discount. After you install the USAA SafePilot app on your smartphone, the app will track how well you’re driving and log your trips automatically. At your next policy renewal, the company will give you a new rate based on your actual driving behaviors and then will reset your driving score for the next policy period.
• Vehicle equipment: Installing an anti-theft device in your car can net you a discount.

Discounts for Teen Drivers

Adding a teen driver to your policy will increase your premiums. However, USAA offers a range of discounts, especially for teens, which can help keep your premiums as low as possible.

Additionally, when teen drivers grow up and leave the house, they can qualify for a 10 percent legacy discount. To qualify, a young driver must be under 25 years old and previously insured on a USAA household policy.

Whether you purchase minimum or full coverage car insurance in Colorado, GEICO has the cheapest rates on average. It charges only $1,490 on average for a year of full coverage insurance, saving you nearly $1,000 over the state’s average. At $506 per year on average, GEICO’s minimum coverage is 40 percent cheaper than the statewide average.

Savings for Military, Federal Employees and Other Groups

While GEICO doesn’t cater specifically to military families like USAA, it offers discounts to many groups, including:

• Military members
• Federal employees (includes members of Peterson or Buckley Air Force Base and Fort Carson)
• Professional societies
• Greek organizations
• Educational institutions

If you’re a member of any of the above organizations, you may be able to bring down GEICO’s pricing even further. New policyholders in January 2024 saved an average of over $700.

Mechanical Breakdown Insurance

Mechanical breakdown insurance (MBI) is coverage similar to an extended warranty, not offered by all insurers. It covers repairs from vehicle breakdowns, replacement parts and other mechanical issues. Without MBI, you pay out-of-pocket for these repairs. GEICO offers MBI as an add-on to your policy. Your car is eligible if it’s new or leased, less than 15 months old and has less than 15,000 miles on it. You must be the first owner, as this coverage does not apply to used vehicles. That being said, once you add MBI to your policy, you can renew it for up to 100,000 miles or seven years, whichever comes sooner. After a $250 deductible, MBI will cover the rest, save for regular maintenance and wear and tear.

Easy Auto Repair

GEICO takes steps to help make filing a claim and getting your car repaired less of a hassle. The company has a program that will find a repair shop near you and will make sure you get served first. It’s easy to make appointments online, meet a shop representative to assess the damage and give you a rental vehicle through Enterprise Rent-A-Car (if you have rental car reimbursement coverage). After the repair, you’ll pick up your car, exchange the rental car and leave with your damage estimate, along with the rest of the repair documents. The best part is that the repairs are guaranteed for the time you own your vehicle, so you won’t be left hanging or on your own during the repair process.

Comprehensive Mobile App

GEICO’s auto insurance app is highly rated by Android and iOS users alike. Using the GEICO app, customers can:

• Access their digital insurance card
• Request roadside assistance
• Submit photos for claims estimate
• Monitor their vehicle history
• Request help from GEICO’s virtual assistant