Best Car Insurance in Colorado 2025
How Colorado drivers can get the best car insurance rates
There are several ways to ensure you get the best car insurance rates in Colorado for your coverage needs.
1. Compare quotes from multiple companies
It’s a good idea to compare car insurance quotes at renewal time, especially if you face a rate hike. Even if your premiums didn’t go up, consider getting quotes regularly. Comparing quotes can help you get an idea of how much insurers in your area charge for coverage, based on your specific profile. You could be missing out on a better deal elsewhere.
2. Increase deductibles
Collision and comprehensive coverage include a deductible, which your car insurance company subtracts from a claim pay out. Raising your deductibles will result in lower premiums, but it also means you’ll receive less money if you file a claim. When setting your deductible, consider how much you can afford to pay out of pocket for repairs.
3. Drop unnecessary coverage
You might be overinsured and paying for coverage you don’t need. For example, if you’re paying for roadside assistance insurance through your insurer but have a membership with AAA, the coverage is redundant.
4. Improve your credit
In Colorado, insurance companies are permitted to use factors from your credit report when assessing your risk. If you have a good credit history, you’ll see better rates than if your credit is poor. However, insurers in Colorado aren’t allowed to deny or nonrenew car insurance coverage based solely on credit score.
If your credit score has improved in recent years, ask your auto insurance company to run another credit check at renewal time. It could lead to lower rates.
5. Keep a clean driving record
One of the best ways to keep rates down is to maintain a clean driving record. Avoiding at-fault accidents, speeding tickets and other traffic violations will help keep costs low. In our evaluation, speeding tickets raised rates by 32% on average and DUIs raised premiums by 59% in Colorado.
6. Ask for a discount review
The car insurance discounts you qualify for will be automatically applied, such as a bundling discount. Still, it’s good to ask your insurance agent for a discount review. Changes like switching to paperless billing or paying your premiums in full might lead to discounts.
