See Colorado car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in Colorado usually costs more than the national average. Once ready, see the best local and statewide car insurers.
Colorado’s 25/50/15 Rule: What It Covers
Colorado New Car Insurance Costs
Colorado Used Car Insurance Costs
Why Your Credit History Shapes Your Colorado Rate
Why Colorado’s Minimums Can Fall Short After a Real Crash
How Colorado Drivers Can Push Their Rates Down
Curious about car financing? See real Colorado car loan rates shared by our community. Also find Colorado Best car loan lenders in your area (also community recommended).
Colorado’s 25/50/15 Rule: What It Covers
Colorado law requires drivers to carry liability coverage. This is the part of your policy that pays for damage or injuries you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $15,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Colorado does not require personal injury protection. Medical bills for you and your passengers usually go through health insurance unless you add extra coverage to your auto policy.
MFP Tip: One newer pickup or SUV can cost more than $15,000 to repair. Colorado’s property damage limit can run out fast after a single crash.
Colorado New Car Insurance Costs
Your new car insurance price depends on three main things: the value of your car, how much coverage you choose, and your credit history. New cars cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $289 | $336 | $366 | $591 |
| Standard | $242 | $282 | $307 | $496 | |
| Liability only | $123 | $144 | $156 | $253 | |
| $40K-$60K | Full | $245 | $284 | $310 | $500 |
| Standard | $203 | $236 | $258 | $416 | |
| Liability only | $106 | $123 | $134 | $216 | |
| $25K-$40K | Full | $213 | $248 | $270 | $437 |
| Standard | $177 | $206 | $224 | $362 | |
| Liability only | $94 | $109 | $119 | $192 | |
| Below $25K | Full | $187 | $218 | $237 | $383 |
| Standard | $154 | $179 | $195 | $315 | |
| Liability only | $83 | $96 | $105 | $169 |
Colorado Used Car Insurance Costs
Used cars often cost less to insure, but dropping coverage can leave you paying out of pocket if your car is stolen, damaged by hail, or totaled in a crash.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $218 | $254 | $277 | $447 |
| Standard | $182 | $212 | $231 | $373 | |
| Liability only | $95 | $110 | $120 | $193 | |
| $15K-$40K | Full | $182 | $212 | $231 | $373 |
| Standard | $151 | $176 | $191 | $309 | |
| Liability only | $80 | $93 | $101 | $164 | |
| Below $15K | Full | $153 | $178 | $194 | $313 |
| Standard | $125 | $145 | $158 | $255 | |
| Liability only | $68 | $79 | $86 | $139 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
Why Your Credit History Shapes Your Colorado Rate
In Colorado, insurers are allowed to use your credit history when setting your price. Drivers with strong credit usually pay the least, while drivers with below-fair credit often pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have clean driving records and similar cars.
MFP Tip: If your credit improves, ask for a new quote before your renewal date. Many insurers will reprice your policy based on your updated credit history.
Choosing the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, a simple rule is the 10 percent test. If your yearly coverage cost is more than 10 percent of your car’s value, it may make sense to drop coverage for your own car and keep only liability.
Why Colorado’s Minimums Can Fall Short After a Real Crash
When You Damage Someone’s Property
Many newer vehicles on Colorado roads cost far more than $15,000 to repair. If you hit a truck or SUV and your limit runs out, the rest of the bill can land on you.
If You Injure Someone
Hospital visits, follow-up care, and missed work can push costs past $25,000 quickly. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
About one in seven Colorado drivers is uninsured. If one of them causes a crash, coverage for injuries and damage to your own car can make the difference between a quick recovery and a long fight over bills.
What Shapes Colorado Rates
Colorado uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Hailstorms along the Front Range cause thousands of claims every year. Even parked cars can take heavy damage in a single storm.
Traffic around Denver, Aurora, and Colorado Springs raises the chance of fender benders. Mountain roads add another layer of risk with snow, ice, and sharp curves.
How Colorado Drivers Can Push Their Rates Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These monitor how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: Hail damage claims are common in Colorado. If you park in a garage, tell your insurer. Some companies offer lower rates for protected parking.
What to Do After Buying a Car in Colorado
You need insurance in place before you can register your vehicle. Dealers often handle the paperwork for new cars, but private sales leave the steps to you.
Colorado gives new residents and in-state buyers a short window to complete registration and title work through their county motor vehicle office.
Review your coverage once a year. As your car gets older and its value drops, you may be able to adjust your policy and lower your costs.
Colorado Best Car Insurance
Find Colorado best local insurers by metro areas, and online, based on community recommendations
Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, Centennial, Online Lenders
Denver Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Denver’s area are Square State Insurance, Denver Insurance LLC and Bill Knight, agent, State Farm.
Square State Insurance (91% Recommend)
- Square State Insurance ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-guidance profile among the top 3.
- Customer feedback and agency signals point to strong Denver-area auto insurance specialization, comparison help, and useful local guidance for drivers.
Denver Insurance LLC (90% Recommend)
- Denver Insurance ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Square State on support and leading on premium satisfaction.
- Customer feedback and agency signals support independent carrier comparison, clear coverage help, and practical guidance for Denver drivers shopping policies.
Bill Knight, agent, State Farm (89% Recommend)
- Bill Knight ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Denver Insurance on service and ease.
- Customer feedback and local agent signals point to responsive communication, clear quote support, and dependable auto insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Square State Insurance | Agency | 4.8 | 4.8 | 4.9 | 91% |
| Denver Insurance LLC | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Bill Knight, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| John Magoto, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Rob Lopez, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Monica Meza, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Val Laskowski-Martinez, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Nat Owen, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Lori Rickert, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Blanca Kerschen, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Hiram Licea, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| ALINK Insurance Services | Agency | 4.5 | 4.4 | 4.6 | 84% |
| Premier Group Insurance | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Colorado Springs Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Colorado Springs’s area are TAG Insurance Services, Kendra Gries, agent, State Farm and Andy Strelau, agent, State Farm.
TAG Insurance Services (91% Recommend)
- TAG Insurance Services ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong local comparison help, clear coverage guidance, and useful support for Colorado Springs drivers.
Kendra Gries, agent, State Farm (90% Recommend)
- Kendra Gries ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and local agent signals support easy quote help, responsive service, and clear car insurance guidance.
Andy Strelau, agent, State Farm (89% Recommend)
- Andy Strelau ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Kendra Gries on support and value.
- Customer feedback and local agent signals point to helpful communication, practical coverage explanations, and dependable policy service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TAG Insurance Services | Agency | 4.8 | 4.8 | 4.9 | 91% |
| Kendra Gries, agent, State Farm | Insurer | 4.8 | 4.7 | 4.8 | 90% |
| Andy Strelau, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Jason Holt, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Kreg Kell, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Dan Lewis, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| HUB International | Broker | 4.6 | 4.5 | 4.7 | 86% |
| ALINK Insurance Services | Agency | 4.6 | 4.5 | 4.6 | 85% |
| Colorado Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
Aurora Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Aurora’s area are John Baer, agent, State Farm, Anne Sandoval, agent, State Farm and Corinne Hawkins, agent, State Farm.
John Baer, agent, State Farm (90% Recommend)
- John Baer ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to dependable Aurora service, clear quote help, and practical auto insurance guidance.
Anne Sandoval, agent, State Farm (89% Recommend)
- Anne Sandoval ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to John Baer on support and value.
- Customer feedback and local office signals support helpful communication, responsive service, and useful coverage guidance.
Corinne Hawkins, agent, State Farm (88% Recommend)
- Corinne Hawkins ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Anne Sandoval on support.
- Customer feedback and local agent signals point to clear auto coverage support, easy quote assistance, and dependable help for Aurora drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| John Baer, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Anne Sandoval, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Corinne Hawkins, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Christian Hernandez Ayala, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Tammy Hill, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Jason Hart, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Damy Anderson, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Premier Group Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Fort Collins Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Fort Collins’s area are Kevin Best, agent, State Farm, Marinda Simpson, agent, State Farm and Chip Beake, agent, State Farm.
Kevin Best, agent, State Farm (91% Recommend)
- Kevin Best ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Fort Collins service, easy quote help, and dependable auto insurance guidance.
Marinda Simpson, agent, State Farm (90% Recommend)
- Marinda Simpson ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Kevin Best on support and leading on premium satisfaction.
- Customer feedback and local office signals support helpful communication, knowledgeable coverage guidance, and responsive service.
Chip Beake, agent, State Farm (89% Recommend)
- Chip Beake ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Marinda Simpson on service and ease.
- Customer feedback and local agent signals point to experienced Old Town service, clear auto insurance help, and dependable policy support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Kevin Best, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Marinda Simpson, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Chip Beake, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Daryl Alexander, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Mary Biggers, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Barry B Bailey, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Danny Barnhart, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Flood and Peterson | Broker | 4.6 | 4.5 | 4.6 | 85% |
| ALINK Insurance Services | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
Lakewood Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Lakewood’s area are Nick Brennan, agent, State Farm, Mark Sammon, agent, State Farm and Justin Aller, agent, State Farm.
Nick Brennan, agent, State Farm (90% Recommend)
- Nick Brennan ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Lakewood service, easy quote support, and clear auto insurance guidance.
Mark Sammon, agent, State Farm (89% Recommend)
- Mark Sammon ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Nick Brennan on support and value.
- Customer feedback and local office signals support experienced service, practical coverage help, and dependable policy support.
Justin Aller, agent, State Farm (88% Recommend)
- Justin Aller ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Mark Sammon on support.
- Customer feedback and local agent signals point to clear quote help, responsive communication, and useful car insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Nick Brennan, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Mark Sammon, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Justin Aller, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Craig Baldwin, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Mike Bailey, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| ALINK Insurance Services | Agency | 4.6 | 4.5 | 4.7 | 86% |
| Premier Group Insurance | Agency | 4.6 | 4.5 | 4.6 | 85% |
| Square State Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Thornton Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Thornton’s area are Christopher Sena, agent, State Farm, Amos Baca, agent, State Farm and Quinn McCoy, agent, State Farm.
Christopher Sena, agent, State Farm (90% Recommend)
- Christopher Sena ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Thornton service, competitive coverage help, and clear auto insurance guidance.
Amos Baca, agent, State Farm (89% Recommend)
- Amos Baca ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Christopher Sena on support and value.
- Customer feedback and local office signals support responsive service, quote assistance, and practical help for car insurance shoppers.
Quinn McCoy, agent, State Farm (88% Recommend)
- Quinn McCoy ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Amos Baca on support.
- Customer feedback and local agent signals point to helpful communication, easy quote support, and dependable policy guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Christopher Sena, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Amos Baca, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Quinn McCoy, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Garrett Callaway, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Mike Miller, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| All Colorado Insurance | Agency | 4.6 | 4.5 | 4.7 | 86% |
| ALINK Insurance Services | Agency | 4.6 | 4.5 | 4.6 | 85% |
| Premier Group Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Arvada Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Arvada’s area are Teri Starry, agent, State Farm, Sandy McKee, agent, State Farm and Bo Borowski, agent, State Farm.
Teri Starry, agent, State Farm (90% Recommend)
- Teri Starry ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to dependable Arvada service, clear quote help, and practical auto insurance guidance.
Sandy McKee, agent, State Farm (89% Recommend)
- Sandy McKee ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Teri Starry on support and value.
- Customer feedback and local office signals support helpful communication, experienced service, and strong policy support for drivers.
Bo Borowski, agent, State Farm (88% Recommend)
- Bo Borowski ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Sandy McKee on support.
- Customer feedback and local agent signals point to clear coverage help, accessible quote support, and dependable auto insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Teri Starry, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Sandy McKee, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Bo Borowski, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Reilly Chunn, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Premier Group Insurance | Agency | 4.6 | 4.6 | 4.7 | 86% |
| ALINK Insurance Services | Agency | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Westminster Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Westminster’s area are Skyler Peak, agent, State Farm, Chris Eiseman, agent, State Farm and Brian Finan, agent, State Farm.
Skyler Peak, agent, State Farm (90% Recommend)
- Skyler Peak ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Westminster service, clear quote help, and useful car insurance guidance.
Chris Eiseman, agent, State Farm (89% Recommend)
- Chris Eiseman ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Skyler Peak on support and value.
- Customer feedback and local office signals support experienced service, responsive policy help, and practical coverage guidance.
Brian Finan, agent, State Farm (88% Recommend)
- Brian Finan ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Chris Eiseman on support.
- Customer feedback and local agent signals point to helpful communication, smooth quote support, and dependable auto insurance service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Skyler Peak, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Chris Eiseman, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Brian Finan, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Jack Jewell, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Ken Kearney, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Quinn McCoy, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Premier Group Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
Pueblo Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Pueblo’s area are Aaron Elkins, agent, State Farm, Melissa Arriaga-DeAngelo, agent, State Farm and Ron Martinez, agent, State Farm.
Aaron Elkins, agent, State Farm (90% Recommend)
- Aaron Elkins ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Pueblo service, clear quote support, and dependable auto insurance guidance.
Melissa Arriaga-DeAngelo, agent, State Farm (89% Recommend)
- Melissa Arriaga-DeAngelo ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Aaron Elkins on support and value.
- Customer feedback and local office signals support experienced service, helpful communication, and practical coverage assistance.
Ron Martinez, agent, State Farm (88% Recommend)
- Ron Martinez ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Melissa Arriaga-DeAngelo on support.
- Customer feedback and local agent signals point to dependable service, clear auto insurance help, and responsive policy support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Aaron Elkins, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Melissa Arriaga-DeAngelo, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Ron Martinez, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Mary Clanton, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| ALINK Insurance Services | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Premier Group Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Centennial Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Centennial’s area are Pamela Buckland, agent, State Farm, Brett Carlini, agent, State Farm and H.Y. Chang, agent, State Farm.
Pamela Buckland, agent, State Farm (90% Recommend)
- Pamela Buckland ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Centennial service, clear auto insurance guidance, and dependable quote support.
Brett Carlini, agent, State Farm (89% Recommend)
- Brett Carlini ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Pamela Buckland on support and value.
- Customer feedback and local office signals support helpful communication, practical coverage guidance, and responsive policy service.
H.Y. Chang, agent, State Farm (88% Recommend)
- H.Y. Chang ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Brett Carlini on support.
- Customer feedback and local agent signals point to clear quote help, dependable service, and useful coverage support for Centennial drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Pamela Buckland, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Brett Carlini, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| H.Y. Chang, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Ben Davis, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Randy Bales, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Kelly Burns, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| ALINK Insurance Services | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
End Note
State minimums meet the law, but they often fall short when a crash involves a newer vehicle, multiple injuries, or an uninsured driver.
Match your coverage to your car’s value, your savings, and the real costs of accidents on Colorado roads. A little extra protection can save you from a large bill later.