Who has the cheapest full coverage car insurance in Colorado? In 778 real full coverage quotes our agents ran for Colorado drivers in 2026, Progressive had the lowest median at $219/month (326 quotes), then GEICO ($232), Bristol West ($264), The General ($272), National General ($331), and Dairyland ($348). Full table below by driving record and age.
Cheapest Full Coverage Car Insurance in Colorado: 778 Real Quotes Compared
Progressive · GEICO · Bristol West · The General · National General · Dairyland · Mendota
Full coverage means liability plus comprehensive and collision, which is what a lender requires on a financed or leased vehicle and what most drivers want on any car worth more than a few thousand dollars. It is also where carriers differ the most: in our Colorado quotes the gap between the cheapest and most expensive median was more than $100 a month.
Medians of real quotes our licensed agents ran in 2026. Different drivers were quoted with different carriers, so these are population comparisons, not the same driver priced twice. Your rate will vary.
Cheapest full coverage in Colorado, by situation
Clean record, financed car
Progressive: $219/mo median across 326 full coverage quotes, with Snapshot on top. GEICO ($232/mo) was close on a small sample of clean-record drivers.
Full coverage after a lapse or with a violation
Bristol West ($264/mo, 226 quotes) is the carrier that most often says yes to full coverage for drivers with a lapse; National General ($331/mo) is the fallback.
Older paid-off vehicle
Consider liability-only instead: Progressive’s liability median was $82/mo versus $219/mo for full coverage, a $137/mo difference. See our cheapest liability-only comparison and full coverage guide.
Colorado median monthly premium by carrier, full coverage row in context
Median monthly premium by driver segment, from 1,642 real quotes our agents ran for Colorado drivers from January through May 2026. Lowest median in each row is highlighted. Segments with fewer than 8 quotes for a carrier are marked “too few” rather than shown.
| Driver segment | Progressive | GEICO | Bristol West | The General | National General | Dairyland | Mendota |
|---|---|---|---|---|---|---|---|
| All quotes | $147/mo 619 quotes · avg $178 | $193/mo 28 quotes · avg $200 | $221/mo 366 quotes · avg $240 | $91/mo 68 quotes · avg $162 | $244/mo 248 quotes · avg $295 | $166/mo 89 quotes · avg $250 | $93/mo 55 quotes · avg $125 |
| Liability only | $82/mo 272 quotes · avg $100 | $99/mo 10 quotes · avg $114 | $129/mo 133 quotes · avg $148 | $80/mo 50 quotes · avg $96 | $120/mo 99 quotes · avg $136 | $117/mo 49 quotes · avg $136 | $89/mo 39 quotes · avg $96 |
| Full coverage | $219/mo 326 quotes · avg $244 | $232/mo 18 quotes · avg $248 | $264/mo 226 quotes · avg $299 | $272/mo 18 quotes · avg $344 | $331/mo 141 quotes · avg $411 | $348/mo 37 quotes · avg $325 | $186/mo 12 quotes · avg $238 |
| Clean record (no accidents, tickets, or DUI) | $145/mo 499 quotes · avg $175 | $232/mo 14 quotes · avg $225 | $221/mo 310 quotes · avg $244 | $88/mo 63 quotes · avg $159 | $253/mo 185 quotes · avg $309 | $147/mo 80 quotes · avg $233 | $95/mo 37 quotes · avg $107 |
| Accidents, tickets, or DUI on record | $172/mo 120 quotes · avg $193 | $179/mo 14 quotes · avg $175 | $209/mo 56 quotes · avg $219 | too few (5 quotes) | $199/mo 63 quotes · avg $253 | $269/mo 9 quotes · avg $399 | $93/mo 18 quotes · avg $162 |
| SR22 filing required | $99/mo 37 quotes · avg $132 | too few (0 quotes) | $298/mo 11 quotes · avg $275 | $73/mo 9 quotes · avg $75 | $105/mo 24 quotes · avg $131 | $140/mo 14 quotes · avg $158 | $89/mo 13 quotes · avg $93 |
| No prior insurance | $123/mo 344 quotes · avg $153 | $165/mo 16 quotes · avg $161 | $151/mo 130 quotes · avg $174 | $86/mo 53 quotes · avg $152 | $160/mo 119 quotes · avg $230 | $134/mo 46 quotes · avg $246 | $91/mo 46 quotes · avg $117 |
| Currently insured | $202/mo 275 quotes · avg $209 | $248/mo 12 quotes · avg $252 | $262/mo 236 quotes · avg $276 | $215/mo 15 quotes · avg $194 | $324/mo 129 quotes · avg $354 | $184/mo 43 quotes · avg $255 | $144/mo 9 quotes · avg $169 |
| Drivers under 25 | $206/mo 91 quotes · avg $239 | too few (4 quotes) | $194/mo 29 quotes · avg $232 | $342/mo 13 quotes · avg $397 | $266/mo 27 quotes · avg $300 | $289/mo 10 quotes · avg $308 | $142/mo 12 quotes · avg $164 |
| Drivers 25 to 39 | $138/mo 222 quotes · avg $170 | too few (6 quotes) | $199/mo 129 quotes · avg $221 | $86/mo 28 quotes · avg $117 | $244/mo 119 quotes · avg $279 | $163/mo 40 quotes · avg $235 | $89/mo 20 quotes · avg $125 |
| Drivers 40 to 59 | $140/mo 199 quotes · avg $166 | too few (7 quotes) | $221/mo 142 quotes · avg $243 | $84/mo 20 quotes · avg $104 | $258/mo 63 quotes · avg $331 | $127/mo 26 quotes · avg $190 | $89/mo 16 quotes · avg $105 |
| Drivers 60 and over | $141/mo 55 quotes · avg $165 | too few (2 quotes) | $236/mo 51 quotes · avg $276 | too few (3 quotes) | $325/mo 19 quotes · avg $402 | $66/mo 9 quotes · avg $114 | too few (1 quotes) |
Quotes are what carriers offered, not what every driver bought. “Clean record” means zero accidents, zero violations, and no DUI in the quote. Age bands use the primary driver’s age. How we collect quote data →
Where each carrier came out cheapest
- Progressive did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- GEICO did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Bristol West did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- The General had the lowest median for: all quotes, liability only, clean record (no accidents, tickets, or dui), sr22 filing required, no prior insurance, drivers 25 to 39, drivers 40 to 59.
- National General did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Dairyland had the lowest median for: drivers 60 and over.
- Mendota had the lowest median for: full coverage, accidents, tickets, or dui on record, currently insured, drivers under 25.
The full coverage row is the one lenders care about; the clean-record and currently-insured rows show you what the same carriers charge the drivers most likely to be buying full coverage. Dairyland, The General, and Mendota have small full coverage samples because they mostly write minimum-limits policies, so treat those cells as directional. Raising your comprehensive and collision deductible from $500 to $1,000 typically cuts the full coverage premium 10 to 20 percent with any of these carriers.
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What else separates them
Progressive
Lowest full coverage median and the most quotes. Snapshot telematics, gap coverage available, same-day ID cards for the lender.
GEICO
Close second on clean-record full coverage, small sample through agents. Strong app.
Bristol West
Most willing to write full coverage after a lapse; Farmers-owned; flexible down payments.
The General
Mostly minimum limits; full coverage sample is small and runs high.
National General
Mid-tier fallback; bundles with home.
Dairyland
Specialty carrier; full coverage is not its strength.
Mendota
Minimum-limits specialist; full coverage rarely written.
Colorado Full Coverage Questions
Colorado Full Coverage Questions
6 QuestionsWhat is the cheapest full coverage car insurance in Colorado?
In our 2026 quotes, Progressive at $219/month median (326 quotes), followed by GEICO ($232) and Bristol West ($264). Your own rate depends on the vehicle, deductible, ZIP code, and record.
What does full coverage include in Colorado?
Liability (Colorado minimum 25/50/15), collision (damage to your car in a crash), and comprehensive (theft, hail, glass, animals, weather). Uninsured motorist, rental reimbursement, roadside, gap, and MedPay are add-ons we price separately.
Does hail make full coverage expensive in Colorado?
Yes. Colorado is one of the top hail-claim states, and comprehensive premiums along the Front Range reflect it. A higher comprehensive deductible is the fastest way to offset that.
Should I carry full coverage on a paid-off car?
It depends on the car’s value. If the car is worth less than about ten times the annual cost of comprehensive and collision, liability-only often makes sense. We show you both numbers so you can decide. Read our full coverage guide.
Are these rates what I will pay?
No. They are medians of real quotes for many different Colorado drivers. Your ZIP code, vehicle, credit, coverage limits, deductible, and driving history will move your rate above or below these numbers. The table tells you which carriers to compare first.
How often do these numbers change?
We update the dataset monthly as new quotes come in, and carriers refile Colorado rates several times a year. We re-shop at every renewal at no charge.
How this comparison was built
Every number on this page comes from quotes our licensed agents ran for Colorado drivers between January and May 2026 (1,642 quotes across seven carriers), stored in our first-party quote dataset. A quote is what the carrier offered; it is not a policy sold. Medians are used so a few very high-risk quotes do not distort the picture. Different drivers were quoted with different carriers, so this is a population comparison. Segments with fewer than 8 quotes for a carrier are shown as “too few.” Full methodology: How we collect quote data.
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Related Guides
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- Progressive vs Bristol West in Colorado
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Last Updated on by Shawn Christie