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2024

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Best Local Car Insurance Agencies in Colorado

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Colorado Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3352Reviewed

2017Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Kersey

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (7)

Why choose this provider?

Kersey Insurance & Associates is an independent property and casualty agency that has been serving clients in Colorado since 1990. It offers car insurance that provides collision, liability, and lease/loan gap coverage options. The agency also provides insurance products for businesses, farms, and homes. With the aim of proving coverage options tailored to clients' needs and goals, it partners with multiple insurance companies, including Auto-Owners Insurance, Farmers Alliance, and Liberty Mutual Insurance.

Arvada

Expertise.com Rating

Review Sources

Google
5.0 (94)
Facebook
5.0 (16)

Why choose this provider?

Mitch Davis is an insurance agent who serves families and individuals in Colorado. He has been representing State Farm since 2014, helping address the client's insurance and banking needs. His products include auto, home, and pet insurance, in addition to life, health, and business coverage. His auto insurance policy includes various options, such as collision, comprehensive, rideshare, and rental insurance. The policy also covers sports and antique cars, commercial auto, rental vehicle, and teen drivers.

Centennial

Expertise.com Rating

Why choose this provider?

Centennial State Insurance Group is an independent agency serving clients in Colorado and nearby states since 2002. It offers the cheapest car insurance policies that protect policyholders against financial losses from collisions, theft, and fires. The agency also provides insurance products for homes, renters, businesses, and commercial properties. It represents several insurance companies, including Encompass, The Hartford, and MetLife. To help clients make informed decisions about their coverage options, it simplifies the insurance process through educating the clients on what every procedure entails.

Arvada

Expertise.com Rating

Review Sources

Google
5.0 (462)
Facebook
4.9 (51)

Why choose this provider?

Ullrich Insurance is an independent agency that serves clients in Colorado. It offers car insurance policies that cover collisions, property damages, and bodily injuries. The agency also has insurance products for rental properties, boats, homes, and businesses. Working with multiple insurance carriers, such as Safeco Insurance, American Modern, and Travelers, allows the firm to provide a wide range of options to clients. The agency has formed a partnership with the non-profit Believe in Haiti to help alleviate poverty in the country.

Loveland

Expertise.com Rating

Why choose this provider?

Mitch Rogers is among the best State Farm insurance agents that caters to clients throughout Colorado. He offers a myriad of insurance products for both individuals and businesses, including auto insurance policies. His State Farm auto insurance products provide coverage for sports, classic, and antique cars, teen drivers, rental cars, and commercial auto. It also offers clients collision and rideshare insurance policies. Backed by more than 25 years of industry experience, Rogers assists clients in selecting the right auto insurance coverage for their specific needs.

Lakewood

Expertise.com Rating

Why choose this provider?

Dodrill Insurance has been serving clients across Colorado since its inception in 1961. This family-owned and family-operated insurance agency offers various types of products, including auto insurance for the cheapest price. As an independent agency, it represents more than 40 insurance carriers in the market to provide clients with more coverage options and the best available rates for their needs and budget. Additionally, the agency offers property, life, and commercial insurance products. Dodrill Insurance holds licenses in over 20 states.

Colorado Springs

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Google
5.0 (9)

Why choose this provider?

Aion Insurance Consultants is a veteran-owned independent agency serving families and businesses in Colorado. It offers car insurance policies that protect policyholders against financial losses caused by accidents and unexpected events. The agency also provides insurance products for motorcycles, recreational vehicles, and boats. To address the unique insurance needs of clients, it works with multiple insurance carriers, such as Progressive, Hagerty, and Dairyland. Owner Patrick Szymankowski established the firm in 2018. He has 14 years of claims and captive agency experience.

Longmont

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Adams Insurance Advisors is a fifth-generation, family-owned, independent agency that provides customized options to individuals and businesses in Colorado. It provides auto insurance coverage that can assist with payments if the vehicle is stolen, if there is physical damage, or if someone is harmed in an accident. The company has been protecting customers’ homes, businesses, pets, lives, and agricultural properties for over 100 years. It works with multiple carriers, which gives access to the best coverage and rates to fit clients' needs.

Centennial

Expertise.com Rating

Review Sources

Google
4.8 (234)
Facebook
5.0 (28)
Yelp
2.0 (6)

Why choose this provider?

Since 2002, Compass Insurance Group has been serving families and businesses in Colorado. It offers car insurance that provides financial protection to policyholders from collisions and other loss events. Its agents educate clients on the state's unique car insurance standards to help them select the coverage options that fit their needs. The agency is partnered with insurance companies, such as Liberty Mutual, Nationwide, and Hagerty. It aims to create long-term relationships with clients by evaluating their renewals and making recommendations throughout the year.

Lafayette

Expertise.com Rating

Review Sources

Google
5.0 (523)
Yelp
3.5 (3)

Why choose this provider?

Young Insurance serves individuals and businesses throughout Colorado. It offers an array of products, including auto insurance policies. Its team of insurance agents researches and compares auto insurance plans from multiple carriers in the market to provide clients with the best coverage for their needs. In addition, the full-service agency offers RV, home, umbrella, and life insurance products. Young Insurance has been serving clients for 15 years. Its team holds decades of collective industry experience.

Greeley

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

Mike Mitchell Insurance Agency, Inc., is a company that serves individuals throughout Colorado. The independent agency, which is represented by the Farmers Union Service Association, offers a variety of insurance products, including auto insurance. It helps clients select the level of coverage they need and provides optional coverage options for roadside assistance, rental cars, and uninsured or underinsured motorists. The agency has access to more than 200 insurance carriers, allowing people to find the best coverage that meets their budget.

Broomfield

Expertise.com Rating

Why choose this provider?

Becky Stevenson, a State Farm insurance agent, caters to the insurance needs of individuals and families throughout Colorado. She offers multiple insurance products for a cheap price, including auto insurance policies. State Farm auto insurance plans provide various coverage options for collision, car rental reimbursement, and rideshare. It also offers comprehensive insurance plans for stolen or damaged vehicles. Other insurance products that Stevenson provides include home, condo, life, renters�, and business insurance. Stevenson also assists clients in state-to-state insurance transfers.

Colorado Springs

Expertise.com Rating

Why choose this provider?

Southern Colorado Insurance Center provides individuals and businesses with a gamut of insurance products. The independently owned agency offers the best auto insurance policies, assisting clients in finding the right tailored insurance coverage that fits their budget. It provides coverage for standard collision and comprehensive insurance, which covers damage from hurricanes, fires, floods, hail, theft, and vandalism. This independent agency represents multiple carriers and researches the best coverage for its clients' needs. Additionally, the agency is licensed in Oklahoma, California, Missouri, North Dakota, and Texas.

Federal Heights

Expertise.com Rating

Why choose this provider?

American Insurance Specialist is an independent agency that serves clients in Colorado. It offers some of the cheapest car insurance policies with a variety of coverage options, including bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. The agency also provides comprehensive coverage that includes several causes of loss, such as fires, floods, vandalism, and riots. It partners with more than 20 insurance companies, which allows it to provide coverage options that address the unique needs of clients.

Fort Collins

Expertise.com Rating

Why choose this provider?

Since 2005, locally owned and operated Mountain Plains Agency, Inc., has been serving clients in Colorado and the surrounding states. It offers the best car insurance plans that cover medical expenses due to deaths or injuries and repair expenses from vandalism, traffic accidents, and weather-related car damage. The agency works with more than 200 insurance carriers to provide coverage options that suit the needs and budgets of clients. It also provides insurance products for businesses, homes, renters, farms, and ranches.

Loveland

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
5.0 (42)
Yelp
3.0 (2)

Why choose this provider?

Weedin Agency Incorporated is a family-owned company that has been serving clients in Colorado since 1956. It offers car insurance policies with liability, collision, and comprehensive coverage options. The agency represents multiple insurance carriers, including Safeco, State Auto, and Dairyland, to provide personal and commercial insurance products and services for homeowners, workers, and businesses. Its agents are committed to working with clients one-on-one to help them choose the best coverage options for their needs and goals.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kersey Insurance & Investments
318 1st Street, Kersey, CO 80644
Mitch Davis
5275 Marshall Street, Arvada, CO 80002
Centennial State Insurance Group
7955 East Arapahoe Court, Centennial, CO 80112
Ullrich Insurance
5310 Ward Road, Arvada, CO 80002
Mitch Rogers
5110 Granite Street, Loveland, CO 80538
Dodrill Insurance
7807 West Mississippi Avenue, Lakewood, CO 80226
Aion Insurance Consultants
540 Garden of the Gods Road, Colorado Springs, CO 80907
Adams Insurance Advisors
Longmont, CO
Compass Insurance Group
7383 South Alton Way, Centennial, CO 80112
Young Insurance
806 South Public Road, Lafayette, CO 80026
Mike Mitchell Insurance Agency Inc.
3835 West 10th Street, Greeley, CO 80634
Becky Stevenson
2095 West 6th Avenue, Broomfield, CO 80020
Southern Colorado Insurance Center - Colorado Springs
4390 North Academy Boulevard, Colorado Springs, CO 80918
American Insurance Specialist
2121 West 84th Avenue, Federal Heights, CO 80260
Mountain Plains Agency, Inc.
4532 Mcmurry Avenue, Fort Collins, CO 80525
Weedin Agency Incorporated
1601 East Eisenhower Boulevard, Loveland, CO 80537

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.