Cheapest Teen Driver Auto Insurance in Colorado for 2025 (Save With These 10 Companies)
Geico, Liberty Mutual, and State Farm offer the cheapest teen driver auto insurance in Colorado, starting at $124 per month. These providers are ideal for teen drivers seeking affordable coverage. They also offer low-income options and ensure cost-effective policies for Colorado residents.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Apr 1, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 1, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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18,154 reviewsCompany Facts
CO Teen Min. Coverage
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18,154 reviewsThe top picks for the cheapest teen driver auto insurance in Colorado are Geico, Liberty Mutual, and State Farm, starting at just $124 per month.
These providers stand out for offering affordable, comprehensive auto insurance tailored to young drivers’ needs, including those from low-income families.
Our Top 10 Company Picks: Cheapest Teen Driver Auto Insurance in Colorado
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $124 | A++ | Cheap Rates | Geico |
 | #2 | $140 | A | Customizable Polices | Liberty Mutual |
 | #3 | $160 | B | Many Discounts | State Farm |
 | #4 | $179 | A | Student Savings | American Family |
 | #5 | $213 | A+ | Usage Discount | Nationwide |
 | #6 | $290 | A++ | Military Savings | USAA |
 | #7 | $293 | A+ | Add-on Coverages | Allstate |
 | #8 | $349 | A+ | Online Convenience | Progressive |
 | #9 | $387 | A | Local Agents | Farmers |
 | #10 | $432 | A++ | Accident Forgiveness | Travelers |
These companies combine cost-effectiveness with excellent customer service, guiding teens affordably through early driving. They are your top choices for the best rates and reliable coverage in Colorado.
Enter your ZIP code in our free tool today to find the best Colorado auto insurance rates for teens.
- Top picks for cheap teen auto insurance in Colorado start at $124 per month
- Geico leads with the best rates and comprehensive coverage for teens
- Tailored policies meet the unique needs of Colorado’s young drivers
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#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Geico auto insurance review emphasizes competitive rates designed for teen drivers in Colorado and its affordability for families.
- Variety of Discounts: Geico offers a wide range of discounts for good students and defensive driving courses, which can reduce the insurance premiums for teen drivers.
- Online Efficiency: Families on the go can manage policies and file claims online with Geico.
Cons
- Average Customer Service: Geico has customer service that is above average but not necessarily repulsive, but falls short of the best on the market.
- Limited Agent Interaction: Geico primarily operates online and over the phone, which may not suit individuals who prefer face-to-face interaction with insurance agents for personalized assistance.
#2 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual provides flexible policy options so customers can customize their coverage based on their needs and budget.
- Discount Opportunities: Liberty Mutual auto insurance review reveals diverse discount options like multi-policy and safe driving incentives, which enable customers to reduce their premiums.
- Strong Financial Stability: Liberty Mutual is solid as a rock, with top A.M. Best rates, which ensures consumers go to bed knowing it will pay claims or fulfill its obligations.
Cons
- Increased Rates: While Liberty Mutual offers custom policies, the premiums can be higher than those of other providers if you need specific levels of coverage.
- Mixed Reviews on Claims Process: Liberty Mutual’s claims process receives mixed reviews. Some customers are satisfied, while others report delays or complications.
#3 – State Farm: Best for Many Discounts
Pros
- Extensive Coverage Options: State Farm’s auto insurance review features a variety of coverage options including not just auto but home, life and beyond.
- Generous Discount Opportunities: Excellent student discounts and defensive driving course discounts are some other prevalent discounts that are given to reduce premiums.
- Large Network of Agents: State Farm has a wide network of local agents, offering personalized, face-to-face support for customers who want in-person help.
Cons
- Potentially Higher Rates for Teen Drivers: Some of the premium rates found in State Farm’s quotes are higher than expected for teen drivers, particularly without qualifying discounts.
- Mixed Customer Service Reviews: State Farm provides personalized agent service, though customer reviews on claim processing and communication are mixed.
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#4 – American Family: Best for Student Savings
Pros
- Student Savings: American Family has student discounts to help make insurance more affordable for teen drivers and their families.
- Flexible Options: American Family auto insurance review emphasizes customized policies and that customers can tailor coverage to fit their needs and budget.
- Excellent Customer Service: American Family has an excellent reputation for offering trusted customer service when policyholders are seeking advice and assistance.
Cons
- Limited Availability: American Family isn’t offered everywhere, so if you live outside of the provider’s service territory, your options may be limited.
- Potentially Enhanced Rates: While the company offers various discounts, some customers may find that their rates are still higher than those of other insurers, especially for teen drivers.
#5 – Nationwide: Best for Usage-Based Discount
Pros
- Usage-Based Discount: Nationwide provides a usage-based discount, so teen drivers can save money by proving they are safe drivers by using a monitoring device in the car or a smartphone app.
- Policy Upgrades: The company has several add-on coverages that provide policyholders with peace of mind and convenience, including rental car reimbursement and roadside assistance.
- Digital User Experience: Nationwide auto insurance review showcases online insurance platform features, including easy management of policies and claims, and 24/7 support.
Cons
- Potentially More Expensive: Despite discounts and perks, Nationwide may charge higher-than-average premiums compared to other insurers — especially for teen drivers.
- Limited Availability: Similar to American Family, Nationwide’s coverage may not be available in all states, limiting options for potential customers outside of their service area.
#6 – USAA: Best for Military Savings
Pros
- Competitive Rates: USAA auto insurance review considers its rates for teen drivers in Colorado, which will be of interest to families trying to save money.
- Comprehensive Coverage: Offers coverage specifically designed for young drivers and a broad range of policies to meet their needs on the road.
- Excellent Customer Service: USAA is also known for treating its customers well and answering their calls when policyholders need help.
Cons
- Membership Requirement: USAA is available to military members and certain family members, which means some people may not qualify.
- Restricted Access: Since USAA is exclusive to military personnel and their families, it may not be accessible to everyone in Colorado seeking auto insurance coverage.
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#7 – Allstate: Best for Add-On Coverages
Pros
- Coverage Extensions: Allstate has a large number of add-on coverages available that can be built on top of your policy.
- Local Advisors: Allstate’s auto insurance review notes that the company has personalized help through its network of local agents to make sure customers have support when they need it.
- Crash Forgiveness: Allstate includes accident forgiveness, so rates won’t rise due to the first accident, keeping premiums reasonable.
Cons
- Premium Charges: Allstate’s premiums may be higher compared to some other insurance providers, especially for teen drivers or those with less-than-perfect driving records.
- Claims Process: Some customers have reported dissatisfaction with Allstate’s claims process, citing delays or difficulties in getting claims resolved efficiently.
#8 – Progressive: Best for Online Convenience
Pros
- Ease of Online Use: Progressive auto insurance review shows a simple online environment for easy policy management, smooth claims processing, and access to resources anytime.
- Discounts Available: Progressive has a number of discounts available, including for safe driving, bundling multiple policies, and using its Snapshot program, which can lower customers’ premiums.
- SnapShot: Progressive offers a usage-based insurance plan called SnapShot that provides discounts to drivers who employ good driving behaviors at all times.
Cons
- Customer Response: Few customers report Progressive’s customer service is hit or miss.
- Higher Cost: While Progressive offers competitive rates, some customers may find their premiums higher compared to other providers for certain demographics or coverage levels.
#9 – Farmers: Best for Local Agents
Pros
- Local Agents: The Farmers auto insurance review or Colorado shows excellent local agent representation.
- Personalized Plans: They provide several coverage types and policy elements that allow customers to customize their insurance policies to suit their needs.
- Long-Term Savings Potential: Farmers is known to offer a number of discounts that could help lower customers’ premiums, including multi-policy and safe driver discounts.
Cons
- Higher Charges: Farmers is known for giving broad coverage options, but their rates can be higher than a lot of competitors, particularly with teen drivers.
- Limited Online Tools: Farmers’ online tools may not be as user-friendly or extensive as other insurers, potentially affecting the customer experience.
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#10 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers provides accident forgiveness programs allowing customers to rest easy knowing their rates may not increase after their first at-fault accident.
- Enhanced Coverage Options: They offer a range of coverage options from roadside assistance to rental car reimbursement to ensure customers have ample protection while out on the road.
- Flexible Payment Options: Travelers auto insurance review emphasizes its flexibility with payment plans that you can select on a monthly basis, making it easy for you to manage your premium.
Cons
- Limited Access: Travelers may limit options for clients who would be more comfortable working with a local agent or who reside outside the metro area.
- Potential Rate Increases: Travelers offer comprehensive coverage and excellent customer service, but their rates may be higher, especially for teen drivers.
Colorado Teen Driving Laws and Requirements
Colorado teens must meet Colorado minimum auto insurance requirements. Teen drivers must follow the state’s minimum auto insurance process. In these years, this insurance coverage is needful for the legal operation of a motor vehicle, like cheap car insurance for 17-year-olds.
Colorado requires the state minimum amount of auto insurance, including bodily injury liability and property damage, which you must meet to protect yourself in the event of an accident. Comparing quotes and checking for available discounts can help you find the cheapest auto insurance in Colorado, particularly for young men.
Colorado mandates minimum liability for teens, affecting premiums. Save by comparing quotes and using relevant discounts.Dani Best Licensed Insurance Producer
Bodily injury liability coverage helps pay for medical costs and legal expenses if an insured driver causes an accident. Property damage liability pays for repairs or replacement of the other party’s vehicle or property. So, your cheap car insurance covers these basic coverages.
Teen Driver Auto Insurance in Colorado: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $293 | $851 |
| $179 | $526 |
| $387 | $1,138 |
| $124 | $366 |
| $140 | $413 |
| $213 | $626 |
| $349 | $1,022 |
| $160 | $470 |
| $432 | $1,267 |
| $290 | $324 |
Explore the best auto insurance for teen drivers in Colorado by comparing rates from top cheap car insurance providers for young drivers like Geico, Liberty Mutual, and State Farm. You will also find many options for cheap car insurance for young female drivers to help families save.
Colorado Auto Insurance Monthly Rates by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $170 | $582 |
| 16-Year-Old Male | $188 | $617 |
| 17-Year-Old Female | $165 | $550 |
| 17-Year-Old Male | $183 | $585 |
| 18-Year-Old Female | $153 | $406 |
| 18-Year-Old Male | $161 | $474 |
| 19-Year-Old Female | $145 | $380 |
| 19-Year-Old Male | $152 | $445 |
| 20-Year-Old Female | $138 | $360 |
| 20-Year-Old Male | $145 | $422 |
| 21-Year-Old Female | $132 | $340 |
| 21-Year-Old Male | $139 | $400 |
Colorado auto insurance rates vary by age, gender, and coverage level. For minimum coverage, 16-year-old females pay around $170 monthly, while males pay $188. Rates decrease with age, with 21-year-old females paying $132 and males $139.
Full coverage follows a similar trend, with 16-year-olds paying $582 for females and $617 for males. Still, drivers can find cheap full coverage auto insurance in Colorado by comparing quotes and qualifying for discounts.
Penalties for Driving Without Insurance in Colorado
Driving without auto insurance is a serious crime. If drivers are cited without auto insurance and are unable to show proof of insurance to comply with the Colorado proof of insurance law. In the case, the penalties include fines, suspended licenses, suspended registrations, and even jail time. Drivers will then need to reinstate licenses and registration with the Colorado DMV.
Imposing penalties for such acts may lead to paying high fines, revocation of driving privileges, revocation of vehicle registrations, and, for serious violations, the possibility of being sentenced to prison. Drivers who are penalized must then navigate the cumbersome process of reestablishing the registration of their vehicles and their own licenses with the Colorado Department of Motor Vehicles, or DMV.
Several providers can help you find the best rates for the cheapest insurance in Colorado. Geico, Liberty Mutual, and State Farm offer affordable auto insurance, particularly for young drivers.
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Factors Behind High Teen Auto Insurance Rates in Colorado
Accidents, DUIs, and tickets are among the top seven factors that affect auto insurance rates. Knowing the reasons why these inflated costs are the norm will help families with young drivers find the cheapest car insurance in Colorado.
- Driving Record: Providing a safe driving history usually lowers insurance costs; accidents and other violations can make insurance more expensive.
- Age and Experience: Younger drivers who are less experienced statistically have a higher risk of being involved in an accident, so insurance will be higher for them.
- Vehicle Type: A vehicle’s make and model can impact its insurance costs. The cost to repair a vehicle, its safety features, and the likelihood that it will be stolen are all factored into the calculation.
- Location: Cost of insurance varies based on location; urban areas tend to pay more due to a higher risk of traffic accidents and greater risk of theft or vandalism.
- Credit Score: In some states, insurance companies use credit scores to determine rates, as individuals with higher credit scores are deemed less risky to insure.
These companies offer significant discounts, such as safe driver and good student discounts, for affordable young driver car insurance. In Denver, young driver car insurance is available at lower rates for students and new drivers.
Colorado’s most affordable car insurance options include coverage for students and 18-year-olds. Additionally, choosing the cheapest used cars to insure for young drivers can help lower premiums when considering a policy.
Take advantage of Colorado auto insurance discounts, student driver insurance, and gap insurance in Colorado to save on your policy. Be sure to compare quotes to find the best rates for young drivers.
Low-Cost Car Insurance Options for Young Drivers in Denver and Colorado
Finding the cheapest car insurance in Denver, CO, and all of Colorado is made easy with providers with rates as low as young drivers, students, and even 18-year-olds.
With competitive auto quotes from Geico, Liberty Mutual, and State Farm, Boulder and nearby residents have low car insurance options for young drivers. Discounts like good student or safe driver work are commonly used to land the cheapest vehicle insurance for youngsters.
These discounts can make car insurance for new drivers younger than 21 more affordable, and young drivers’ top insurance companies aim to deliver the best value while still covering everything the driver needs most.
Read more: Cheap Auto Insurance for 21-Year-Olds
Money-Saving Tips for Teens: Colorado Auto Insurance
Comparison shopping is a great way to find the cheapest auto insurance for teens in Colorado. Look for insurers that offer and specialize in teen-driver rates. Also take advantage of insurance company’s discounts.
Utilizing good student driver education and defensive driving discounts can lead to cheap auto insurance in Colorado. Bundling home and auto policies often results in further savings.
With the average car insurance cost per month in Colorado varying, you’ll want to shop for the cheapest new driver’s car insurance to ensure you get the best deal.
More importantly, focus on being safe and getting home responsible and clean behind the wheel, because that’s the best way to keep insurance rates low. As a result of these steps, Colorado teens can be confident that they are managing their auto insurance payment and finding affordable options while maintaining the appropriate coverage and financial protection while on the road.
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3 Case Studies: Navigating Affordable CO Auto Insurance for Teen Drivers
This guide will cover real-world examples of what you can do to help you or the teen driver in your life secure affordable driving coverage in the Colorado auto insurance market from the cheapest auto insurance companies.
Case Study #1: Sarah’s Path to Affordable Auto Insurance in Colorado
Teenagers like Sarah lower their auto insurance premiums by shopping around, taking advantage of discounts, and choosing providers like USAA that will give them enough coverage for a good price.
Case Study #2: Mark’s Teen Auto Insurance Experience in Colorado
Learn how Mark was able to find inexpensive auto insurance through Geico as a Boulder, Colorado 18-year-old, utilizing discounts and policies bundling that worked for him.
Case Study #3: Emma’s Journey to Finding the Right Auto Insurance in Colorado
Emma, a 16-year-old from Colorado Springs, was able to find cheap auto insurance at Liberty Mutual by shopping around for quotes and taking advantage of discounts.
To help make the search for cheap auto insurance for Colorado teen drivers easier, here are some of the things you should know about cheap auto insurance in Colorado.
Good student discounts can significantly reduce auto insurance costs for teens, yet many overlook this money-saving tip.Tonya Sisler Insurance Content Team Lead
From discounts to maintaining a clean driving record, young drivers will be able to find affordable full coverage auto insurance in Colorado that meets their needs, enabling them to drive within their means while still being confident on the road.
Affordable Teen Driver Auto Insurance in Colorado
Companies such as Geico, Liberty Mutual, and State Farm can help you get the cheapest teen driver auto insurance in Colorado, starting at $124 per month. Their teen drivers are covered at an inexpensive price through these low-cost teen driver insurance companies.
By comparing quotes and considering discounts like good student and safe driving incentives, you can secure the best value for your teen driver while meeting the state’s minimum auto insurance requirements by state. Start comparing today to save on coverage.
Ready to find cheap teen auto insurance in Colorado today? Enter your ZIP code into our free tool to get started.
Frequently Asked Questions
What is the best car insurance for teen drivers in Colorado?
The best car insurance for teen drivers in Colorado typically comes from companies like Geico, Liberty Mutual, and State Farm. These providers offer affordable premiums, discounts for safe driving, and good customer service tailored to young drivers.
How much is car insurance in Colorado for a 16-year-old?
On average, car insurance for a 16-year-old in Colorado costs around $170 to $190 monthly for minimum coverage. Full coverage can be much higher, with monthly rates ranging from $500 to $600, depending on the insurer and the teen’s driving history.
Find your cheapest auto insurance quotes in Colorado by entering your ZIP code into our free comparison tool.
What is the cheapest car insurance in Colorado?
The best cheap car insurance in Colorado will vary based on your profile and needs. All three have reasonable rates: Geico, Liberty Mutual, or State Farm. Comparing quotes from multiple providers and different types of auto insurance will help you find the best deal for your situation.
How much does it cost to insure a 16-year-old driver in Colorado?
The cost to insure a 16-year-old driver in Colorado can vary, but expect to pay between $150 and $600 monthly. The range depends on the coverage level, insurer, and whether the teen qualifies for discounts (e.g., good student, defensive driving course).
What is the average car insurance cost in Colorado?
The average cost of car insurance in Colorado is around $1,400 per year for full coverage, with minimum coverage averaging around $600 annually. Rates can vary based on location, driving history, and coverage choices.
How can I find cheap car insurance in Colorado Springs?
Compare quotes from top providers like Geico, Liberty Mutual, and State Farm to find cheap auto insurance in Colorado Springs. Consider factors that affect auto insurance rates, such as coverage type, available discounts, and your driving history, to get the most affordable rates.
How much is car insurance in Colorado per month for teens?
On average, a 16-year-old in Colorado will pay between $170 and $600 per month for car insurance, depending on gender, coverage level, and the provider. Teen drivers often face higher premiums due to their lack of experience on the road.
What are the best car insurance providers in Boulder, CO?
Geico, Liberty Mutual, and State Farm are some of the best car insurance providers in Boulder, CO. They provide competitive rates and discounts for safe driving and sound customer service, so they are popular choices in this category.
What are the best options for low-income car insurance in Colorado?
State Farm and Geico offer affordable auto insurance premium options for low-income drivers in Colorado. You could also qualify for discounts as a safe driver or multi-policy holder. Search for programs that offer state assistance or basic coverage to lower your premiums.
What is the cheapest car insurance for 15-year-olds in Colorado?
While most insurers won’t insure a 15-year-old independently, parents can add their child to their policy to save money. Providers like Geico, Liberty Mutual, and State Farm offer affordable options for young drivers under 16.
What factors affect the cost of car insurance in Colorado?
Factors that affect the cost of car insurance in Colorado include your age, driving history, location, type of vehicle, and the level of coverage you choose. Teens typically face higher rates due to inexperience, while drivers with clean records may qualify for lower rates.
How can I get cheap auto insurance for teens in Colorado?
Teen drivers in Colorado can access affordable auto insurance by choosing providers like Geico, Liberty Mutual, and State Farm. Discounts for good grades, driver education courses, and safe driving can also help reduce rates. The best auto insurance discounts for good drivers can further lower premiums for responsible teens.
Can a 16-year-old get car insurance in Colorado on their own?
A 16-year-old in Colorado cannot purchase car insurance on their own without a co-signer. But they can be added to a parent’s or guardian’s plan to make sure they’re covered. Some insurers also provide special teen driver policies designed to give young drivers cheaper coverage.
How does Geico car insurance in Colorado compare to other providers?
Geico offers affordable car insurance in Colorado at competitive rates and discounts, such as multi-policy bundling and good student savings. While it generally has lower pricing than providers like State Farm, its customer service may lack the personal touch of local agents.
Is full coverage car insurance cheaper in Colorado?
Full coverage auto insurance in Colorado generally costs more than liability coverage due to the added protection. However, rates vary by provider and personal factors. For example, in Colorado, Geico and State Farm offer competitive rates for full coverage auto insurance.
How can young drivers find the cheapest car insurance in Wisconsin?
We compared rates from multiple providers to help you find the cheapest car insurance for young drivers in Wisconsin. Seek discounts, such as good student, safe driving, and driver education discounts. Selecting minimum coverage and having a clean record can reduce premiums. Affordable options are Geico, Liberty Mutual, and State Farm.
What are some good insurance options for young drivers looking for affordable coverage?
Young drivers can find affordable insurance with providers like Geico, Liberty Mutual, and State Farm, which offer discounts for good grades. If driving less frequently, consider usage-based or pay-per-mile plans for additional savings.
How can drivers under 25 secure the cheapest auto insurance rates?
Drivers younger than 25 will have the best chance of saving on car insurance if they compare car insurance quotes, seek out discounts such as the best good student auto insurance discounts and safe driver discounts, go with a higher deductible, and choose a car that is cheaper to repair or replace, and bundle policies to save on multi-policy discounts.
Who is the cheapest car insurance for new drivers?
The cheapest car insurance for new drivers typically comes from providers like Geico, Liberty Mutual, and State Farm. These companies offer affordable rates, especially with discounts for safe driving or good student performance.
What is the cheapest way to get car insurance for a teenager?
The cheapest way for a teen to have car insurance is to be added to a parent’s or guardian’s auto policy, which can mean lower premiums. As in other areas, potential cost savers are good student discounts, graduation from driver education classes, and clean driving records.
Use our free comparison tool to see what Colorado auto insurance quotes look like.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.