Progressive Auto Insurance in Colorado
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Colorado for 2026 — plus the 3 cheaper alternatives most Colorado drivers overlook.
Estimated annual premium
$1,650
Estimated monthly
$138
Colorado state avg
$1,800
vs Colorado avg
-8%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Colorado minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $15K
Hail claims are the #1 driver of premium increases; consider comprehensive deductible adjustments.
Cheaper alternatives to Progressive in Colorado
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Colorado. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive head-to-head guides
Side-by-side breakdowns of the Progressive matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.
Progressive discounts available to Colorado drivers
Progressive Colorado rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive Colorado estimate for each class:
Progressive Colorado rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive Colorado estimate for each profile:
Frequently asked questions
Frequently asked questions
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Colorado's state-vs-national premium index ($1,800 ÷ national average $1,789 ≈ 1.01x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).