Best Home and Auto Insurance in Colorado

Below are our picks for the best home and auto insurance bundling companies in Colorado:

For nonmilitary drivers, Auto-Owners is the top choice for affordable home and car insurance bundles. On average, you can save 5% on auto policies and 9% on home insurance when bundling, plus additional discounts for paying on time and safety features. The company ranks second in the state for auto insurance customer service, according to J.D. Power.

USAA may not be the cheapest provider, but it offers a great balance of low rates and top-notch customer service in Colorado for both home and auto insurance. The company ranks first in customer service and claims satisfaction for both policies nationwide, according to J.D. Power. You'll save $255 annually and enjoy lower rates over time with its loyalty discount.

While Allstate isn't the cheapest option, it offers multiple ways to save beyond bundling. Its Drivewise program rewards safe driving with discounts of up to 40% on auto insurance. It also offers discounts for online policy management. Allstate provides a wide range of coverage options, including roadside assistance, mechanical breakdown insurance and coverage for shared housing.

Colorado's average monthly home and auto insurance cost is $369, above the national average of $258. Monthly rates vary by insurer, ranging from $234 to $550.

Our research shows that bundling home and auto insurance in Colorado may cost more than purchasing separate policies, though quotes can vary. Below are the average costs of coverage combinations from our top providers without bundling, ranked from cheapest to most expensive.

Auto-Owners, State Farm and USAA are the top choices for bundling home and auto insurance in Colorado. However, buying policies separately typically costs less. Compare quotes from multiple companies to find the best deal for your situation.

Find expert answers to common questions about Colorado home and auto insurance here:

MoneyGeek used data from the Colorado Division of Insurance and Quadrant Information Services to calculate home and auto insurance rates.

Bundle Scoring System

We combined this data with customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.

Using this information, we calculated a “bundle score” out of 100 based on the following weighted categories:

• Home insurance score: 40%
• Auto insurance score: 40%
• Discounts: 20%

Car, Home and Buyer Profile in Colorado

MoneyGeek’s typical profile includes:

• 40-year-old male
• Good driving history
• 2010 Toyota Camry LE
• 12,000 miles driven annually
• Home built in 2000

Coverage Levels in Colorado

MoneyGeek analyzed rates for full coverage auto insurance with these limits:

• $100,000 property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for homeowners insurance with the following coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible