The average car insurance premium in Littleton, Colorado is $592 for a policy with minimum coverage and $1,985 if you have full coverage. According to data from Quadrant Information Service, USAA and Geico offer the lowest annual rates for minimum coverage and full coverage car insurance in Littleton.
There are many car insurance companies in Littleton. Some have low rates while others offer great discounts. Others are well-known for their extensive coverage options. We compared some of Colorado’s largest car insurance companies based on factors like price and third-party ratings to find the best providers in Littleton.
The best car insurance companies in Littleton
Our in-depth comparison and evaluation revealed that American Family, State Farm and Progressive are our top picks for car insurance in Littleton. These providers offer great customer service, generous discounts, and multiple coverage options. J.D. also rates all four companies highly in customer satisfaction. AM Best rates AM Best as a strong and financially sound company.
American Family
J.D. Power’s annual auto insurance study ranked American Family at the top. Power’s annual auto insurance survey for customer satisfaction in the Southwest region (which includes Colorado) was published in J.D. American Family offers full coverage insurance at a lower average rate than the average. There are many discounts that can be used to save even more. American Family also offers many endorsements, such as gap insurance, OEM coverage, and accident forgiveness.
State Farm
State Farm has the highest number of drivers insurance companies. Littleton drivers love State Farm because of its low rates and excellent customer service. State Farm offers several discounts, including two apps-based safe driver reward programs. State Farm may be an option for Littleton drivers looking to bundle their policies. This can save you as much as $964 according to the company.
Progressive
Progressive’s car insurance rates are slightly higher in Littleton than the average. The company offers some the most competitive discounts in the business, which could help you get a lower rate. Progressive offers a variety of savings including bundling policies and enrolling in autopay.
USAA
USAA insurance is only available to active duty and retired military personnel, as well as their spouses or children. USAA is widely regarded as one of the top car insurance companies. They offer excellent customer service, low average rates, and reliable coverage. USAA offers discounts for being a good student, legacy customer, and driving below a certain amount of annual mileage.
Littleton has the lowest car insurance
Colorado’s average car insurance cost is $2,016 to get full coverage and $518 to get minimum coverage. This means that the average Full coverage rate in Littleton costs less than the state average premium. However, the average Minimum coverage rate is much more costly. For comparison, the average cost of car insurance in the United States is $1,674 for full coverage and $565 for minimum coverage.
Every car insurance company in Littleton charges a different rate. Each person’s needs and rating will determine their rates. Below is a table that shows the lowest average car insurance rates in Littleton, based on market share.
Geico, USAA, Auto-Owners, State Farm and Farmers offer some of the cheapest car insurance in Colorado. It is important to evaluate providers not only on price. Each low-cost insurance policy has its pros and con.
Auto-Owners and Farmers, when it comes to coverage options, are our top picks. Geico, USAA, and State Farm offer only limited endorsements. Each provider offers a range of discounts. However, the savings and amounts offered by each provider will differ.
We believe USAA is the best option if you’re a military member. State Farm offers excellent customer service and is available to anyone who requests a quote. J.D. rated Geico and farmers below-average. J.D. rated Power and Auto-Owners below-average.
Littleton insurance requirements
To legally drive a car in Littleton, drivers must have minimum coverage for their car. Colorado’s minimum car insurance requirements are abbreviated as 25/50/15 and include the following personal liability coverages:
- $25,000 bodily injury coverage per individual
- $50,000 per accident bodily injury coverage
- $15,000 in property damage coverage per accident
To keep your costs down, insurance experts recommend that you increase your coverage limits to provide greater financial protection. A minimum coverage policy may not cover all your financial obligations if you are involved in an accident. This could expose your assets. Consider that all drivers who lease or finance their vehicle must have full coverage insurance until the loan is paid off.
Littleton car insurance discounts
Drivers who want cheap car insurance should look for insurance companies in Littleton that offer discounts. These are some common savings that you will find in Littleton
- Discount on defensive driving courses: Drivers who successfully complete a driver safety program or approved defensive driving course can often receive a lower rate.
- Bundling Discount: Drivers who buy their renters or home insurance policies from the same company often get a substantial discount
- AutoPay Discount: Some insurance companies offer a small discount for enrolling in automatic payments.
- Student discount: Students in high school or college who have a minimum GPA and get good grades can often receive a discount on their insurance.
It is important to remember that insurance companies offer different discounts and savings. Compare car insurance companies to determine the savings potential for each discount. You can save more on your premium if you get a bigger discount.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company varies because every driver has different insurance needs. It will depend on your location, where you live, what you are willing to pay for insurance, and the car you drive. To compare rates and add-ons, it is a good idea to get quotes from multiple car insurance companies.
What amount of car insurance do you need in Littleton
Drivers in Littleton must carry at least 25/50/15 personal liability car insurance. Insurance companies recommend that drivers upgrade to full coverage policies or increase their coverage limits in order to have more financial protection.