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AUTO INSURANCE IN COLORADO

Drive with confidence. Real coverage, real savings.

Coverage that pays when it matters — from a local Colorado agent who helps you choose the right protection for your needs.
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See what's covered

COVERAGE

Everything in one policy

A standard Colorado auto policy includes six core types of protection. Here's what each one does for you.

liability insurance

Liability coverage

Pays for damages and injuries you cause to others in an at-fault accident — including their medical bills, car repairs, and legal fees. Required by Colorado law.
Collision coverage

Collision coverage

Covers repairs to your vehicle after a collision with another car or object, regardless of who is at fault — minus your deductible.
Comprehensive coverage

Comprehensive coverage

Pays for damage not caused by a crash — hail, fire, theft, falling objects, flood, and Colorado wildlife collisions. Essential in our state.
Uninsuredunderinsured motorist

Uninsured/underinsured motorist

Pays Protects you when the at-fault driver has no insurance or not enough of it — covering your medical bills and lost wages.
Medical payments (MedPay)

Medical payments (MedPay)

Covers medical and funeral expenses for you and your passengers after an accident, regardless of who is at fault — quick and without waiting on claims.
Untitled design-2

Optional add-ons

Roadside assistance, rental reimbursement, gap insurance, and rideshare coverage — customize your policy around your lifestyle and budget.

What's not covered by default

Standard auto policies exclude intentional damage, racing, using your car for commercial delivery, and mechanical breakdown. Ask us about add-ons that can fill these gaps. Talk to an agent →

PRICING

Rates that fit your home

Answer a few quick questions to see your estimated monthly rate.

$350,000
$100k$1M

Low risk: rural or suburban area, low weather events

$1,000
$500$5,000

Higher deductible = lower monthly premium

Standard (HO-3): covers most perils, actual cash value

Your estimated rate

Monthly

$119

per month

Annual estimate $1,428
Coverage type Standard (HO-3)
Deductible $1,000
Risk level Low

Bundle & save

Add auto insurance and save up to $215/year on this policy.

Get my exact quote →

Estimate only. Actual rate based on your full profile. No commitment required.

Home value

Highest single factor in your rate

Location

Weather & crime risk in your area

Deductible

Higher deductible lowers your premium

Coverage

Premium plans cover more at replacement cost

Why Benincasa Insurance

Why do most people choose us?

Because they're tired of overpaying — and tired of talking to strangers at 800 numbers who don't know their neighborhood.

 

One local point of contact

All your policies, one trusted Colorado agent. No more juggling calls between multiple providers or waiting on hold with a national call center.

 

We shop multiple carriers

As an Allstate agent with access to a broad market, we compare rates across carriers to find the best combination of price and coverage for your situation.

 

Big discounts from day one

Most clients save $1,000–$1,500 annually — often with better coverage than they had before. Bundling home and auto is the fastest path to savings.

 

Colorado-specific expertise

Hail storms, mountain driving, wildfire zones — we know Colorado's unique risks and make sure your policy reflects them without gaps.

 

Fast, easy claims support

When life gets complicated, we make the claims process as smooth as possible — a real person in your corner, not a ticket number in a queue.

 

Clear, ongoing policy reviews

We keep you informed with regular reviews so you always know your coverage and catch any changes before they affect you at claim time.

Customer reviews

Trusted by your neighbors

★★★★★ Google 4.8 BBB A+ Rated Allstate Premier Agent
★★★★★

"Switched my auto policy and immediately saved $600 a year. Reid made the whole thing take less than 20 minutes. I was honestly shocked it was that easy."

TK
Tom K.
Centennial, CO
★★★★★

"Got rear-ended on I-25 last winter. Filed a claim Monday morning, had a rental car by noon, and my car was fully repaired within the week. Incredible support."

ML
Maria L.
Denver, CO
★★★★★

"Bundled home and auto together and saved over $1,200 on the year. Reid walked me through every line of both policies so I actually understood what I was buying."

JW
James W.
Highlands Ranch, CO

Frequently Asked Questions

What is the minimum auto insurance required in Colorado?
Colorado law requires at minimum: $25,000 per person / $50,000 per accident in bodily injury liability, and $15,000 per accident in property damage liability. However, state minimums often leave you exposed financially — we'll help you find the right balance of protection and affordability.
Does my auto insurance cover hail damage?
Yes — if you carry comprehensive coverage. Hail is one of Colorado's most common and costly risks. Comprehensive covers damage from hail, falling objects, wind, fire, flood, theft, and wildlife collisions. We strongly recommend it for Colorado drivers.
Can I bundle home and auto insurance?
Yes — and it's one of the fastest ways to save money. Bundling home and auto insurance saves most of our clients 12–18% annually. You'll manage both policies from one account with one renewal date and one local agent to call.
Is switching insurance companies complicated?
Not with us. We handle the transition for you — comparing your current policy, matching or improving your coverage, and timing the switch so there's no gap. Most clients are fully switched in a single 20-minute call.
Will I be able to reach someone when I need help?
Yes. You'll work directly with a local Colorado agent — not a national call center. When you call, you reach a real person who knows your name, your policy, and your neighborhood.
Does a teen driver affect my rate?
Adding a young driver does typically increase premiums, but we can help offset that with good student discounts, driver training discounts, and the right vehicle assignment strategy. Talk to us before you add them — we'll walk you through the options.

Ready to protect your home?

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