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November 2000 § up to $25 per person per day to cover essential services
Auto Insurance Premium Comparison (services the injured person would have otherwise
performed prior to the accident, such as cooking and
A SURVEY OF PRIVATE PASSENGER AUTOMOBILE cleaning) for a maximum of one year;
INSURANCE COSTS IN COLORADO § $1,000 per person death benefit.
A publication of the Uninsured Motorist/Underinsured Motorist
Department of Regulatory Agencies
Colorado Division of Insurance
William J. Kirven III
T he “uninsured motorist” portion of this coverage is for
your bodily injury losses caused by a hit-and-run driver or
Commissioner of Insurance a driver who has no automobile liability insurance. This
1560 Broadway, Suite 850 coverage takes the place of insurance the other driver should
Denver, CO 80202 have purchased.
303-894-7490 The “underinsured motorist” portion of this coverage is for
800-930-3745 bodily injury losses which you are legally entitled to collect
www.dora.state.co.us/insurance
from the owner or driver of an underinsured vehicle. An
About this guide underinsured vehicle is a vehicle that is insured, but the bodily
o use this guide effectively you need to choose which of injury liability limits (see Liability) of that vehicle’s policy are
T the four drivers (driver A, B, C or D) most closely compares less than the limits of your uninsured/underinsured motorist
coverage. The minimum amount of uninsured/underinsured
to you and then determine the category that reflects your
experience as a driver. Preferred programs are for drivers with motorist coverage, unless waived by the policyholder, is as
the best driving records, standard programs are for drivers with follows:
average driving records and non-standard programs are for § $25,000 per person for uninsured/underinsured motorist;
drivers with poor driving records. § $50,000 per accident for uninsured/underinsured motorist.
The premiums quoted in this guide were drawn from a Uninsured Motorist Property Damage
survey of 2000 premiums and are based on a 4-door sedan,
1999 Ford Taurus LX. All premiums in this guide are for a
coverage period of six months and reflect a comprehensive
T his is an optional coverage you can request if you do not
have collision coverage on your vehicle. Uninsured
Motorist Property Damage (UMPD) pays for damages to your
deductible of $250 and collision deductible of $250. vehicle caused by an at fault owner of an uninsured motor
Coverage limits for the vehicle are the minimum required vehicle. UMPD will not pay if the vehicles did not touch, the
by law, unless otherwise noted. Read the explanations below damages are payable under other insurance or for the loss of
for a careful examination of these minimum coverages. The use of the vehicle.
Division does not recommend the purchase of only statutory
minimums of insurance. Each individual and family must What are collision and comprehensive insurance?
determine the appropriate amount of insurance to purchase.
W HAT ARE THE MINIMUM COVERAGES REQUIRED BY LAW?
C ollision insurance pays for damages to your car when
caused by collision with another vehicle or object or by a
rollover. Collision insurance is not required by law, but is
C olorado law mandates that automobile insurance policies
sold in the state provide:
typically purchased for late model vehicles and is often
required by lenders as a condition to financing the vehicle.
§ liability insurance; Comprehensive insurance protects you against damage to
§ personal injury protection (PIP), and your own car from such perils as fire, theft, glass damage, hail,
§ uninsured/underinsured motorist coverage. windstorm, flood, vandalism and other causes. Comprehensive
This can be waived only if it has been rejected in writing by the insurance is also not required by law.
insured. The definitions below provide more detail on each
type of insurance required by Colorado statutes. TIPS FOR LOWERING YOUR PREMIUM
Liability þ Shop around. Use the information in this guide.
L iability insurance is generally defined as coverage for
bodily injury you cause to another person or for property
þ
þ
Maintain a good driving record.
Take the highest deductible you can afford on your collision and
damage you cause to another’s property through negligent comprehensive coverage.
operation of your vehicle. Liability insurance also affords þ Before buying a vehicle, determine the cost of insuring it.
coverage if the accident was caused by a member of your þ Consider carrying only personal injury protection and liability
household driving your vehicle or by a person using your insurance on vehicles with a market value of less than $1,000.
vehicle with your consent. The minimum amount of liability þ Ask your company or agent if you are eligible to reduce your
insurance required by Colorado law is as follows: premiums though discounts or by choosing optional coverages or
§ $25,000 per person for bodily injury; benefits. For instance, you may pay less for your Personal
§ $50,000 per accident for bodily injury; Injury Protection coverage by choosing a PPO option or by
§ $15,000 per accident for property damage. choosing not to have wage loss. Discounts may also be available
such as good student, driver training, multiple cars or multiple
Personal Injury Protection policies, compact car, anti-theft, air bags, and pleasure use only.
C ommonly referred to as no-fault insurance,
PIP provides coverage for certain medical and
þ If your family income qualifies, you may be eligible for a “low
income” policy with lower benefits. Ask your agent or
rehabilitation expenses, lost wages and loss of essential company.
services resulting from injuries sustained in an automobile þ An “operator’s” policy is available which covers the driver, not
accident while occupying an insured vehicle. It also provides the vehicle. This policy has many limitations. Ask your
coverage for persons injured in accidents involving the agent or company.
insured vehicle, such as passengers and pedestrians. This
coverage is different from liability coverage because it will pay
benefits for injuries whether or not the insured person is
negligent or “at fault". The minimum amount of PIP insurance
required by law is as follows:
§ $50, 000 per person to cover reasonable and necessary
medical expenses, up to five years;
§ $50, 000 per person to cover reasonable and appropriate
rehabilitation expenses, up to ten years; (If medical benefit
has been exceeded, medical expenses may be paid under
the rehabilitation benefit.)
§ up to $400 per person per week to cover loss of gross
income for a maximum of one year;
Private Passenger Auto Insurance Driver A Driver B Driver C Driver D
2000 Premium Comparison 21-yr old male, single, principal operator, 21-yr old female, single, principal 35-yr old male, married, principal 68-yr old female, married, pleasure use
(Premiums for six months coverage on a drives less than than 10 miles to work operator, drives less than 10 miles to operator, drives less than 15 miles to only, annual mileage less than 7,500 miles,
1999 Ford Taurus LX 4-door sedan) each way, no accidents or traffic work each way, no accidents or traffic work each way, no accidents or traffic no accidents or traffic convictions in
convictions in three years. convictions in three years. convictions in three years. three years.
Company Mkt Grand Ft. Grand Ft. Grand Ft. Grand Ft.
Preferred Programs Share 1 Durango Aurora Denver Junction Sterling Pueblo Collins Durango Aurora Denver Junction Sterling Pueblo Collins Durango Aurora Denver Junction Sterling Pueblo Collins Durango Aurora Denver Junction Sterling Pueblo Collins
AIU Insurance Co 0.51% 804 947 1,083 807 894 1,030 736 688 811 929 691 766 884 632 363 429 488 363 402 464 333 263 313 356 265 291 339 243
Allied Property & Casualty Ins Co 0.21% 838 1,101 1,244 849 1,206 1,541 797 655 854 964 662 945 1,197 622 404 519 583 406 583 728 382 305 386 431 305 442 542 288
2
Allstate Insurance Co 7.27% 785 966 1,132 785 847 948 708 644 831 952 644 704 793 589 445 586 664 445 490 559 411 323 415 474 323 352 400 296
Amco Insurance Co 0.19% 876 1,156 1,303 890 1,264 1,614 837 686 896 1,009 694 991 1,254 654 423 544 610 426 612 762 402 320 404 452 320 464 567 303
American Family Mutual Insurance Co 6.57% 960 1,610 1,788 960 1,114 1,616 1,027 668 1,119 1,242 668 776 1,123 715 461 769 853 461 534 772 493 341 566 628 341 394 568 364
American National P & C Co 0.32% 674 747 1,061 598 754 812 640 640 711 1,011 570 717 772 608 431 479 678 383 482 520 410 351 389 550 310 392 423 333
Amica Mutual Insurance Co 0.46% 997 1,025 1,292 997 1,004 1,206 889 663 684 854 663 667 797 594 459 475 587 459 460 548 414 403 418 514 403 406 481 364
Avomark Insurance Co 0.03% 788 1,181 1,317 803 1,055 1,177 936 698 1,045 1,166 711 934 711 828 204 305 340 208 272 304 242 150 224 249 152 199 223 177
California Casualty Indemnity Exchange 0.23% 456 613 709 446 545 633 443 657 883 1,022 644 787 913 639 294 396 458 288 352 409 287 213 287 332 209 254 296 209
Colo Farm Bureau Mutual Ins Corp 1.04% 663 754 1,084 655 783 884 706 631 715 1,031 623 743 841 669 401 455 655 396 473 534 426 355 401 578 350 418 471 376
Continental Insurance Co 9 0.00% 361 493 551 371 500 594 363 305 414 461 313 418 494 306
Country Mutual Insurance Co 0.56% 728 774 1,558 728 866 1,207 666 627 667 1,341 627 745 1,039 573 414 442 886 414 492 687 379 409 436 874 409 486 678 374
Country Preferred Insurance Co 0.05% 582 620 1,245 582 692 965 533 496 528 1,059 496 589 821 453 370 395 790 370 439 613 338
Eagle American Insurance Co 0.02% 591 820 1,098 591 887 1,132 637 475 659 883 475 713 910 513
Employers' Fire Insurance Co 0.25% 1,009 1,285 1,615 1,009 1,354 1,671 1,135 1,009 1,285 1,615 1,009 1,354 1,671 1,135 557 712 892 557 635 920 626 493 631 790 493 562 815 554
Farmers Insurance Exchange 4 12.96% 1,185 1,227 1,598 1,008 1,347 1,489 1,038 974 1,013 1,318 832 1,090 1,229 851 487 511 673 410 553 630 430 379 400 529 317 433 497 336
Government Employees Insurance Co 2.51% 952 1,263 1,430 952 1,094 1,222 983 680 913 1,030 680 775 870 702 449 598 675 449 513 574 463 343 455 514 343 391 437 353
5
Grange Insurance Association 0.11% 832 1,025 1,128 832 972 1,185 820 751 927 1,018 751 851 1,070 721 494 605 663 494 557 693 475 454 557 608 454 511 636 437
GuideOne Elite Insurance Co 0.13% 782 960 1,205 799 967 1,373 792 603 740 929 616 746 1,058 611 424 520 654 434 524 744 429 345 423 531 352 426 604 349
Hartford Accident & Indemnity Co 0.03% 767 962 1,202 767 874 1,037 701 570 713 891 570 647 769 521 450 563 703 450 512 605 412 387 484 602 387 441 519 353
Hartford Ins Co of the Midwest 0.04% 484 464 640 431 531 542 409 398 381 526 355 437 446 338
Liberty Mutual Fire Insurance Co 1.01% 969 1,084 1,400 990 1,125 1,295 935 691 774 998 706 802 923 667 392 439 564 400 453 520 378 338 379 486 345 391 448 326
National Farmers Union P&C Co 0.45% 833 910 1,191 822 991 1,087 790 698 762 997 689 830 911 662 453 495 646 447 538 590 430 347 378 493 342 412 450 329
Nationwide Mutual Fire Insurance Co 0.19% 871 1,057 1,165 884 998 1,126 905 612 743 819 621 701 791 636 453 550 605 460 518 584 471 334 405 446 339 381 429 347
Nationwide Mutual Insurance Co 0.38% 897 1,089 1,200 911 1,028 1,161 933 631 765 843 640 722 814 656 467 566 623 474 534 601 485 344 417 459 349 392 442 357
PAFCO General Insurance Co 0.08% 1,487 2,131 2,164 1,487 1,511 2,132 1,594 1,132 1,615 1,654 1,132 1,155 1,609 1,206 807 1,149 1,165 807 818 1,151 864 795 1,132 1,146 795 806 1,135 852
7
Progressive Casualty Insurance Co 0.29% 955 1,103 1,405 855 975 1,150 858 748 877 1,133 678 776 928 673 564 665 881 518 599 723 511 463 560 711 424 478 589 422
7
Progressive Mountain Insurance Co 0.24% 1,047 1,209 1,541 938 1,069 1,261 941 820 961 1,244 744 850 1,019 740 618 729 966 569 656 791 558 508 615 780 464 523 645 460
Progressive Preferred Insurance Co 7 0.27% 878 1,005 1,263 792 895 1,044 795 701 811 1,028 641 724 851 638 543 628 809 504 570 676 496 458 542 670 424 470 565 421
Progressive Specialty Insurance Co 7 0.54% 913 1,053 1,344 819 932 1,099 821 716 839 1,084 650 743 889 646 540 636 842 498 572 690 488 443 537 682 406 457 564 402
Prudential Property & Casualty Ins Co 0.40% 782 1,056 1,092 800 834 850 798 552 744 770 565 589 600 564 438 589 609 449 467 476 447 305 407 421 311 325 331 312
Rocky Mountain Fire & Casualty Co 5 0.02% 848 923 1,042 848 917 931 730 743 808 913 743 777 814 619 469 512 577 469 491 515 392 343 376 422 343 358 378 287
SAFECO Ins Co of America 1.83% 738 987 1,041 735 855 1,188 723 513 688 725 513 596 827 505 429 575 607 430 500 692 424 316 425 448 316 370 510 314
SAFECO Ins Co of Illinois 10 0.00% 738 987 1,041 735 855 1,188 723 513 688 725 513 596 827 505 368 495 521 368 430 594 365 272 366 386 272 319 439 271
Shelter Mutual Insurance Co 0.82% 663 741 951 661 723 922 633 484 540 692 482 527 671 461 344 384 491 342 374 476 328 254 283 361 253 276 350 243
St. Paul Guardian Insurance Co 0.23% 1,058 1,263 1,430 1,076 1,467 1,575 1,038 648 772 874 659 896 961 636 437 518 586 444 600 643 428 336 398 448 341 459 492 330
State Farm Mutual Automobile Ins Co 21.69% 691 767 1,051 684 823 926 661 591 656 899 585 703 792 565 424 472 645 419 504 569 405 307 342 467 304 364 412 293
Teachers Insurance Co 0.28% 479 491 736 425 423 699 399 372 383 571 331 329 542 311
Travco Insurance Co 0.02% 779 1,075 1,168 792 1,434 1,388 877 573 790 858 583 1,055 1,020 648 371 505 550 376 677 653 418 321 434 471 323 581 558 360
United Services Automobile Assoc 3.39% 707 973 876 662 742 742 633 533 562 657 499 558 632 478 358 377 438 336 375 422 323 288 303 351 271 301 338 261
USAA Casualty Insurance Co 2.52% 691 822 364 720 810 810 770 504 597 262 522 589 741 560 288 338 144 299 333 381 318 268 314 133 278 310 353 296
West American Ins Co 0.15% 780 1,209 1,382 815 1,149 1,256 906 701 1,087 1,242 732 1,032 1,129 815 445 689 787 465 654 714 517 327 506 577 341 479 523 379
Windsor Insurance Co 0.03% 618 746 838 609 650 807 583 532 656 740 523 558 702 496 378 467 525 372 399 498 353 347 429 483 341 363 451 325
Worldwide Insurance Co 0.15% 671 915 921 652 739 899 687 455 621 624 443 499 609 466 322 439 441 312 353 431 328 274 374 378 269 302 367 281
Total Market Share / Median Premium 68.48% 876 1,033 1,222 819 979 1,161 818 661 817 979 650 778 922 649 440 541 657 432 515 623 429 357 441 527 350 416 504 350
Standard Programs
Allegiance Insurance Co 0.01% 498 512 767 443 440 728 416 387 399 595 344 343 565 324
Allied Property & Casualty Ins Co 0.09% 1,085 1,427 1,613 1,100 1,564 1,999 1,032 848 1,106 1,248 856 1,224 1,552 805 473 608 683 475 684 854 447 357 451 504 356 518 635 336
Amco Insurance Co 0.08% 1,135 1,497 1,688 1,152 1,639 2,094 1,084 887 1,160 1,307 898 1,283 1,626 845 495 637 715 498 717 894 470 373 472 528 373 543 665 354
American National General Ins Co 0.07% 918 1,033 1,460 824 1,017 1,131 875 846 955 1,348 761 937 1,042 807 682 766 1,081 611 752 840 648 563 634 893 505 620 692 534
Colo Farm Bureau Mutual Ins Corp 0.04% 153 1,190 1,721 1,040 1,233 1,394 1,115 1,000 1,131 1,634 989 1,172 1,326 1,058 635 719 1,039 628 744 841 673 561 633 917 554 657 741 594
Continental Insurance Co 0.00% 819 1,130 1,278 843 1,161 1,388 821 648 892 1,006 666 914 1,090 649
Country Casualty Insurance Co 0.01% 877 934 1,875 877 1,043 1,454 802 775 826 1,656 775 921 1,284 709 591 631 1,261 591 702 979 540 559 598 1,195 559 664 927 512
Employers' Fire Insurance Co 0.09% 1,187 1,509 1,900 1,187 1,152 1,962 1,332 1,187 1,509 1,900 1,187 1,152 1,962 1,332 654 835 1,050 654 746 1,079 734 579 739 930 579 660 957 650
GEICO Indemnity Co 0.38% 1,474 1,819 2,079 1,474 1,640 1,806 1,457 1,085 1,347 1,538 1,085 1,212 1,341 1,072 840 1,050 1,196 840 940 1,044 830 742 924 1,054 742 830 920 733
Grange Insurance Association 5 0.01% 1,107 1,369 1,507 1,107 1,295 1,583 1,092 999 1,236 1,359 999 1,134 1,428 958 651 803 881 651 735 919 626 596 736 805 596 674 842 573
GuideOne Mutual Insurance Co 0.05% 937 1,124 1,414 949 1,131 1,653 933 723 867 1,090 732 873 1,274 720 509 610 766 515 614 896 507 414 495 622 419 499 726 412
Hartford Casualty Insurance Co 0.03% 1,162 1,112 1,553 1,032 1,281 1,309 979 1,120 931 1,300 866 1,073 1,096 819
Hartford Fire Insurance Co 0.03% 617 591 819 550 678 693 521 507 485 671 451 556 568 428
Hartford Ins Co of the Midwest 0.11% 564 540 749 502 620 633 476 464 445 614 413 508 520 393
Hartford Underwriters Ins Co 1.98% 413 526 686 397 487 577 430
Private Passenger Auto Insurance Driver A Driver B Driver C Driver D
2000 Premium Comparison 21-yr old male, single, principal operator, 21-yr old female, single, principal 35-yr old male, married, principal 68-yr old female, married, pleasure use
(Premiums for six months coverage on a drives less than than 10 miles to work operator, drives less than 10 miles to operator, drives less than 15 miles to only, annual mileage less than 7,500 miles,
1999 Ford Taurus LX 4-door sedan) each way, no accidents or traffic work each way, no accidents or traffic work each way, no accidents or traffic no accidents or traffic convictions in
convictions in three years. convictions in three years. convictions in three years. three years.
Company Mkt Grand Ft. Grand Ft. Grand Ft. Grand Ft.
Horace Mann Insurance Co 0.19% 1,377 1,491 1,870 1,227 1,312 1,766 1,158 877 951 1,191 783 836 1,124 738 589 638 798 525 561 753 496 457 496 620 408 436 584 385
Share 1 Durango Aurora Denver Junction Sterling Pueblo Collins Durango Aurora Denver Junction Sterling Pueblo Collins Durango Aurora Denver Junction Sterling Pueblo Collins Durango Aurora Denver Junction Sterling Pueblo Collins
Mid-Century Insurance Co 3.49% 1,490 1,567 1,995 1,230 1,704 1,929 1,375 1,446 1,509 1,880 1,232 1,564 1,827 1,314 901 960 1,214 757 991 1,180 832 782 837 1,064 654 863 1,030 724
National Farmers Union Std Ins Co 0.01% 1,400 1,530 2,001 1,381 1,665 1,828 1,328 1,172 1,281 1,675 1,157 1,394 1,530 1,112 760 830 1,085 750 903 991 721 582 635 828 574 692 756 552
Ohio Casualty Insurance Co 0.02% 959 1,490 1,703 1,002 1,408 1,547 1,117 861 1,339 1,530 901 1,265 1,389 1,004 546 848 968 570 800 878 636 400 621 708 418 585 642 466
PAFCO General Insurance Co 0.02% 1,608 2,304 2,344 1,608 1,641 2,307 1,725 1,225 1,748 1,792 1,225 1,252 1,742 1,304 871 1,242 1,261 871 889 1,243 933 859 1,224 1,240 859 875 1,226 921
Progressive Casualty Insurance Co 7 0.28% 1,187 1,366 1,748 1,061 1,215 1,430 1,064 930 1,088 1,412 844 966 1,154 838 743 872 1,164 683 792 950 670 560 683 864 514 580 712 508
Progressive Mountain Insurance Co 7 0.22% 1,300 1,498 1,919 1,164 1,331 1,569 1,169 1,020 1,193 1,549 925 1,061 1,269 918 813 957 1,276 748 868 1,043 736 614 737 947 563 637 780 557
7
Progressive Preferred Insurance Co 0.15% 1,105 1,264 1,601 997 1,132 1,323 999 886 1,022 1,310 810 919 1,085 804 724 837 1,097 672 768 910 660 562 659 827 520 579 693 515
Progressive Specialty Insurance Co 7 0.60% 1,134 1,307 1,672 1,015 1,162 1,368 1,020 890 1,041 1,350 807 927 1,105 800 711 835 1,113 652 758 909 642 537 645 825 491 557 680 488
Prudential General Insurance Co 0.00% 1,054 1,432 1,474 1,086 1,122 1,142 1,086 746 1,010 1,039 767 793 807 768 590 798 821 609 627 638 608 462 622 641 475 490 499 475
Rocky Mountain Fire & Casualty Co 5 0.00% 1,056 1,246 1,407 1,056 1,237 1,256 987 924 1,092 1,232 924 1,049 1,100 837 584 691 780 584 662 697 529 427 507 572 427 484 511 387
Shelter Mutual Insurance Co 0.00% 947 1,060 1,355 938 1,034 1,316 900 690 772 986 683 753 957 656 490 548 699 486 535 679 467 362 404 514 359 395 499 345
State Farm Fire & Casualty Co 1.24% 805 894 1,226 797 952 1,079 768 663 738 1,010 656 784 889 633 521 581 794 516 616 700 498 408 456 621 404 481 548 389
Windsor Insurance Co 0.03% 770 939 1,057 760 811 1,012 725 665 830 939 655 699 886 621 480 605 682 473 506 642 447 443 556 630 435 464 592 413
Total Market Share / Median Premium 9.20% 1,141 1,353 1,638 1,083 1,261 1,495 1,084 932 1,097 1,332 880 1,020 1,216 873 648 766 943 617 718 853 611 518 619 753 494 571 683 493
Non-Standard Programs
Allied Property & Casualty Ins Co 0.06% 1,246 1,506 1,729 1,254 1,744 2,139 1,153 985 1,216 1,413 993 1,384 1,725 927 751 929 1,082 755 1,060 1,318 712 592 738 858 597 829 1,040 561
Allstate Indemnity Co 2.30% 1,453 1,946 2,141 1,453 1,641 1,813 1,333 1,068 1,479 1,613 1,068 1,221 1,361 987 802 1,123 1,214 802 919 1,036 744 795 1,109 1,205 795 913 1,028 742
Amco Insurance Co 0.14% 1,338 1,628 1,863 1,349 1,874 2,296 1,237 1,057 1,314 1,522 1,068 1,487 1,852 995 806 1,004 1,166 811 1,140 1,415 764 635 797 924 642 890 1,117 602
American International South Ins Co 3 0.06% 1,246 1,753 2,123 1,138 1,482 1,693 1,351 1,026 1,474 1,793 960 1,231 1,419 1,117 811 1,168 1,416 763 974 1,120 883 834 1,182 1,432 770 993 1,137 903
American Std Ins Co of Wisconsin 1.68% 1,458 2,471 2,723 1,458 1,674 2,471 1,546 1,017 1,719 1,893 1,017 1,167 1,719 1,078 703 1,182 1,302 703 805 1,183 745 521 872 959 521 596 872 552
Country Casualty Insurance Co 0.00% 1,277 1,357 2,732 1,277 1,519 2,116 1,167 1,126 1,198 2,410 1,126 1,340 1,867 1,030 857 913 1,833 857 1,019 1,421 784 812 865 1,736 812 965 1,345 742
Dairyland Insurance Co 0.40% 1,614 2,004 2,244 1,614 1,620 1,914 1,650 1,236 1,554 1,740 1,236 1,248 1,464 1,260 786 978 1,098 798 798 918 804 876 1,086 1,206 876 888 1,020 888
Financial Indemnity Co 0.15% 1,226 1,801 1,942 1,226 1,456 1,627 1,126 1,040 1,535 1,651 1,040 1,231 1,384 956 534 788 851 534 632 708 494 494 735 788 494 583 657 459
GEICO Casualty Co 0.55% 1,474 1,756 2,053 1,474 1,636 1,768 1,426 1,188 1,444 1,680 1,188 1,321 1,448 1,154 920 1,123 1,304 920 1,026 1,128 896 917 1,118 1,299 917 1,023 1,124 892
Guaranty National IC - Orion Auto 0.21% 1,420 1,750 2,350 1,234 1,378 1,540 1,312 1,126 1,396 1,846 970 1,090 1,222 1,030 922 1,156 1,540 802 904 1,030 856 850 1,066 1,414 742 838 934 790
Guaranty Nat'l IC - Orion Auto Select 6 0.38% 1,414 1,714 2,296 1,210 1,360 1,498 1,288 1,108 1,360 1,822 964 1,084 1,192 1,018 910 1,138 1,510 796 898 994 850 844 1,054 1,378 730 826 916 784
GuideOne Specialty Mutual Ins Co 0.40% 1,614 1,968 2,610 1,620 1,698 1,944 1,539 1,320 1,590 2,091 1,323 1,392 1,566 1,254 843 1,002 1,314 846 921 1,029 804 789 951 1,257 792 840 957 753
Illinois National Insurance Co 3 0.35% 1,318 1,868 2,260 1,210 1,573 1,796 1,437 1,086 1,570 1,909 1,021 1,308 1,505 1,190 859 1,244 1,508 812 1,035 1,188 939 882 1,259 1,524 819 1,055 1,207 961
Liberty Insurance Corporation 0.09% 1,446 1,619 2,092 1,476 1,680 1,933 1,395 1,079 1,209 1,559 1,102 1,253 1,441 1,042 825 922 1,190 842 955 1,098 796 708 794 1,021 722 820 942 683
Ohio Security Insurance Co 0.00% 1,159 1,789 2,034 1,209 1,692 1,852 1,348 1,042 1,608 1,828 1,087 1,521 1,664 1,211 661 1,020 1,158 690 963 1,053 769 486 749 849 506 706 771 564
PAFCO General Insurance Co 0.28% 2,002 2,868 2,921 2,002 2,043 2,870 2,150 1,522 2,172 2,232 1,522 1,557 2,167 1,624 1,083 1,542 1,571 1,083 1,104 1,546 1,162 1,067 1,520 1,545 1,067 1,087 1,525 1,146
Progressive Casualty Insurance Co 7 0.33% 1,863 2,149 2,775 1,672 1,921 2,266 1,672 1,475 1,727 2,264 1,341 1,546 1,849 1,327 1,142 1,341 1,807 1,052 1,226 1,473 1,030 888 1,068 1,391 815 929 1,138 804
Progressive Mountain Insurance Co 7 0.26% 2,046 2,358 3,049 1,835 2,109 2,487 1,837 1,619 1,896 2,487 1,472 1,695 2,030 1,456 1,252 1,472 1,984 1,152 1,345 1,618 1,130 976 1,172 1,524 895 1,020 1,249 881
Progressive Preferred Insurance Co 7 0.08% 1,808 2,059 2,614 1,643 1,862 2,166 1,642 1,471 1,693 2,172 1,358 1,538 1,806 1,343 1,186 1,360 1,777 1,107 1,262 1,483 1,087 956 1,114 1,402 894 995 1,180 884
Progressive Specialty Insurance Co 7 0.51% 1,782 2,056 2,654 1,599 1,838 2,166 1,599 1,410 1,650 2,166 1,284 1,478 1,770 1,270 1,091 1,283 1,727 1,005 1,172 1,411 986 850 1,021 1,329 780 890 1,088 770
Shelter General Insurance Co 0.11% 1,165 1,260 1,575 1,146 1,228 1,528 1,077 834 902 1,125 821 879 1,092 772 729 787 982 717 767 953 674 539 581 724 530 567 702 499
Titan Indemnity Co 0.81% 1,593 1,812 2,173 1,420 1,609 1,866 1,457 1,328 1,553 1,912 1,201 1,368 1,625 1,220 1,068 1,236 1,551 971 1,111 1,314 981 867 1,046 1,294 794 903 1,094 804
6
Viking Ins Co of WI -Orion Auto Select 0.21% 1,427 1,728 2,312 1,229 1,383 1,510 1,327 1,098 1,357 1,816 958 1,073 1,200 1,015 720 934 1,226 628 712 809 674 731 904 1,207 632 716 791 686
Viking Ins Co of Wisconsin-Orion Auto 0.32% 1,474 1,796 2,403 1,276 1,424 1,578 1,360 1,137 1,417 1,890 982 1,114 1,248 1,056 739 961 1,280 653 739 844 688 753 945 1,256 657 743 826 700
Windsor Insurance Co 0.15% 890 1,083 1,220 877 937 1,170 836 769 958 1,082 755 808 1,025 716 556 698 788 548 585 741 517 511 640 724 502 534 683 475
Total Market Share / Median Premium 9.82% 1,446 1,796 2,260 1,349 1,636 1,866 1,360 1,108 1,479 1,828 1,068 1,308 1,505 1,078 825 1,123 1,304 802 963 1,120 804 812 1,021 1,257 770 888 1,028 753
Total Market Share 87.51%
Footnotes:
(1) Market share figures are the individual Co's preferred, standard and non-standard programs written premium divided by the total direct written premium for all Colorado companies writing private passenger auto.
(2) Prior insurance and passive restraint discounts inclded in these rates. Senior adult discount applied to PIP rate for Driver D.
(3) $15 policy fee included.
(4) Passive Restraints and Anti-Lock Brakes discount included.
(5) Rates subject to $25,000 physical damage limit.
(6) Guaranty National Insurance Co has an additional program with a higher rate not listed. Check with your agent to see what program you qualify for.
(7) The Progressive companieshave two additional programs: Ultra Preferred and Middle Market.
(8) Viking Insurance Co of Wisconsin has an additional program with a higher rate not listed . All rates include a quarterly discount. Check with your agent to see which program you qualify for.
(9) Premiums effective 3/15/00, reflect CAN USP PortfolioSpecial Auto Segment Program.
(10) Program effective February 17, 2000
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