Key takeaways
- This is a curated list of auto writers that show up in Colorado crash claims — not the Division's full licensed-company roster.
- The name on the check or declarations page is often a paper company (Mid-Century, Garrison, Permanent General, Standard Fire), not the brand on the billboard.
- A Division complaint is a separate door from a lawyer. We do not file that complaint for you.
- If the claim is stuck and a named carrier has the file, ask for a free case review.
Sort the job into the right bucket
People search carrier names after a wreck for different reasons. Some need the claim process. Some need UIM. Some need the car valued. This page only answers: which licensed auto writer is on the file, and which lookalike names are not that writer.
| What you have | This page? | Where to go |
|---|---|---|
| Named auto carrier on the claim | Yes — the tables below | This hub, then a free review if it is stuck |
| How a Colorado injury claim works | No | Colorado injury claim process |
| Not enough coverage / UIM | No | Colorado UIM guide |
| Fault share | No | Comparative negligence in Colorado |
| Car value, total loss, or diminished value | No | Insurance offer too low for car damage |
| Want to buy a policy | No — we do not sell insurance | The carrier or an independent agent |
How to read the Division list versus this page
The Colorado Division of Insurance licenses life, health, surety, marine, crop, title, and hundreds of specialty writers. A Colorado crash claimant does not need that roster. The Division list answers who exists. This page answers which auto writers actually appear after a wreck — State Farm, GEICO, Progressive, the nonstandard names people search (Loya, The General), and the regional writers licensed here.
Colorado requires auto liability at 25/50/15. What that floor covers, and what it does not, lives on our auto insurance requirements guide. Hire help for a Denver crash lives on our Denver car accident lawyer page. This hub does not retarget those jobs.
Curated Colorado auto writers
One consumer name per brand. Subsidiaries stay on the paper column, not as their own URLs. Each carrier page carries the full licensed-entity row (NAIC, legal name, registered agent, address, lines, Colorado effective date) from the Division's list.
| Brand | Paper you may see on a check | Status |
|---|---|---|
| State Farm | State Farm Mutual Automobile Insurance Company (25178); State Farm Fire and Casualty Company (25143); State Farm Classic Insurance Company (17133) | Live |
| GEICO | Government Employees Insurance Company (22063); GEICO Casualty Company (41491) | Live |
| Progressive | Progressive Mountain Insurance Company (35190); Progressive Direct Insurance Company (16322) | Live |
| Allstate | Allstate Insurance Company (19232) | Live |
| USAA | United Services Automobile Association (25941); Garrison Property and Casualty Insurance Company (21253) | Live |
| American Family | American Family Mutual Insurance Company, S.I. (19275) | Live |
| Farmers | Farmers Insurance Exchange (21652); Mid-Century Insurance Company (21687) | Live |
| Liberty Mutual | Liberty Mutual Insurance Company (23043) | Live |
| Travelers | Travelers Personal Insurance Company (38130); The Standard Fire Insurance Company (19070) | Live |
| Nationwide | Nationwide Mutual Insurance Company (23787) | Live |
| The General | Permanent General Assurance Corporation (37648); Permanent General Assurance Corporation of Ohio (22906); The General Automobile Insurance Company, Inc. (13703) | Live |
| Loya | Loya Insurance Company (11198) | Live |
| Safeco | Safeco Insurance Company of America (24740) | Live |
| Auto-Owners | Auto-Owners Insurance Company (18988) | Live |
| American National | American National Property & Casualty Company (28401) | Live |
| CSAA / AAA | CSAA General Insurance Company (37770) | Live |
| Amica | Amica Mutual Insurance Company (19976) | Live |
| Colorado Farm Bureau | Colorado Farm Bureau Insurance Company (13641) | Live |
| Shelter | Shelter Mutual Insurance Company (23388) | Live |
| Kemper | Infinity Insurance Company (22268) | Live |
Same name, different company
Search and declarations pages mix brand names with unrelated licenses. Farmers Mutual Hail is crop hail, not Farmers Insurance Exchange. Loyal American Life is not Loya. National Fire of Hartford is usually CNA paper, not The Hartford. Mid-Century, Garrison, and Standard Fire go the other way: they look like strangers and are still Farmers, USAA, and Travelers paper.
Those lookalikes do not get their own URLs. They sit on the parent brand's carrier page.
| Name on paper / search | NAIC | Not | Parent brand |
|---|---|---|---|
| Farmers Mutual Hail of Iowa | 13897 | Farmers Insurance Group (crop hail) | Farmers |
| Farmers Alliance Mutual | 19194 | Farmers Insurance Group | Farmers |
| National Farmers Union P&C | 16217 | Farmers Insurance Group | Farmers |
| Ohio Farmers | 24104 | Farmers Insurance Group (Westfield) | Farmers |
| Loyal American Life | 65722 | Loya Insurance Company 11198 | Loya |
| Loyal Christian Benefit Association | 56758 | Loya Insurance Company 11198 | Loya |
| National Fire Insurance Company of Hartford | 20478 | Hartford Group (usually CNA paper) | Hartford |
| GEICO Marine | 37923 | GEICO auto writers | GEICO |
| Mid-Century Insurance Company | 21687 | a miss — this is Farmers paper | Farmers |
| Garrison Property and Casualty | 21253 | a miss — this is USAA paper | USAA |
| The Standard Fire Insurance Company | 19070 | a miss — this is Travelers personal paper | Travelers |
Registered agent is not the claims office
Colorado's licensed-company list prints a registered agent for service of process. For a large share of out-of-state writers that is Corporation Service Company at 1900 W Littleton, or CT Corporation at 7700 E Arapahoe in Centennial. Hundreds of unrelated companies share those addresses. Do not call that office to report a crash. It is where a summons gets served, not where an adjuster sits.
License verify and a Division complaint
Confirm a company is licensed in Colorado through the Sircon consumer inquiry. If you need the Division itself, start on the file-a-complaint landing page. Consumer Services: 303-894-7490 / 800-930-3745 (outside the Denver metro), Monday through Friday, 8:00 a.m. to 5:00 p.m. Email DORA_Insurance@state.co.us. We are not the Division and we do not file the complaint for you.
When a lawyer is the next step — and when it is not
A shop supplement, a short rental bill, or a Division paperwork question often does not need counsel. Quote shopping never does — we do not sell policies. A stuck injury claim, a coverage dispute on your own UM/UIM, or a named carrier claim that has stalled after you have sent the records is the job we actually take. If it is only the car, start with the car-damage offer page above rather than this index.
Bad-faith and delay questions belong on the Colorado insurance bad faith explainer, not as a ranking of carriers.
Colorado auto insurance questions after a crash
These are the questions people bring to the Division of Insurance after a wreck. The answers track the Division's own auto insurance FAQ and coverage terms. They are general information, not advice on your policy — the policy language controls.
What auto insurance does Colorado require?
Liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage to another. It pays the other person when you are at fault. It does not pay your own injuries or your own car.
Is UM/UIM coverage required in Colorado?
No. It is optional, but it is included in your policy unless you reject it in writing, and insurers must offer it in an amount equal to your bodily injury liability limits. It pays your bodily injury losses caused by a hit-and-run driver, an uninsured driver, or an underinsured driver. The Division estimates 15-20% of drivers are uninsured.
Does MedPay pay before my health insurance?
Yes. Medical payments coverage of $5,000 is included unless you reject it, pays reasonable health care expenses for you and your passengers regardless of fault, pays before your health insurance, and applies toward health insurance coinsurance or deductibles.
Can the Division of Insurance tell me who insures the other driver?
No. The Division does not maintain a database of which company insures a specific person or business. You need to request it directly from the driver or business.
Will the Division negotiate my settlement or decide my claim?
No. The Division does not determine coverage owed or make liability decisions. On a complaint it can review whether the company considered available information, investigated reasonably, and followed Colorado insurance law.
How long does an insurer have to answer my calls or letters?
The Division says Colorado insurance law sets no fixed response timeframe, but the Division can address unreasonable delays directly with the company.
Can the insurer make me use its repair shop?
No. Under section 10-4-120, C.R.S., you may choose your own repair shop. The company may point you to preferred shops and guarantee their work, and it pays reasonable market costs rather than excessive charges.
Does Colorado insurance law require payment for diminished value?
The Division says no Colorado insurance statute addresses diminished value, though case law may. That is a car-value question, not an injury question.
Can the Division recommend an insurance company?
No. The Division cannot endorse or recommend a company. It points consumers to its complaint ratio and premium comparison tools.
Going deeper on one of these: no insurance on the other side is the uninsured motorist guide. A rideshare driver hit you or you were riding in one, see Uber and Lyft insurance coverage in Colorado. The deadline to sue is on the Colorado statute of limitations page. How often crashes happen here is on Colorado car accident statistics.
Also in this index
Hartford, National General, Dairyland, COUNTRY Financial, Sentry, Bristol West, Root, and Great West Casualty now have spokes. Bristol West is Farmers nonstandard. Root is on the Division's 2026-09-01 active RA list. Great West is commercial truck.
Stuck on a named carrier's claim after a crash? Free case review.
Sources
Licensed-company fields (NAIC, legal name, registered agent, street, city/ZIP, lines, Colorado effective date) are copied from the Division's monthly registered-agent list dated 2026-09-01. Public license verify is Sircon. Consumer complaint path is doi.colorado.gov. Coverage minimums, UM/UIM, MedPay, and the FAQ answers above come from the Division's auto insurance page and Colorado Legislative Council Staff summaries of mandatory and optional auto coverage, checked October 2026. We do not publish market-share percentages until we fetch the Division's Combined Private Passenger Auto table ourselves.