More than 100,000 Colorado drivers will see lower premiums across six separate Allstate filings. The average savings is $81 a year.

Allstate is lowering auto insurance rates in Colorado, and if you’re one of the roughly 102,228 policyholders affected, your renewal bill should come in lower than it did last year. This Allstate Colorado rate reduction lowers premiums for most policyholders effective in 2026. Across six separate filings, the combined rate change works out to an average decrease of -2.84288%, which translates to about $81 less per year for the average driver.

The first changes started taking effect as early as October 18, 2025, with additional filing effective dates running through May 2026, so when exactly you see the savings depends on which Allstate company writes your policy and when your policy renews. The total reduction in written premium across all six filings comes to roughly $8.26 million, which means real dollars are coming back to Colorado drivers as a group. Allstate is one of the largest personal auto carriers in the country, so a multi-filing reduction like this is worth paying attention to, both for what it means for your own bill and for what it signals about where the Colorado auto market is heading.

If your rates have been climbing over the past two or three years, this is a meaningful shift in the other direction. That said, not every driver will see the same savings. The decrease is an average across a large book of business, and your actual renewal premium will depend on your specific policy, coverage level, and driver profile. The bottom line: your rates are going down, the savings kick in at your next renewal, and if you haven’t shopped your coverage lately, now is a good time to see whether Allstate’s new rates are still the best deal available to you in Colorado.

Average annual premium for affected drivers

Current average	$2,021
After rate change	$1,940
Annual increase	-$81 (-4.0%)

Source: ALSE-134861443.pdf, p. 6

Aggregated across 6 merged filings.

What’s Changing in the Allstate Colorado Rate Filing

This rate action is not a single filing, it’s six separate filings by different companies within the Allstate corporate family, all operating in Colorado, all moving at slightly different times and in different directions. The combined effect, though, is a net decrease across the book.

The primary filing, submitted by Allstate North American Insurance Company, anchors the group. That filing carries the overall rate direction and affects the largest share of the impacted policyholders. The combined average rate change across all six filings is -2.84288%, and the total written premium reduction across the group is -$8,264,590.

Here’s how the companion filings break down. Esurance Property and Casualty Insurance Company filed a -12.4% decrease affecting 5,610 policyholders, with a written premium change of -$1,767,077, effective May 28, 2026. Integon National Insurance Company filed a -4.1% decrease covering 13,944 policyholders and a -$673,439 premium change, effective October 18, 2025.

That same Integon National entity filed a second action, a -2% decrease affecting 18,695 policyholders with a -$391,063 premium change, effective May 2, 2026. A third Integon National filing brought a small +0.8% increase for 16,502 policyholders, adding $142,692 in written premium, effective March 28, 2026. And Integon Indemnity Corporation filed a +7.06% increase affecting 8,100 policyholders, adding $799,551 in written premium, also effective March 28, 2026.

So while the headline number is a decrease, the picture is mixed. The two Integon filings with increases affect a smaller share of the book than the decreases do. For most Colorado drivers in the Allstate family, the net result is a lower renewal premium. But if your policy is written through Integon Indemnity or through the small Integon National book that got the 0.8% bump, your renewal could actually tick up a bit.

The earliest effective date across the group was October 18, 2025. If your renewal already hit after that date and you haven’t seen your new premium yet, check your renewal notice carefully, the change may already be priced in.

What This Means for You

The average Colorado driver in the Allstate book will pay about $1,940 per year after the rate change, down from about $2,021 before it. That’s a difference of roughly $81 a year, or just under $7 a month. It won’t change your life, but it’s a genuine reduction, and it comes at a time when Colorado drivers have absorbed several years of rising auto insurance costs.

Your actual savings will depend on a few things. First, which Allstate company writes your policy. The biggest cuts are coming through Esurance (-12.4%) and the larger Integon National filing (-4.1%).

If your policy sits in one of those books, your savings could be significantly larger than the $81 average. A driver paying $2,021 today who gets the full -12.4% Esurance cut would save around $251 per year. A driver in the -4.1% Integon National book would save closer to $83.

Second, your coverage level matters. Drivers carrying full coverage, meaning both collision and comprehensive on top of liability, pay more in total premium, so a percentage cut translates to a larger dollar reduction. A liability-only driver paying $900 a year saves about $26 at a 2.84% cut.

A full-coverage driver paying $2,500 saves about $71 at the same percentage. The higher your current premium, the more dollars come back to you.

Third, your driver profile can affect where your policy lands within the rate structure. Drivers with a clean record over the past three years often sit in a preferred tier, where base rates are lower and discounts stack more effectively. Drivers with a recent at-fault accident or a violation may see a smaller net benefit because surcharges can offset part of the rate decrease.

The 102,228 policyholders affected represent a large share of Allstate’s Colorado book. If you’re an Allstate customer in the state, there’s a good chance this change applies to you. Check your renewal notice when it arrives, look at the new premium line, and compare it to what you paid last term. That comparison is the fastest way to confirm whether you’re getting the decrease or landing in one of the smaller books that saw a small increase.

How Allstate Compares

Allstate is one of the three largest personal auto insurers in the United States, sitting alongside State Farm and Progressive in terms of national market share. In Colorado, the competitive auto market has been under pressure for several years, driven by higher repair costs, more severe weather events, and elevated medical costs after accidents. Many carriers responded by filing substantial rate increases through 2022, 2023, and into 2024.

A multi-filing rate decrease of this size signals that Allstate believes its Colorado book is now adequately priced, at least for the risk profile it’s currently insuring. Carriers don’t cut rates when they’re losing money on a book. A decrease usually means loss ratios have improved, claims costs have stabilized, or the carrier is trying to retain and grow its customer base after a period of aggressive increases. For consumers, all three of those scenarios are good news.

State Farm has also been active in the Colorado market with its own rate adjustments over the past 18 months. Progressive, which has a strong presence in Colorado particularly among higher-risk drivers, has filed a mix of increases and decreases depending on coverage line and driver segment. GEICO has similarly been adjusting its Colorado rates as it works to stabilize profitability after a difficult underwriting period nationally.

What this means for you as a shopper: Allstate’s cuts make it more competitive than it was 12 months ago, but the broader market is also shifting. If you haven’t compared quotes in the last year, the competitive landscape has changed enough that a fresh set of quotes is worth your time. A carrier that was $200 more expensive than Allstate last year may now be at parity or cheaper, depending on how their own filings have moved.

One more thing worth noting: the Esurance-branded portion of the Allstate family is seeing a significant -12.4% reduction. Esurance operates as a direct-to-consumer brand within the Allstate group. If you’re currently shopping online and getting quotes from multiple direct carriers, Esurance’s new rate level is meaningfully lower than it was, and that brand competes in a similar space to GEICO and Progressive’s direct channels. It’s worth including in any comparison you run.

How to Save on Insurance

If you renew with Allstate after your filing’s effective date, your premium should already reflect the new lower rate, you don’t have to do anything to get the decrease. But there are three specific moves worth making right now.

1. Shop before your next renewal anyway. Allstate’s cuts make it more competitive, but a -2.84288% average is not a guarantee that Allstate is the cheapest option for your specific profile. Get at least two comparison quotes from Progressive and State Farm before you renew. The market has shifted, and you won’t know where Allstate lands relative to competitors until you compare.
2. Check which Allstate entity writes your policy. If you’re in the Esurance book, you’re looking at a -12.4% cut, which is substantial. If you’re in the Integon Indemnity book, you’re actually looking at a +7.06% increase. Your declarations page lists the legal writing company. Match that name against the filing breakdown in this article to know which direction your rate is going.
3. Ask about telematics. Allstate’s Drivewise program tracks your driving habits and can return additional discounts on top of the filed rate. If you’re a low-mileage driver or you have a clean driving record, telematics discounts can add meaningful savings beyond what the rate filing itself delivers.

For more background on shopping auto insurance in Colorado, see the IRG guide to comparing car insurance quotes. Allstate’s full carrier review is also available on IRG with more detail on the brand’s pricing history and customer service record.

Sources

• Colorado Division of Insurance

• Allstate North American Insurance Company, ALSE-134861443, (ALSE-134861443.pdf)
• Esurance Property and Casualty Insurance Company, ALSE-134890496, (companion), (ALSE-134890496.pdf)
• Integon National Insurance Company, GMMX-134641846, (companion), (GMMX-134641846.pdf)
• Integon Indemnity Corporation, GMMX-134791748, (companion), (GMMX-134791748.pdf)
• Integon National Insurance Company, GMMX-134857802, (companion), (GMMX-134857802.pdf)
• Integon National Insurance Company, GMMX-134791750, (companion), (GMMX-134791750.pdf)