Colorado Auto Insurance

Colorado car insurance is a little tricky. But that makes it all the more important to pay close attention to your policy details.

This guide:

  • Explains Colorado auto insurance laws and requirements

  • Describes how Colorado car insurance rates are set

  • Shows you how to save money with multiple quotes

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A look at Colorado's insurance regulations

Colorado is considered a tort state, which means that as a resident you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these costs, and is a required coverage in Colorado.

The state's liability minimums are 25/50/15. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $15,000 for damage you cause to the other party's property.)

Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect. Colorado auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and underinsured motorists bodily injury coverage.

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Colorado residents may be able to save on policy premiums from Electric Insurance. Their policies are available only to better drivers, whose credit and driving records are at least "good".

After you visit ComparisonMarket, get a quote from Electric to see if you qualify.

How your car insurance premiums are set

For better or for worse, the price of Colorado auto insurance is decided by the behavior of the state's drivers as a whole. Insurance companies take the cost of providing coverage for Colorado drivers (this includes settlements and legal fees) and divide it up among all drivers.

But these costs aren't spread around evenly. Instead, the percentage that you pay, is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all insurance companies compute their figures in the same manner. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an auto insurance policy.

Where to get Colorado auto insurance quotes

The following web sites will help you compare car insurance quotes: (these links will open in a new window)


  • ComparisonMarket is the easiest and most accurate quotes comparison service

Click here for your quote.

Others:

• Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

  • Electric Insurance a discount insurance provider for good drivers

  • Netquote is very helpful if you want a local agent to contact you, to help you tailor your policy to local conditions and requirements.

  • Geico - Great for those who can't find other insurance. Be sure to complete the entire quote form!

  • Get quotes using your ZIP Code! you'll find insurers who offer quotes tailored specifically to your area:

More CO car insurance advice and help

If you want more help designing a good auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice, as well as guidelines that will help you understand how your coverage protects you.

To learn more about CO auto insurance laws and regulations, visit the official website of the Colorado Department of Regulatory Agencies, Insurance Division.

Free Auto Insurance Course!

Learn how to save the most money on your next policy with our free insurance course. Learn how to set the right coverage levels, what options to avoid, and the general philosophy of insurance, that will keep you saving for years to come. Sign up here: