Save up to $400 on
Colorado car insurance

Colorado Auto Insurance

Compare Auto Insurance in Colorado

Colorado Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $15,000 property damage
  • Click here for more auto insurance minimums in Colorado.

Colorado DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Driving while ability impaired (DWAI) offenses are assessed for BAC 0.05% and 0.07%.
  • Click here for more DUI laws in Colorado.

Colorado SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 rider is necessary for license reinstatement.
  • Click here for all SR-22 requirements in Colorado.

Colorado Hands-Free Laws

  • Colorado House Bill 1094 prohibits persons under the age of 18 from using a cell phone while driving.
  • Click here for Hands-Free laws in Colorado.

Colorado Teen Auto Insurance

  • Colorado teen drivers under 18 must apply for a permit and must be at least 16 years old before they can take a driving test.
  • Click here to learn all you need to know about Colorado teen driver laws
Previously, Colorado was a no-fault state regarding auto insurance. But since July of 2003, it has used the tort system. This means that under the current system, the person held responsible in an auto accident is liable for all costs resulting from the accident. This includes all injuries and damages.

By law, all Colorado motorists must purchase and maintain liability coverage. This coverage is applicable when you are held responsible for an auto accident which results in injury to a person or persons. It provides funds for accident-related medical expenses, pain and suffering, and lost wages. The following are the minimum amounts required by the State of Colorado:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $15,000 total for property damage, per accident

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Uninsured/Underinsured Motorist Coverage, Collision Coverage, and Comprehensive Coverage.

For any other concerns or questions, please contact:

Colorado Division of Insurance
1560 Broadway
Suite 850
Denver, CO 80202
(303) 894-7499
(800) 930-3745 toll-free outside of Denver
(303) 894-7490 Consumer Information

Colorado Car Insurance Agents


If you are a resident of Colorado and are searching for a highly trained auto insurance agent to assist you in putting together a comprehensive yet affordable policy, look no further!

Auto insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are able to compare prices from different insurance companies and find the best combination of coverage and cost.

A good agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to help you throughout the entire claim process. You should also expect your agent to make sure that your policy is up-to-date and that you maintain coverage which is appropriate for your personal situation.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get the best Colorado Auto Insurance policy available that meets both your needs and budget.

Tips to saving money on your insurance premiums


  • Drive carefully. A clean driving record can add up to big savings when buying insurance.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

Many in the state of Colorado cite car insurance as one of their top expenses each month. There is a persistent need for the people to acquire discounted and competitive auto insurance. The natural approach is to search online - but how does one know where to look, let alone how to determine precisely what they need? The best site to find low auto insurance rates is CarInsurance.info. We provide an intuitive interface where users can compare the most affordable Colorado auto insurance rates in their area.

Search By City

Arvada Aurora Centennial Colorado Springs Denver
Fort Collins Lakewood Pueblo Thornton Westminster
Bailey Bennett Berthoud Boulder Brighton
Broomfield Canon City Castle Rock Conifer Cortez
Englewood Erie Evans Evergreen Golden
Grand Junction Greeley Highlands Ranch Lafayette Larkspur
Littleton Longmont Louisville Loveland Montrose
Monument Pagosa Springs Parker Telluride Wheat Ridge
Windsor Woodland Park