Colorado Auto Insurance
Whether you’re adventuring around Denver or driving to Steamboat Springs to ski, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every journey.
Take a few minutes to learn about cheap car insurance in Colorado. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Colorado car insurance solution. Get a free quote to see how much money you can save.
Colorado Car Insurance Laws
Do you have to have car insurance in Colorado?
Colorado law requires all drivers have proof of financial responsibility, which is most commonly satisfied with a car insurance policy. Colorado auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Colorado are 25/50/15, as shown below under Colorado Minimum Car Insurance Requirements.
Colorado Minimum Car Insurance Requirements
Wondering what your insurance policy needs to fulfill Colorado’s insurance requirements? Here’s a quick breakdown by coverage type.
|
Coverages |
Is It Required by Law? |
|
Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary). |
Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident. |
|
Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more. |
Yes. $15,000 property damage per accident. |
|
Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In Colorado, there is also uninsured motorist property damage (UMPD) that helps pay to repair or replace your vehicle. |
Not required but will be added unless rejected in writing. |
|
Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault. |
Not required. |
|
Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault. |
Not required.1 |
|
Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal. |
Not required.1 |
IMPORTANT NOTE: While purchasing liability coverage helps you satisfy state laws, it provides no protection for your own injuries or damage to your own vehicle. You would need to add additional coverage, like UM/UIM, comprehensive, and collision, to protect yourself and your vehicle more fully.
1Your lender may require these coverages if you lease or finance your vehicle.
Are there additional coverage options?
For added peace of mind, there are add-on services and other insurance products available to Colorado drivers:
Colorado Proof of Financial Responsibility and Penalties
What if I don't meet Colorado’s minimum car insurance requirements?
Colorado takes a strict stance on uninsured drivers. The penalties for driving without insurance vary depending on the nature of the violation. However, they can include steep fines, community service, license suspension, and potential jail time. Repeat offenses can lead to more severe penalties.
Penalties for Driving with a Suspended License in Colorado
Driving without a valid license can lead to serious penalties in Colorado. The infraction can lead to an increased license suspension, steep fines, and potential jail time. Therefore, if your license is ever suspended for any reason, it’s important to follow the steps to get it reinstated before getting behind the wheel.
SR-22 Insurance in Colorado
Some states require high-risk drivers to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. A driver could be required to file an SR-22 if:
- They have committed serious driving violations.
- They have failed to maintain proper liability coverage or have broken state insurance laws.
- They were convicted of a DUI/DWI.
If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.
High-Risk Auto Insurance in Colorado
Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.
We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.
Where can I find the cheapest car insurance rates in Colorado?
Car insurance costs vary depending on a number of factors, including:
- The amount & type of coverage you choose
- The year, make, and model of the vehicle you drive
- How much you drive, where you drive, and where you live
- Your demographics
- Your driving record
- Your credit history
Other Colorado Auto Insurance Resources
Find Cheap Car Insurance in Colorado with Direct Auto!
Looking for affordable auto coverage in Colorado? Get a free car insurance quote for a Direct Auto policy that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.
*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.
** The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc
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