Colorado Car Insurance

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Key takeaways...
  • Colorado car insurance requirements are set by the Colorado Division of Insurance and all Colorado vehicle owners must have liability insurance
  • As of 2009 Colorado State also requires drivers to have at least $5,000 in medical payments coverage
  • When you compare different insurance providers, make sure to check out available discounts also

Colorado car insurance requirements are set by the Colorado Division of Insurance and all Colorado vehicle owners must have liability insurance.

In 2009, a state law was passed where all drivers must also have medical payment coverage but it is possible to opt out of this under certain circumstances.

As with most states, Colorado minimum car insurance requirements are just enough to cover a minor accident but really do not represent financial security in the event of any kind of medium or major car accident.

Want to shop Colorado car insurance companies? Enter your ZIP code above to get free Colorado car insurance quotes today.

What are the Colorado minimum car insurance requirements?

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Colorado State law requires all drivers to have auto insurance in-force with minimum liability coverage of 25/50/15. These numbers represent:

  • $25,000 bodily injury insurance per person
  • $50,000 bodily injury insurance per accident
  • $15,000 property damage insurance per accident

Overall these limits are very low since even a couple days in an emergency room can set you back $20,000 or more.

What most drivers do not realize is if there are expenses above and beyond your policy limits you can and most likely will be held personally liable for these expenses.

As of 2009 Colorado State also requires drivers to have at least $5,000 in medical payments coverage. Although the state has provided an option for consumers to opt out of this additional coverage in writing most Colorado drivers today have medical payments coverage.

The purpose of medical payments coverage is to provide insurance for the first medical expenses of an accident up to the policy coverage amount. These costs would include first responder and ER costs etc and are not based on fault.

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Who are the best Colorado car insurance companies?

Most of the nations top car insurance companies offer coverage in Colorado so drivers have a very healthy and competitive auto insurance industry to choose a provider.

Companies such as Allstate, GEICO, and Progressive along with over 100 other auto insurance companies can provide coverage.

The first step is to educate yourself about car insurance, learn about discounts and make sure to compare quotes based on all details of the proposed policies, not just the premiums.

It’s impossible to say who is the best car insurance company since everyone has a different risk profile but what you can hope for is a competitive market and Colorado car insurance companies do aggressively compete for your business.

Colorado Car Insurance Rates

The only way to get Colorado car insurance rates is by requesting a quote. While some websites provide a range of what most consumers pay based on:

  • Vehicle make and model
  • Age
  • Gender
  • Additional factors like marital status, credit score, ZIP code, etc

Car insurance comparison between auto insurance providers will be your best way to find rates for your unique profile.

Are car insurance discounts available in Colorado?

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Of course. No matter where you live its possible to take advantage of some car insurance discounts. What really matters is what car insurance company you choose as discounts can often vary depending on the provider.

Some popular Colorado car insurance discounts include:

  • Good Driver discounts
  • Multi-Vehicle discounts
  • Hybrid Car Discounts
  • Low Mileage Discounts

You can learn more about car insurance discounts here and always make sure to ask any potential provider about these discounts as they are not always offered.

Ready to start Colorado car insurance quote comparison? Simply enter your ZIP code here to get free CO auto insurance quotes today!

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