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Colorado drivers pay slightly less than most other drivers around the nation. But every region and car owner has different car insurance requirements, so keep this in mind when comparing these averages.
On average, Americans pay $1,474 per year for their auto insurance. In Colorado, car owners pay on average of about $1,558 per year. To ensure you're getting the best rate, compare various quotes from numerous car insurance companies with a Trusted Choice insurance agent.
Driving on Colorado roads can be dangerous: Congested traffic in Denver and mountain snow can cause accidents. If you find yourself in anything from a simple fender bender to a bigger T-bone, here's what your car insurance will do for you:
If you drive, you're required by the state to have a certain amount of insurance. These necessary coverages will pay for someone else's vehicle damage and medical bills after an accident with you. Be prepared and protected when you're on the road to prevent any financial harm after something unexpected.
The driver who caused the accident will pay for losses.
Sometimes people drive without any insurance, but it's impossible to tell who is and isn't covered when you're behind the wheel.
That's why uninsured motorist coverage exists. If an uninsured or underinsured driver causes damage to you or your vehicle, this insurance coverage will pay to fix your car and handle your medical bills.
Typically, your insurance company will attempt to collect compensation from the offending driver. This may or may not be successful, which is why you need this protection as a backup.
Colorado does not require you to have uninsured motorist coverage.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
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