Colorado Car Insurance FAQ - Quick Answers

The average cost of Colorado car insurance is $1,245 per year, which is less than the national figure of $1,311 annually. To get the best pricing on Colorado auto coverage, consult with a trained professional for free.

In Colorado, auto insurance can help cover different losses that could occur. Take a look at basic limits of protection on most policies:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

Colorado follows the at-fault law when it comes to your car insurance. So, when you're responsible for causing an accident, then you'll be the one in charge of footing the bill. The minimum limits of liability that are mandated by the state of Colorado are $25,000 per person/ $50,000 per accident/ $15,000 property damage.

Even though car coverage is mandatory in Colorado, that doesn't mean everybody plays by the rules. In fact, Colorado has 13.3% of its road warriors uninsured, which is just above the national average of 13.0%. To have proper protection, you'll need to add uninsured/underinsured motorist coverage to your auto policy.

The best Colorado car insurance can be found through superior carriers. Some of the top-rated carriers in Colorado are Nationwide, State Auto, and Travelers insurance companies. These markets are highly recommended for their exceptional claims service and broad coverage selection.

In Colorado, you're required to carry the following minimum limits of liability under your auto insurance policy:

  • $25,000 per person of bodily injury liability
  • $50,000 per accident of bodily injury liability 
  • $15,000 in property damage liability

These limits can be increased to your liking and additional coverages can be added for more robust protection.

Do You Know What Your Colorado Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

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

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Castle Rock29.80.89$1,066
Colorado Springs22.76.4$1,355
Commerce City30.36.2$1,101
Fort Collins20.51.3$968
Grand Junction16.42.4$1,007
Wheat Ridge25.27.0$1,691