What are Colorado's minimum car insurance requirements?
Colorado drivers are required to have liability coverage limits of at least:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $15,000 in property damage per accident
If you want additional protection beyond Colorado's minimum insurance requirements, consider increasing your auto liability insurance limits to better protect your assets.
Cover your vehicle with comprehensive and collision coverage
If you're leasing or financing your vehicle, most lenders mandate physical damage coverages. If you own your vehicle outright, comprehensive and collision coverage can still be vital in protecting your vehicle against damage, vandalism, and theft.
The Progressive Snapshot® discount program personalizes your rate based on your driving habits. The safer you drive, the more you could save. See more on our Snapshot program.
How much is car insurance in Colorado?
In 2020-2021, the average car insurance cost in Colorado was $89 per month* for a liability-only auto policy (single driver/single car) from Progressive. Rates vary based on factors like your driving history, ZIP code, and coverage selections.
Are there any discounts available to drive down the cost of my car insurance?
To help you get cheaper car insurance in Colorado, Progressive offers an array of discounts, including:
- Paid in full
- Three-year safe driving
- Teen driver
With Progressive, you can get even greater protection and extra savings by bundling home and auto insurance in Colorado. By bundling other policies — such as renters, motorcycle, and RV — you can also earn multi-policy discount savings.
See all auto insurance discounts.
Fast facts about driving and car insurance in Colorado
Comprehensive coverage can also pay for damage to your automobile caused by hailstorms. You could reduce the cost of comprehensive coverage by increasing your car insurance deductible.
Red light cameras are common in Colorado. The maximum penalty for a violation captured by a red light camera is $75.