Colorado car insurance
Before driving the mountainous highways and long, scenic roads of Colorado, make sure you have the right auto insurance coverage. When you're getting car insurance quotes in Colorado, check out all Progressive has to offer. Learn more about coverage options, minimum requirements in the Centennial State, and available discounts for reliable, affordable auto insurance in Colorado.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Colorado's minimum auto insurance requirements?
Drivers in Colorado are required to have auto liability coverage — bodily injury (BI) liability and property damage (PD) liability — at the following minimum car insurance limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 in bodily injury per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$15,000 per accident |
Colorado also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury coverage with the following limits, though you may reject or lower these coverages if you do not want them. You'll need to reject UM/UIM BI with a signed form.
| Coverage | What it covers | Minimum amount |
|---|---|---|
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 in bodily injury per person $50,000 per accident |
| UM/UIM property damage | What it coversDamage to your property an uninsured or underinsured driver causes | Minimum amount$15,000 per accident |
While these are Colorado's minimum required car insurance limits, more coverages and higher limits may better protect your family's financial well-being. Learn how much car insurance you may need based on your circumstances and preferences.
Is Colorado a no-fault state?
No. Colorado is an at-fault state, which means the party responsible for an accident must cover the other party's injuries. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Colorado?
Car insurance costs an average of $97.30 per month in Colorado, for a liability-only policy from Progressive.*
That said, your premium will depend on many car insurance cost factors unique to you like where you live, your driving history, the limits and coverages you choose, and the discounts you qualify for.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.
What is the best car insurance in Colorado?
Finding the best car insurance in Colorado means comparing equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Colorado get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
Looking for cheaper car insurance in Colorado? Be sure to compare rates from other insurers. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $775 on average††
- GEICO customers who switch and save with Progressive save $740 on average§
- State Farm customers who switch and save with Progressive save $565 on average‡
How do I lower my car insurance cost in Colorado?
To lower your car insurance cost in Colorado, you may qualify for the following discounts through Progressive:
- Multi-policy
- Three-year safe driving
- Multi-car
- Paperless
- Homeowner
- Good student
- Paid in full
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Colorado is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
In additional to Colorado's required coverages, most car leases and loans require you to carry comprehensive auto coverage and auto collision coverage. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged in a covered accident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after an accident you're responsible for.
Explore all our car insurance coverages and our car insurance calculator to find which coverages are recommended for you.
Colorado driving resources
From the Mile High city of Denver down to Durango, get to know Colorado's driving laws and resources. These resources apply to Colorado Springs, Aurora, Vail, and everywhere in between. Local municipalities may have additional laws and resources.
- Colorado Department of Motor Vehicles: Find out how to get or renew your Colorado license and registration.
- Colorado Traffic Rules and Guidelines: Review Colorado's traffic and parking regulations.
- Colorado driver's license FAQs: Learn about Colorado's identification and driving license requirements and testing processes.
- Car insurance resource center: Learn more about how car insurance works from terms and definitions to savings tips.
How to get car insurance in Colorado
Call a rep
Talk with a licensed representative who can guide you through the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
