Colorado Auto Insurance

What are the minimum Colorado 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 extra auto liability protection beyond the minimum required insurance coverage, consider increasing your 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 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 record. The safer you drive, the more you could save. See more on our Snapshot program.

How much do I have to pay for car insurance in Colorado?

In 2020, Coloradans paid an average of $151 per month^* for a liability-only auto policy 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 auto insurance in Colorado, Progressive offers an array of discounts, including:

Multi-policy
Multi-car
Homeowner
Paid in full
Smart technology
Three-year safe driving
Paperless
Teen driver

See all auto insurance discounts.

Pro Tip:

Time for a change? Drivers nationwide who switch and save with Progressive save over $700 on average.^** Get a car insurance quote today.

Fast facts about driving and car insurance in Colorado

In 2018, Colorado ranked 6th for most reported car thefts in the country. If you carry comprehensive coverage, your policy can help cover the cost to replace your stolen vehicle.
Comprehensive coverage can also pay for damage to your automobile caused by hailstorms. You can reduce the cost of comprehensive coverage by increasing your deductible.
Red light cameras are common in Colorado. The maximum violation if you’re caught running a red light on camera is $75.

How to get car insurance in Colorado

Online

We’ll ask easy questions and you choose the coverages.

Get a car insurance quote

Call a rep

A licensed representative will help you every step of the way.

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Colorado

Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

Colorado car insurance