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 habits. 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.

Fast facts about driving and car insurance in Colorado

  1. 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.

  2. 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.

  3. 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


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