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Colorado is a popular tourist area known for its outdoors, particularly ski slopes and scenery. Colorado residents are generally a healthy bunch, maintaining their active lifestyle even during the freezing winter months.

Colorado is rural in many areas, so you may need to drive from place to place. And when you do drive, you need to make sure you’re carrying car insurance with you at all times. Colorado car insurance coverage can be pricey, though, because the state has a few densely populated areas with a lot of accidents. 

This doesn’t mean you’re doomed to pay high prices for your car insurance. Cheap Insurance can help you get the best possible rate. If you want cheap car insurance in Colorado, it’s easy to get a free quote!

Quick Colorado Car Insurance Facts

  • Colorado has a minimum coverage requirement known as the 25/50/15 rule.
  • The average cost of minimum liability auto insurance in Colorado is $518 per year.
  • Full car insurance coverage in the state costs an average of $2,016 per year. 
  • Approximately 16.3% of drivers in Colorado are uninsured, which is higher than the national average
Car driving on mountain road in Colorado

Minimum Colorado Car Insurance Coverage

If you drive in Colorado, you need to carry at least the minimum car insurance coverage. The state’s General Assembly offers a guide to insurance requirements in Colorado. 

Colorado requires minimum insurance for bodily injury and property damage liability. Drivers are required to carry at least the following auto insurance coverages:

  • Property damage: $15,000 coverage for a single accident
  • Bodily injury/death: $25,000 per person, $50,000 per accident

Getting Cheap Car Insurance In Colorado

Car insurance in Colorado can be pricey. Follow these tips to get cheap car insurance in Colorado.

  1. Get a free quote: Use Cheap Insurance to enter information about your vehicle and get instant access to a quote. It only takes a few clicks.
  2. Drive safely: One of the best ways to save money is to be a good driver. By driving safely, you can avoid accidents and tickets, which can increase your rates. 
  3. Consider a hybrid or electric vehicle. Some car insurance providers offer discounts for vehicles with alternative fuel.

Colorado Car Insurance Discounts

If you’re looking for car insurance coverage in Colorado, you’ll want to get the best deal possible. Here are some discounts to consider:

  • Good Driver: Drivers with no accidents or tickets can save 10-30%.
  • Good Student: If you attend school and have at least a 3.0 GPA, you can save up to 20%.
  • Safety Features: Drivers of vehicles with airbags, alarms, anti-lock brakes, and other features can save up to 30%.
  • Insure more than one vehicle: Use the same car insurance provider for all your vehicles and save money.

FAQ

What is the average car insurance cost in Colorado?

The average cost for full car insurance coverage in Colorado is $2,016 per year.

How much is car insurance per month in Colorado?

The average cost for full car insurance coverage in Colorado is approximately $168 per month.

What is the penalty for driving without insurance in Colorado?

Driving without insurance in Colorado is a misdemeanor. Penalties may include up to one year in jail, up to $1,000 in fines, and up to 40 hours of community service.

What is driving like in Colorado?

Getting from place to place in Colorado involves a lot of mountain driving. Take it slow and watch out for wildlife. Stay in the right lane at all times unless you are passing. If you’re driving in the winter, be prepared for snow by carrying an emergency kit with you. 

How can I save money on my car insurance policy in Colorado?

Cheap car insurance in Colorado is possible if you follow these tips:

  • Opt for paperless billing: Receive online statements and pay your bill in full for the most savings. 
  • Check out group rates: Your employer, college, or other association you are affiliated with may offer cheaper rates for insurance. 
  • Track your driving: Some car insurance providers use telematics to track your driving habits. If you’re OK with this, it could save you some money.

Other Types of Coverage

If you’re driving in Colorado, make sure you are properly insured. Besides the minimum insurance, check out these car insurance coverages:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM):

If you are in an accident caused by an uninsured or underinsured motorist, this coverage pays for your damages.

Medical Payments Coverage:

If you are in an accident caused by an uninsured or underinsured motorist, this coverage pays for your damages.

Endorsements and Riders:

  • Towing and road service: This coverage offers roadside assistance and includes benefits such as towing and flat tires.
  • Rental car reimbursement: If you need a rental car because your vehicle was damaged in a crash, this coverage will provide reimbursement. 
  • Gap insurance: When your car loan balance and actual car value differ, gap insurance fills in the gap.

Cities We Cover In Colorado

Get a quote from Cheap Insurance and lower your insurance premium. Cheap car insurance is available in these Colorado cities:

Average Annual Premiums in Colorado = $1,322 | via Insure.com

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