Car Insurance in Colorado
1. FAST 2. COMPARE 3. $AVE Fill out a quote form about you and your vehicles Instantly get free quotes from top car insurance companies Choose from the lowest rate policies and save hundreds
Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.
Colorado Car Insurance
In Colorado, car insurance is mandatory for all drivers. Auto insurance regulations are enforced by the Colorado Department of Regulatory Agencies, Division of Insurance.
Until 2003, Colorado was a “no-fault” state, but changed the law in order to help reduce the cost of insurance premiums and help prevent claims abuses.
Colorado car insurance now operates as a tort system, meaning that fault must be established before an insurance company will pay a claim.
Required Car Insurance
Colorado drivers must have liability insurance, which covers only the other car and/or driver when an accident is your fault.
Colorado drivers must have liability coverage at the following minimums:
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $15,000 per accident for property damage.
All other car insurance is optional.
Optional Car Insurance
Colorado auto insurance providers also offer a variety of optional coverage types:
- Collision coverage: Helps cover damages to your car caused by hitting other objects, including another car.
- Comprehensive coverage: Covers damages to your car caused by non-accident-related incidents or factors, such as theft, extreme weather, and wildlife.
- Medical payment (“med pay”) coverage: Must be offered as part of any Colorado car insurance policy.
- It covers at least $5,000 toward accidental injuries, regardless of fault.
- You can opt out of med-pay coverage or purchase higher coverage limits if offered by your car insurance company.
- Uninsured/underinsured motorist coverage: Helps cover expenses if you are involved in an accident with a driver who has no insurance or too little insurance.
- Rental car coverage.
- Loan/lease gap coverage.
- Roadside assistance/towing coverage.
NOTE: Finance and leasing vendors require you to have collision and comprehensive car insurance on any financed vehicle.
CO Car Insurance & Registration
The DMV will accept any of the following as proof of insurance:
- Insurance card.
- Copy of car insurance policy.
- Printout or fax of insurance policy.
- Image of auto insurance card on a cellular phone.
- E-mail from insurer.
NOTE: Failure to register your vehicle can lead to penalties or fines.
Violations of CO Car Insurance Laws
Colorado imposes various penalties for violations of insurance laws such as failure to provide proof of insurance during a stop or failure to purchase the minimum required insurance. Read below to learn about the specific penalties.
Failure to Hold Insurance
Failure to have minimum liability insurance results in the following penalties and fines:
- 4 points on your driver’s license.
- $500 minimum fine.
- License suspension.
- For the first offense, it will be suspended until you can show proof of insurance.
- For additional offenses, it will be suspended for up to 8 months.
- Up to 40 hours of community service.
Not only do you risk fines and penalties if you do not have minimum liability insurance, but you are also likely to have much higher rates when you re-apply for insurance after letting it lapse.
Always keep at least the required insurance minimums to ensure low-cost insurance rates long-term.
Failing to Carry Proof of Insurance
You must show proof of car insurance if you are stopped by a police officer or if you are involved in a traffic accident.
If you can’t show proof of insurance during a stop, the officer can check the Colorado car insurance database to see if you have valid insurance. However, even if you have insurance, you may still be issued a ticket for failing to carry proof.
You may be legally required to file an SR-22 form (also known as SR22 insurance) from your insurance provider if your license:
- Has been suspended (or is in danger of suspension).
- Has been revoked.
SR-22 requirements vary by type of offense and number of offenses and may be required for 3 months to 3 years.
An SR-22 is not insurance; rather, it is a certification filed by your insurance company stating that you will maintain the minimum liability insurance for a predetermined amount of time.
Failure to maintain your insurance policy with a current SR-22 will result in another suspension of your driver’s license. Essentially, the insurance company notifies the DMV that you are no longer keeping your SR-22 current and the DMV penalizes you.
If you decide that you want a new insurance provider, you have to get your new agent to file an SR-22 BEFORE canceling your current policy and SR-22.
Alternative Insurance for High-Risk Drivers
If you’ve had certain traffic violations, you may be deemed a “high-risk driver” by insurance companies. If you are having a hard time finding an insurance carrier because of this status, you do have options.
Colorado participates in the Western Association of Automobile Insurance Plans (WAAIP), which helps high-risk drivers find car insurance.
Under the Colorado Motor Vehicle Insurance Plan, high-risk drivers are insured by a specific company found through WAAIP, but the risk is shared among all insurance companies operating in CO.
To seek coverage through WAAIP, ask an insurance agent to help you apply.
Policies obtained through the WAAIP tend to have much higher rates, so it’s a good idea to shop around for car insurance quotes from multiple companies through the standard market before choosing this route.
Insurance fraud can be committed by anyone and can take many forms, including:
- False claims.
- Forged proof of insurance or other documents.
- Business performed by unlicensed insurance agents or brokers.
If you suspect an individual or business of auto insurance fraud, you can file a complaint with the National Association of Insurance Commissioners (NAIC), which will submit your report to your state agency through an online fraud reporting system.
Car insurance fraud costs insurance companies money and can lead to higher rates for all consumers, so it is important to report suspected fraud.
If you have a question about a car insurance policy, claim, or provider, you can contact the Colorado Division of Insurance:
- By phone at 303-894-7490.
- By e-mail to firstname.lastname@example.org.
- By completing the Online Request for Assistance.
The Division of Insurance can answer your questions about car insurance policies, consumer rights, and car insurance agents.
Determining Your Car Insurance Rate
Colorado auto insurance rates are based on several factors, including your credit report.
Car insurance companies can also use your:
- Driving history (up to 5 years).
- Age & gender.
- Marital status.
- Neighborhood or city’s safety.
- Car make and model.
Points on your driver’s license for traffic violations, including DUI and DWI violations, can raise your insurance rates.
Discounts on Colorado Car Insurance
Many CO car insurance companies offer discounts to drivers to help you save money on your rates.
Savings and availability may vary by agent and can include rate discounts for:
- Driver education or training.
- Good or safe driver history.
- Good student record.
- Vehicle safety.
- Multiple policies.
Since most Colorado auto insurance companies offer discounts for safe driving and driver education, the best way to get the cheapest car insurance rate is to follow the rules of the road and maintain at least the minimum required coverage at all times.Choose a State:
Find Auto Insurance in Colorado
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
Choose a County
- Clear Creek
- El Paso
Insurance Resource Center
- Kit Carson
- La Plata
- Las Animas
- Shop For Insurance Online
Auto Insurance Center
- Auto Insurance Policy Basics
- Buying Car Insurance Basics
- Buying Car Insurance For Teens
- Teen Guide To Car Insurance
- How To Get Car Insurance Coverage With A Learners Permit
- First Time Drivers Guide To Car Insurance
- How To Save Money On Teen Car Insurance
- Common Driving Mistakes Teens Make
- Safe Driving Tips For Teenage Drivers
- Safe Cars For Teen Drivers
- How To Add Teens To Your Auto Insurance Policy
- Insuring My Teen Driver: FAQs
- Tips for Car Insurance Policy Holders
- Buying Car Insurance For Seniors
- Senior Guide To Car Insurance
- Auto Insurance Coverages
- Extended Insurance Coverage Guide
- How To Get The Most Out Of Your Auto Insurance Coverage
- When To Buy Rental Car Insurance
- How To Cover Vandalism Through Car Insurance
- How To Cover Auto Theft Through Car Insurance
- How To Cover Windshield Repair Through Car Insurance
- How To Cover Accidents With Wildlife Through Car Insurance
- How To Cover Lost Wages Through Car Insurance
- How To Cover Medical Expenses Through Car Insurance
- How To Cover Pet Injuries Through Car Insurance
- How To Avoid Auto Insurance Non Renewal
- DUI Costs and Car Insurance
Commercial Auto Insurance
- Commercial Auto Insurance Requirements
- Commercial Auto Insurance State Requirements
- Federal Motor Carrier Insurance
- CDL Federal Requirements
- Commercial Insurance Filing
- State Commercial Insurance Filings
- Federal Truck Filings
- Intrastate Truck Filings
- Interstate Transportation Filings
- Certificate Of Insurance
- Uniform Carrier Registration Plan
- Types Of Commercial Auto Insurance
- Commercial Vehicle Insurance Discounts
- Multiple Policy Discount For Commercial Vehicles
- Paid In Full Commercial Vehicle Insurance Discount
- Commercial Business Experience Discount
- Commercial Auto Insurance Quotes
- Commercial Auto Insurance Articles
- Who Needs Commercial Auto Insurance
- Types Of Commercial Vehicles To Insure
- How To Save Money On Commercial Auto Insurance
- What You Need For A Commercial Insurance Quote
- Types Of Business Vehicle Insurance
- How To Compare Commercial Insurance Quotes
- How To Get The Most Out Of Your Commercial Auto Insurance Coverage
- Types Of Commercial Trailers To Insure
- Colorado Commercial Auto Insurance
- Motorcycle Insurance Minimum Requirements
- Types Of Motorcycle Coverage
- Accessory Coverage For Motorcycles
- Comprehensive Physical Damage Insurance For Motorcycles
- Collision Insurance For Motorcycles
- Bodily Injury Liability Insurance For Motorcycles
- Property Damage Liability Insurance For Motorcycles
- Medical Payments Insurance For Motorcycle Riders
- Personal Injury Protection Insurance For Motorcyclists
- Uninsured Motorist Coverage For Motorcyclists
- Underinsured Motorist Coverage For Motorcyclists
- Motorcycle Roadside Assistance
- Motorcycle Insurance Quotes
- Motorcycle Insurance Rates
- Motorcycle Insurance Discounts
- Motorcycle Insurance Articles
- Motocross Insurance
- Dirt Bike Insurance
- Moped Insurance
- Trike Insurance
- Scooter Insurance
- Colorado Motorcycle Insurance
Auto Insurance Policy Basics
- Auto Insurance Deductible
- Auto Insurance Limit
- Auto Insurance Premium
- Auto Insurance Quote
- Auto Insurance Rates
- Motor Vehicle Report
- Proof Of Financial Responsibility
- Auto Insurance Endorsement
- Auto Insurance Exclusion
- Auto Insurance Rating
- Auto Insurance Code
- Auto Insurance Discounts
- How To Obtain Proof Of Insurance
- How To Change Auto Insurance Providers
- Factors That Affect Insurance Rates
- How To Cancel An Auto Insurance Policy
- Six Common Car Insurance Myths
- Penalties For Driving Without Insurance
- No-Fault Insurance and Fault Insurance
- Car Insurance Quotes vs. Calculators
- Car Insurance FAQs
- Car Insurance Statute of Limitations
- Why Car Insurance Rates Go Up After Accidents
- When An Accident Happens
- Accident Loss
- Auto Accident Payment Recovery
- Total Loss
- Proof of Loss
- Actual Cash Value
- Lost Wages
- Salvage Vehicles
- How To File An Accident Report With The Police
- Evaluating Personal Injury In Auto Accidents
- First Steps Following A Personal Injury Auto Accident
- When To Seek Medical Attention For Personal Injury
- Protection Against Auto Insurance Fraud
- How To Handle Staged Car Accidents
- Types of Insurance Claims
- Bodily Injury Claims
- Property Damage Claims
- Windshield Claims
- Third Party Insurance Claims
- About Car Insurance Claims
- How Car Insurance Claims Affect Your Auto Insurance Policy
- When To Cover Personal Injury With Auto Insurance
- How Much Personal Injury Protection To Buy
- Supplementing Health Insurance With Personal Injury Protection
- Pain And Suffering In Personal Injury Claims
- Statute Of Limitations And Personal Injury
- Negligence And Determining Legal Liability
- Auto Insurance Claim Settlements
- Auto Insurance Settlements Involving Personal Injury
- Proving Fault In An Auto Accident Personal Injury Case
- Compensation For Auto Accident Personal Injury Claims
- Tips For Settling A Motor Vehicle Accident Claim
- Factors That Affect Compensation In Personal Injury Claims
- Legal Representation For Insurance Claims
- When To Hire A Personal Injury Attorney
- When To Hire A Lawyer
- Personal Injury Attorney Fees
- How To Choose Personal Injury Lawyers
- Benefits of Hiring A Personal Injury Attorney
- What To Submit To A Personal Injury Attorney
- Processing Car Insurance Claims
- How Car Insurance Companies Handle Claims
- How Car Insurance Companies Investigate Accident Claims
- How To Document Auto Accident Damage
- When To Report An Auto Accident To The DMV
- Tips On Documenting Personal Injury Expenses
- Paying Medical Bills Before Receiving Personal Injury Compensation
- Wage Loss In Personal Injury Auto Accident Cases
- How To File A Loss Of Wages Auto Claim
- Stages Of A Personal Injury Case
- Filing Car Insurance Claims
- Damaging Your Own Property and Car Insurance Coverage
- Fraud and Theft
- Old Cars: Popular Targets of Theft
- Car Insurance Fraud 101
- Car Theft Prevention
- Most Stolen Cars and Other Vehicles
- Cities With the Highest Car Theft Rates