Auto Insurance Comparison for All 50 States

For an Auto Insurance Comparison of all 50 states and Washington DC, visit the link shown below.

This page outlines the latest statistics pertaining to car insurance in the state of Colorado. Here's how to customize the cheapest auto insurance policy for your individual needs.


minimum liability coverage in colorado

For drivers in Colorado, state law requires a minimum auto insurance coverage of 25/50/15 per vehicle.

This means $25,000 in Personal Injury Protection for the driver, $50,000 to cover the cost of death or injury to others, and $15,000 against property damage.

In the state of Colorado, drivers must also purchase $5,000 in MedPay coverage, to ensure access to medical treatment in the event of an accident. 

Nonetheless, researchers at the Insurance Information Institute point out that state minimum payouts are not always enough to cover the actual cost of an accident.

This is why they recommend at least 100/300 coverage for each car owned in America.

penalties for uninsured drivers in colorado

Driving an uninsured vehicle in Colorado results in a $500 fine and four points on the driving record for a first offense.

Penalties escalate with each repeat violation. Fines can be as high as a thousand dollars, and are often accompanied by license suspension and community service. 

Still, estimates suggest that more than 13% of vehicles on Colorado roads are uninsured. 

colorado auto insurance comparison

The Average Annual Auto Insurance Premium in Colorado was $1,537 this year, higher than the overall national average premium, which was around $1,365. 

In general, car insurance premiums are affected by site-specific factors like local weather, topography, economy, percentage of uninsured vehicles on the road, population density, and crime statistics, to name only a few. 

Other factors influencing annual premiums are personal demographics like the age, gender, driving record, criminal record, lifestyle, and vehicle owned by the policy holder.

lowering the cost of colorado car insurance

Colorado car insurance carriers are known to offer various discounts to encourage good driving practices. For instance, 

  • The Accident-Free Discount is for drivers who avoid accidents for three years.
  • The Good Driver Discount is for avoiding moving violations for three years.
  • The Good Student Discount rewards high grades.

Other cost-cutting car insurance programs include the Multiple Auto Discount, the Multiple Policy discount, the Defensive Driving Course discount, the Passive Restraint discount, and the Vehicle Safety Discount, to name a few.

Ask your local car insurance agent for full details about discounts on car insurance in the state of Colorado. 

Grabbing every possible discount is the biggest way to lower the cost of Colorado car insurance. 

Getting an Auto Insurance Comparison in colorado

According to recent consumer reports, Colorado car owners generally prefer

  1. AIG
  2. Allstate
  3. Auto Owners Insurance
  4. Farmers Insurance
  5. Geico
  6. Liberty Mutual
  7. The Hartford
  8. State Farm
  9. 21st Century

in that order, although many Colorado drivers opt for smaller, regional carriers.

Colorado is home to countless car insurance companies, each of them offering locally competitive rates.

Just call several companies and get a few free online quotes.

Then call a few agents and specifically ask about their discount programs. 

After figuring in the discounts, simply compare quotes and choose the cheapest premium package that has what you need. There's no reason to pay more than you have to for car insurance. 

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