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Colorado requires car insurance coverage as long as the vehicle is registered in the state.
Use the search form in CarInsuranceQuote.com to get information and compare several insurance quotes before you make your choice.

There are two ways to get insurance in CO

  • Purchasing a liability coverage
  • Obtaining a self-insured certificate if you own more than 25 vehicles

Buying a liability auto insurance policy is the best option for most of the drivers in Colorado for driving a private passenger vehicle.
The minimum liability auto insurance policy required in Colorado is:

  • $25,000―per person for bodily injury
  • $50,000―per accident for bodily injury
  • $15,000―per accident for property damage

Every licensed land vehicle in Colorado needs to carry a minimum insurance coverage.

In Colorado, car insurance coverage is not required for:

  • Go-karts
  • Snowmobiles
  • Boats
  • Private plane
  • All-terrain vehicles.

However, you are not restricted to the minimum liability coverage. Request several car insurance quotes, then compare the options available for your particular situation and vehicle.
Since January 2009, the state of Colorado requires car owners to buy a coverage that pays up to $5,000 for medical expenses in case of an accident. For this extra coverage, you may expect a slight rise in your premiums. However, you can avoid this coverage; all you have to do is to submit a letter to your policy provider

Why do you need to compare quotes?

In the state of Colorado, car insurance quotes depend on many factors. You might be eligible for a heavy discount from some companies. To find out the details, request a quote and receive the details to help you in an informed decision making.

Prices depend on the following factors:

  • Age – As you grow in years you pay less for your vehicle coverage.
  • car Theft – residing in an area which has earned reputation to be infested by auto thieves, you might expect to pay a higher premium for your policy.
  • Credit History – It you are at default or have problems in your credit history, beware that your policy provider may judge you on this and require a higher car insurance premium.
  • Driving History – A good driving record may help you get a discount on your premium.
  • Location – If you are located in an area with reputation for vandalism, fire or earthquakes you may require to pay more.
  • Used vs. new vehicles – New vehicles are prone to car theft, cost more for replacement or repair hence are costlier to cover.

You may get discount on car insurance quotes if you

  • Have a clean driving record
  • Are a senior citizen.
  • Have installed car safety gadgets in your car.
  • Have a good academic record (for teen drivers).
  • Have completed a driver’s refresher course with success.

Coverage offered in the State.

  • Bodily Injury Liability – it pays for the loss of the victim when you or your car caused the accident.
  • Collision Coverage – Compensates for damages on your car due to a collision.
  • Comprehensive Coverage – Offers coverage for losses due to vandalism, theft, fire, earthquake. That is anything else other than collision.
  • Fire and Theft Coverage – this is a supplement to the comprehensive coverage, particularly against theft and fire.
  • Gap Insurance – it insures your car loans. It is a financial bridge between the cost of your car and the amount of loan due.
  • Liability Coverage – repays for the property damage or physical injuries to the victim in an accident when you are at fault. It will not pay for your injuries.
  • Pay-Per-Mile Coverage – your insurance premium depends on your driving habit. You need to pay more if you are a frequent driver.
  • Personal Injury Protection Coverage – It covers for the medical expenses in case of a car crash regardless of fault.
  • Physical Damage Coverage – compensates for the damage done to the body of your car for any reason
  • Property Damage Liability – It helps you repay for the damage that your car caused to somebody else’s property.
  • Rental Car Insurance – Pays for the repair or replacement of your rented car if it is damaged or stolen.
  • Underinsured/Uninsured Motorist Coverage – It helps you protect yourself from uninsured or under insured motorists on the road. This coverage compensated for your losses in such situation.

What is the proof of your financial responsibility and Colorado car insurance?

Proof of insurance in colorado

  • Self-insurance certificate
  • ID card to certify your auto insurance provided by your service provider
  • A certification letter from your Colorado car insurance company on its own letter head.

What if you drive in Colorado without car insurance?

If you are found driving without adequate proof of your auto insurance on the roads of Colorado, you may be liable for the following penalties

  • In case of your first offense – a fine of minimum $500 and possible suspension.
  • In case of your second offense – a fine of minimum $1,000 and a suspension of four-months
  • In case of your third offense – a minimum fine of $1,000, community service and an eight month suspension.