Colorado car insurance

Common questions about Colorado
auto insurance

Need car insurance in Colorado? Whether you live in Colorado Springs, Denver, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your Colorado auto insurance, so you only pay for what you need.

What car insurance is required in Colorado?

In Colorado, it's illegal to drive without insurance. Drivers in Colorado are required to have car insurance for

Bodily Injury to others
Property Damage
Uninsured Motorist Bodily Injury
Medical Payments

This chart shows the minimum auto insurance drivers are required to have in Colorado for these coverages.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$15,000 per accident
Uninsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Medical Payments	$5,000

For more information, check out the Colorado Division of Insurance.

What liability insurance is required in Colorado?

Colorado law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum auto insurance requirements of

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $15,000 per accident

You may see this written as 25/50/15.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

What is “full coverage” auto insurance in Colorado?

The term “full coverage” auto insurance can mean different things to different people. That's because there's no set standard or type of coverage.

In general, “full” auto coverage car insurance refers to having coverages for

Liability (usually includes Bodily Injury and Property Damage)
Comprehensive
Collision

“Full coverage” may also include

What is the average cost of car insurance in Colorado?

The average cost of car insurance in Colorado was $1,687³ in 2021 according to thezebra.com. That's 10% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual could save you money on Colorado auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Colorado state highlighted

Who has the cheapest car insurance in Colorado?

Getting the cheapest car insurance in Colorado may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴