Colorado Car Insurance

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Common questions about Colorado auto insurance

Need car insurance in Colorado? Whether you live in Colorado Springs, Denver, or anywhere else in the great Centennial State, Liberty Mutual Insurance can help you save on car insurance! 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

Here are the minimum auto insurance limits drivers must have in Colorado.1



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 the average cost of car insurance in Colorado?

The average cost of car insurance in Colorado was $1,6872 in 2021 according to 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.

U.S. Map with Colorado state highlighted

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

“Full coverage” may also include

What Colorado car insurance coverage is right for you?

All Colorado drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Colorado car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in Colorado?

Liberty Mutual knows that everyone has different needs for their Colorado auto insurance. Some may want the cheapest Colorado car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Colorado car insurance, so you only pay for what you need.

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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.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Colorado DOI for more information:
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance