- Car Insurance
- Auto Insurance by State
- Colorado Car Insurance
Get a Colorado car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Colorado
Need car insurance in Colorado? Whether you live in Colorado Springs or 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.
Colorado auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programColorado minimum car insurance requirements (25/50/15)
It's illegal to drive without car insurance in Colorado. To drive legally, you need to have at least the following coverage amounts and minimums in Colorado.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $15,000 per accident |
Check out the Colorado Division of Insurance for more details.
Average car insurance cost in Colorado, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Colorado is about $2,268 per year.
Drivers in Colorado will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
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.
Who offers cheap 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
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Is Colorado a no-fault car insurance state?
No. Colorado is not a no-fault state. They use a “tort” system (at-fault), meaning the driver who causes the accident is responsible for injuries and property damages. The state also has a modified comparative negligence rule that allows drivers found to be less than 50% responsible the ability to recover damages.
To offset some of the liability, Colorado drivers can purchase Medical Payments (MedPay) Coverage and Uninsured/Underinsured Motorist Coverage (UM/UIM). Colorado insurers generally must offer UM/UIM coverage, and MedPay is typically included unless you reject it in writing.
Colorado car insurance FAQs
- Yes. Driving without insurance in Colorado carries penalties. The first offense usually results in a fine and license suspension until insurance is restored. These penalties escalate with each offense, and they may also include community service. If you're caught with no insurance coverage, you may be required to file an SR-22 with the Colorado Division of Motor Vehicles.
- Colorado has a graduated driver licensing (GDL) program for teen drivers. That means teens can apply for a learner's permit at 15 years old if they complete a driver's education course. The next step is a minor driver's license at age 16, or after holding the permit for twelve months. Adults can add a teen to their main policy. This will increase your premium but will generally still be lower than your teen having their own stand-alone policy.
- Finding the best car insurance for you depends on your individual needs, budget, and driving habits. Liberty Mutual offers customizable auto insurance in Colorado, plus coverage for home and renters that can be bundled with auto insurance for additional savings.
- It's difficult to determine which carrier offers the “cheapest” insurance rates in Colorado because every driver is different. That's why Liberty Mutual offers a range of coverages based on individual scenarios. Examples of this include discounts for buying your policy online, going paperless, Good Student Discount, and safe driver discounts.
- Several factors can influence car insurance costs in Colorado, including severe weather, traffic patterns, population growth in cities like Denver, and claim trends. Areas with heavier traffic and higher accident rates may also see higher insurance costs.
- Liberty Mutual offers multiple ways to lower your car insurance premiums. They include bundling your home and auto insurance, raising your deductible, dropping optional coverage on old vehicles, Good Student Discount, and safe driving discounts through our RightTrack® program.