- 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, 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 drivers could save money with these 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 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
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate