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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 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 the following car insurance coverage: bodily injury, property damage, uninsured motorist bodily injury, and medical payments.
This chart shows the minimum auto insurance drivers are required to have in Colorado to be considered fully covered.1
Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $20,000 per person and $50,000 per accident |
| Property Damage Coverage | $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 is the average cost of car insurance in Colorado?
The average cost of car insurance in Colorado is $1,704 per year according to thezebra.com.2 That’s 14.5% 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 bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Colorado auto insurance, so you only pay for what you need.
What Colorado car insurance coverage is right for you?
The chart above shows the minimum Colorado auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage 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 is the best car insurance in Colorado?
NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.3 That’s because we understand that everyone has individual needs when it comes to their Colorado auto insurance. Some might want the cheapest Colorado car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Colorado car insurance, so you only pay for what you need.
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
- $617 lower than GEICO
- $659 lower than Allstate
- $643 lower than Nationwide