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UPDATED: Jun 26, 2020
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State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:
The Colorado Division of Insurance sets car insurance requirements for Colorado drivers and current laws requires all drivers to carry liability insurance with minimum levels of coverage.
Medical payments coverage is always mandatory for all drivers, but specific exemptions can provide an opportunity for drivers to opt out of this coverage.
While Colorado state car insurance law does provide sufficient levels of coverage for minor accidents, they do not offer enough financial protection for drivers involved in more severe crashes.
Colorado is not alone here as most state minimum car insurance requirements are somewhat insufficient for most people.
Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:
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Colorado State Car Insurance Requirements
Colorado car insurance laws require all vehicles to have car insurance coverage with at least minimum limits of liability coverage.
The limits of liability coverage are:
- $25,000 bodily injury coverage per person
- $50,000 physical injury coverage per accident
- $15,000 property damage
Remember that medical expenses can often set you back $10,000 or more overnight and the cost of repairing some luxury cars can easily exceed the levels should the damage be high enough.
In 2009, the State of Colorado passed a law requiring all drivers to also obtain a minimum of $5,000 in medical payments coverage.
Most states do not require medical payments coverage but, it is a beneficial and affordable type of car insurance to have.
ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in CO.
Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in CO.
Take a look at these 6 major factors affecting auto insurance rates in CO.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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Who are the best Colorado car insurance companies?
Colorado is quite a large market for car insurance companies so almost national providers offer coverage in the State.
In fact, over 100 licensed car insurance companies offer automobile insurance so finding an insurer is not too difficult.
Now let’s see who is the cheapest car insurance company in Colorado.
There many car insurance companies who are just as financially stable as the other and every driver has unique needs so spend more time comparing those providers you trust rather than chasing after who has the best title.
Who are the largest car insurance companies in Colorado?
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