Colorado car insurance: requirements & free quotes
Colorado is an at-fault state with a 25/50/15 minimum. Front Range hailstorms, mountain passes and winter weather mean many drivers pay close attention to comprehensive coverage and deductibles.
Minimum coverage in Colorado
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$15,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $15,000 per accident
Shown as 25/50/15. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Colorado
- Comprehensive coverage is key in Colorado, where hail is a frequent cause of vehicle claims.
- Insurers must offer medical payments coverage; review whether to keep it.
- Uninsured/underinsured motorist coverage is offered on every policy and can only be declined in writing.
- Compare deductibles carefully, as a higher comprehensive deductible can noticeably change your premium.
We connect drivers across Colorado
Including Denver, Colorado Springs, Aurora, Fort Collins and Boulder — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Colorado car insurance FAQ
No. Colorado is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.