1. Home

Car Insurance in Colorado (Updated May 2024)

Compare Colorado car insurance quotes with EverQuote and get your own personalized recommendations

Save hundreds today by comparing quotes from the nation’s top insurance companies

shield No junk mail. Instant results. Always free.

ProgressiveLiberty MutualRoot
The GeneralAmerican FamilyElephant

✅ Why you can trust EverQuote - EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance. 

Colorado Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Colorado however, drivers are paying 7% less for car insurance than the national average, with Full Coverage costing Colorado drivers an average of $176 per month

Similar to other states, the rates in Colorado can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Colorado. Read on to learn more about properly insuring your car in Colorado. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Colorado Car Insurance Laws

Colorado requires all automobile owners to carry liability car insurance, which covers bodily injury and property damage to other individuals when the insured driver is at fault for an accident.

Colorado’s car insurance minimums

Drivers who opt for liability coverage must obtain a policy that meets Colorado’s minimum car insurance requirements, which include:

  • $25,000 for bodily injury or death to any one individual in an accident
  • $50,000 for bodily injury or death to all persons involved in an accident
  • $15,000 for property damage arising from a single accident

Proof of Insurance

Individuals who own more than 25 vehicles registered in their name may qualify for self-insurance if they apply for a certificate from the state Insurance Commissioner.  

Before operating a new or used vehicle, ensure you have insurance coverage that meets the minimum liability requirements. ” 


Driving without insurance in Colorado may result in a minimum $500 fine for the first infraction. A second ticket for driving without insurance within five years of the first infraction can result in a $1,000 fine. The court may order an individual convicted of driving without insurance to perform at least 40 hours of community service.

There is no defined Colorado new car insurance grace period. Before operating a new or used vehicle, ensure you have insurance coverage that meets the minimum liability requirements. You should notify your insurer immediately of any new vehicles you wish to add to your policy.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Colorado?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Colorado?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Colorado?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.