Is Colorado a no-fault state?

No, Colorado is not a no-fault state.Colorado drivers aren’t required to purchase no-fault insurance like personal injury protection (PIP) or MedPay, but it’s still recommended for most drivers. Uninsured/underinsured motorist coverage is also good, as it will cover you if the other driver doesn’t have insurance or enough to cover your expenses.

Can you get car insurance without a license in Colorado?

Getting car insurance without a driver’s license is very rare and difficult in Colorado—and anywhere else. While it’s illegal to drive without a license, non-standard car insurance companies may allow you to get insurance without a license in special circumstances, such as if you’re unable to drive and have a caregiver with a valid license listed as the primary driver on your policy.

What is the best car insurance for seniors in Colorado?

Colorado seniors typically find the best car insurance dealers with GEICO, AARP, and smaller companies like Colorado Farm Bureau.

What app searches for the cheapest car insurance?

The Jerry app is designed to search for the cheapest free car insurance quotes based on your profile. Jerry partners with over 55 top-rated insurance companies and is backed by a team of 100+ licensed agents.

How much is car insurance in Colorado?

The average car insurance cost for minimum liability coverage in Colorado is $116 per month and $1,395 per year. The average cost for full coverage insurance in Colorado is $209 per month and $2,502 per year.

What is the cheapest car insurance in Colorado?

No one insurance provider will offer the cheapest rates for all customers, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry.

What are the best car insurance companies in Colorado?

There is no single best company in Colorado—the provider you choose depends on your driving profile and which company will offer the best rate for the best coverage. Some of the most popular companies in Colorado include GEICO, American Family Insurance, USAA, Allstate, State Farm, and Progressive.

What us the minimum car insurance required in Colorado?

State law requires all drivers to carry liability car insurance if they’re behind the wheel. In Colorado, drivers must have insurance that follows a 25/50/15 pattern—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

Do you need insurance to register a car in Colorado?

Yes—before you can register a car in Colorado, you must have proper car insurance. To register your vehicle in Colorado, you will need the following:

Can your car get towed for no insurance in Colorado?

Driving without insurance is illegal in all states, and if you’re pulled over by law enforcement and don’t have proper insurance, they can tow your vehicle to an impound lot at your own expense. However, the most common penalties for driving without insurance include a fine of at least $1,000, a driver's license suspension of eight months, one year in jail, 40 hours of community service, and four points on your driver’s license.

Does insurance follow the car or the driver in Colorado?

As with most other states, car insurance follows the car rather than the driver. That means that if a family member or friend is driving your vehicle with permission and they get into an accident, your insurance provider will likely cover the claim, depending on your insurance policy.

What does full coverage car insurance consist of in Colorado?

Full coverage auto insurance in Colorado includes only liability insurance and collision and comprehensive. Minimum state car insurance requirements in Colorado mandate liability must be a minimum of $25,000 per person and $50,000 per accident for bodily injury liability, and at least $15,000 for property damage liability. Comprehensive and collision insurance are not mandatory in Colorado but are recommended.

Can you have out-of-state car insurance in Colorado?

For a vehicle to be registered in Colorado, you must have car insurance that meets the minimum state requirements. The state does allow drivers to use out-of-state insurance to register a vehicle in Colorado, but it’s recommended that you get Colorado insurance before renewing your registration. If you are using out-of-state insurance, you must provide proof that it meets the minimum state requirements.

Is PIP required in Colorado?

No, Colorado is an at-fault state and does not require personal injury protection (PIP), and it is not available in Colorado. Instead, drivers can get MedPay to help cover personal injury expenses.

Cheapest Car Insurance in Colorado (Nov 2024)

Written by R.E. Fulton and 2 others

Nov 22, 2024

Cheapest Car Insurance in Colorado (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Colorado.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Nov 22, 2024

How to find the cheapest car insurance quotes in Colorado

Finding cheap car insurance that meets your needs can be tricky. That’s why we created Jerry—a platform that makes it easy for Colorado drivers to find and compare car insurance quotes. It’s quick, hassle-free, and helps you find the best deals on insurance regardless of your age, driving history, or coverage needs.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Progressive	$220	Travis, 29, Aurora, CO	Toyota Rav4 Le	State Minimum	Yes
Progressive	$36	Randall, 44, Longmont, CO	Jeep Cherokee Trailhawk	State Minimum	No
Bristol West	$306	Theodore, 31, Denver, CO	Kia Telluride Sx	State Minimum	Yes
Mendota	$103	Lizzie, 35, Lakewood, CO	Ford Taurus Sel	State Minimum	No
Trexis	$79	Lizzie, 24, Rocky Ford, CO	Ford F250 Super Duty	State Minimum	No

Last Updated Nov 29, 2024

Cheapest car insurance companies in Colorado

Looking for the insurance provider who offers the best rates in Colorado? Jerry conducted one of the most extensive insurance surveys in the nation to give you the inside scoop.

There’s no one-size-fits-all model for insurance, and no single company will offer the best rates for every driver.

State Farm, Progressive, USAA, and GEICO have the largest market shares in Colorado and may offer competitive rates for Colorado drivers. But bigger isn’t always better! State Farm is often named as the cheapest car insurance company in Colorado—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.

Which insurers got the best ratings among Colorado drivers? Safe Auto, Farmers, Safeco and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Anchor General	October 31, 2024	5	“I love Jerry’s insurance help it’s made it simple” -Ronnie
Esurance	October 29, 2024	3	“I go with them because they’re cheap. That’s it.” -Jared
Allstate	October 28, 2024	4	“Cheaper than geico but high deductible and no glass coverage “ -Anthony
GEICO	October 27, 2024	5	“They go above and beyond to make sure i have the best rate and coverage for my buck.” -Billy
AAA	October 22, 2024	5	“I feel so safe when I know that I have AAA insurance backing me up, because I know if anything happens they will be there to help me” -Iva

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Finding an insurance policy that fits your needs can be tricky, so when you’re ready to shop, shop with Jerry. It’s the easiest and quickest way to compare car insurance quotes online using your smartphone. Jerry partners with over 50 top insurance providers and has 100+ licensed insurance agents to help you find the best coverage and rate.

Minimum car insurance requirements for liability and full coverage in Colorado

Colorado’s car insurance laws mandate that all drivers carry liability insurance, which includes bodily injury and property damage insurance. However, drivers can upgrade to a full coverage plan that covers damage to their car.

Cheapest minimum liability coverage in Colorado

If you’re planning to hit the road in Colorado, you must meet the minimum state insurance requirements for liability insurance.

The state minimum coverage or minimum essential coverage in Colorado follows a 25/50/15 pattern—$25,000 per person and $50,000 per accident for bodily injury liability coverage, and $15,000 for property damage liability coverage per accident.

Do you need more than the minimum liability insurance coverage in Colorado?

Colorado has fairly average liability insurance coverage requirements, but most drivers need more than the 25/50/15 state minimum.

If you’re involved in an at-fault accident, medical bills and vehicle repair costs could easily add up to more than the minimum requirements—especially if another driver incurs serious injuries or severe vehicle damage. A totaled vehicle could cost well above $50,000, while medical bills can quickly exceed $25,000. Colorado car accident laws set the statute of limitations for personal injury lawsuits to three years after a crash, so your liability will extend long after the actual incident passes.

The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.

Cheapest full coverage Colorado auto insurance quotes

Purchasing a full coverage car insurance policy is the only way to protect yourself from unexpected costs associated with an accident, such as car repair or replacement.

Full coverage includes comprehensive and collision coverage. Collision coverage helps cover the costs of vehicle repair or replacement if your vehicle is damaged in an accident with another vehicle or stationary object, such as a tree or road sign.

Comprehensive coverage, on the other hand, helps cover the cost of repairs to your vehicle that are the result of non-collision-related incidents, such as fire, theft, vandalism, falling objects, or hail.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	Yes	Progressive	$220	Travis, 29, Aurora, CO	Toyota Rav4 Le
State Minimum	No	Progressive	$36	Randall, 44, Longmont, CO	Jeep Cherokee Trailhawk
State Minimum	Yes	Bristol West	$306	Theodore, 31, Denver, CO	Kia Telluride Sx
State Minimum	No	Mendota	$103	Lizzie, 35, Lakewood, CO	Ford Taurus Sel
State Minimum	No	Trexis	$79	Lizzie, 24, Rocky Ford, CO	Ford F250 Super Duty

Last Updated Nov 29, 2024

Average rates for minimum liability coverage and full coverage car insurance in Colorado

Comparing rates from thousands of insurance policyholders in Colorado, the average cost of minimum liability coverage is $116 per month or $1,395 per year. The average cost for full coverage insurance in Colorado is $209 per month or $2,502 per year.

National average insurance rates are a good way to help predict what you may pay for your own insurance costs, but insurance premiums are determined by a variety of factors, such as your age, location, vehicle make and model, driving record, and claims history.

Other types of Colorado auto insurance

On top of collision and comprehensive coverage, Colorado drivers may also consider the following types of insurance:

Medical payments (MedPay)
Personal injury protection (PIP)
Uninsured motorist/underinsured motorist protection
Towing and labor coverage
Gap insurance

If you have a loan on a recently-purchased car, gap insurance helps to cover the difference between the car’s actual cash value and the amount you owe if it’s totaled or stolen.

If you don’t own a car but frequently rent or borrow one, you should consider non-owner car insurance in Colorado. This type of car insurance offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident, but it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.

LEARN MORE: Types of insurance

Car insurance premium by rating factors

When purchasing an auto insurance policy in Colorado, insurance providers base rates on various factors, including:

Driving record and claims history: Insurance carriers will charge more if you have accidents or tickets on your driving record.
Vehicle location: Insurance rates are usually higher if you live in a city like Denver or Colorado Springs. Rates can also vary based on your ZIP code, even in the same city.
Vehicle make and model: Insurance coverage is more costly for luxury, high-performance, and sports cars.
How you use your car: Cars driven for work typically have higher insurance premiums than cars used for leisure.
Your credit score: Drivers with higher credit scores generally pay less for the same coverage level.

How to find cheap Colorado car insurance if you’re a high-risk driver

Your driving history has a significant impact on your car insurance rates. Drivers with a history of offenses tend to be classified as high-risk, leading to higher-than-average premiums.

Cheapest car insurance for Colorado drivers with a speeding ticket

In Colorado, the penalties for speeding vary based on the degree:

Speeding 5–9 mph over the posted limit: 1 point
Speeding 10–19 over the posted limit: 4 points
Speeding 20–39 over the posted limit: 6 points
Speeding 40–or more over the posted limit: 12 points

A speeding ticket will generally impact car insurance rates, with harsher penalties for harsher offenses. But with Jerry, you can save on car insurance—even with a speeding ticket on your record.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding 11-15	Mendota	$446	Birdie, 21, Colorado Springs, CO	State Minimum	Yes
Speeding Violation-Minor	Bristol West	$147	Alta, 26, Aurora, CO	State Minimum	Yes
Speeding Violation-Minor	Progressive	$69	Sophia, 44, Fort Collins, CO	State Minimum	No
Speeding Violation-Minor	Trexis	$152	Jordan, 29, Lakewood, CO	State Minimum	No
Speeding Violation-Minor	The General	$825	Cordelia, 30, Denver, CO	State Minimum	Yes

Last Updated Nov 29, 2024

How to find cheap Colorado auto insurance after a DUI

Regardless of where you live, a DUI on your driving record can have severe implications for your car insurance rates. Drivers with a DUI are considered high-risk drivers, which means a steep increase in your premium.

Car insurance rates can vary dramatically between insurance providers if you have a DUI on your Colorado driving record, so comparing rates is the best way to find the most affordable option after a DUI offense.

Colorado SR-22 insurance

For Colorado drivers that have committed a serious driving violation such as a DUI or reckless driving, an SR-22 is required before you can get back on the road. A Colorado SR-22 is a certificate filed by your insurance company that proves you carry the minimum required car insurance in Colorado.

Following a license suspension or revocation, you will be notified if you need to file an SR-22. To reinstate your driving privilege, your insurance provider must submit this form before you can regain your license.

If you have to file an SR-22 in Colorado, you are deemed a high-risk driver, and you can expect to pay a higher insurance premium than a driver with a clean record. The exact cost you’ll pay depends on the severity of the incident leading to a license suspension.

Remember that some insurers won’t offer insurance for drivers requiring an SR-22 or may offer limited insurance options.

How to find cheap car insurance in Colorado after an at-fault accident

Your driving history is one of the biggest influencing factors for car insurance rates. Insurers look at any previous at-fault accidents to determine how much of a risk they pose to insurers. If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	Progressive	$220	Travis, 29, Aurora, CO	State Minimum	Yes
At Fault With No Injury	Trexis	$79	Lizzie, 24, Rocky Ford, CO	State Minimum	No
At Fault With No Injury	Progressive	$52	Jeff, 64, Boulder, CO	State Minimum	No
Not At Fault	Progressive	$371	Jeffery, 52, Colorado Springs, CO	State Minimum	Yes
At Fault With No Injury	Dairyland	$159	Victoria, 23, Aurora, CO	State Minimum	No

Last Updated Nov 29, 2024

FAQ

Is Colorado a no-fault state?

No, Colorado is not a no-fault state.Colorado drivers aren’t required to purchase no-fault insurance like personal injury protection (PIP) or MedPay, but it’s still recommended for most drivers. Uninsured/underinsured motorist coverage is also good, as it will cover you if the other driver doesn’t have insurance or enough to cover your expenses.

But one of the perks of being a no-fault or tort state is that it keeps Colorado’s insurance costs relatively low.

The bottom line: PIP isn’t required by law in Colorado, but it might be worth investing in if you don’t have health insurance. MedPay, however, is automatically included in all Colorado insurance policies up to $5,000, but since it’s not part of the state’s insurance requirements, you can reduce it in writing.
Can you get car insurance without a license in Colorado?

Getting car insurance without a driver’s license is very rare and difficult in Colorado—and anywhere else. While it’s illegal to drive without a license, non-standard car insurance companies may allow you to get insurance without a license in special circumstances, such as if you’re unable to drive and have a caregiver with a valid license listed as the primary driver on your policy.
What is the best car insurance for seniors in Colorado?

Colorado seniors typically find the best car insurance dealers with GEICO, AARP, and smaller companies like Colorado Farm Bureau.
What app searches for the cheapest car insurance?

The Jerry app is designed to search for the cheapest free car insurance quotes based on your profile. Jerry partners with over 55 top-rated insurance companies and is backed by a team of 100+ licensed agents.

Cheapest auto insurance after other violations in Colorado

A DUI and speeding tickets aren’t the only driving violations that can increase your insurance premium. Other violations like careless or reckless driving, driving without insurance, or driving with a suspended license are also serious offenses that can cause your insurance costs to increase.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Driving on Sus. License	Progressive	$36	Randall, 44, Longmont, CO	State Minimum	No
Other Minor	Progressive	$52	Jeff, 64, Boulder, CO	State Minimum	No
Failure to Obey Signal	Dairyland	$159	Victoria, 23, Aurora, CO	State Minimum	No
Ticket Violation Not Listed	Progressive	$309	Gary, 27, Henderson, CO	State Minimum	Yes
Ticket Violation Not Listed	The General	$142	Etta, 41, Aurora, CO	State Minimum	No

Last Updated Nov 29, 2024

How to find cheap Colorado car insurance based on your insurance history

Your insurance history—whether you have car insurance or not—also plays a role in your insurance premium. Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance. Depending on the duration, a lapse in insurance coverage could lead to being labeled a “high-risk driver,” which comes with a steep premium.

To avoid missing a payment or lapsing in insurance coverage, Jerry offers eligible drivers the option to turn on notifications warning you when it’s time to make a payment or if you’ve missed a payment.

How to find cheap Colorado car insurance with a low credit score

Finding affordable car insurance with a poor credit score can be tricky. Insurers use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the higher the insurance cost you will face. While your credit score may not be a good indicator of how you drive, individuals with low credit scores get penalized regarding premiums.

On average, Colorado drivers with poor credit scores can see rates about 93% higher than drivers with good credit scores. That said, whether your credit affects your auto insurance rate depends on your state. The degree to which it affects premiums varies between states and auto insurance companies.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

550-659	Progressive	$220	Travis, 29, Aurora, CO	Toyota Rav4 Le	State Minimum	Yes
660-750	Progressive	$36	Randall, 44, Longmont, CO	Jeep Cherokee Trailhawk	State Minimum	No
660-750	Bristol West	$306	Theodore, 31, Denver, CO	Kia Telluride Sx	State Minimum	Yes
<550	Mendota	$103	Lizzie, 35, Lakewood, CO	Ford Taurus Sel	State Minimum	No

Last Updated Nov 29, 2024

How to find cheap auto insurance in Colorado for your age

Young drivers (under 25) see the highest insurance premiums due to a lack of driving experience and a higher risk of accidents and claims. After 25, car insurance rates typically decline steadily and start rising again after 60.

If you’re looking for cheap insurance as a young or elderly driver, Travelers, State Farm, Geico, and USAA generally offer some of the most competitive rates.

The best car insurance companies in Colorado for young drivers

Drivers aged 16 to 19 tend to pay the highest insurance premiums of any age bracket in the Centennial State due to limited driving experience. As a driver gains more experience behind the wheel, rates will decrease. In general, cheap auto insurance is more plausible after 25.

For drivers under 19 with a new vehicle, opting for a full coverage policy may be more costly, but it offers greater protection against accidents due to a lack of driving experience.

The best car insurance companies for senior drivers in Colorado

Once you hit your mid-70s, the cost of car insurance starts to increase again. Premiums tend to be higher for seniors for several reasons. Older people are at a higher risk of mortality, hospitalization, and medical expenses from car accidents, but they also have slower reflexes than younger people, which can increase the risk of an accident. Together, these lead to older drivers paying higher rates for car insurance.

How to find car insurance discounts in Colorado for your motor vehicle

Your vehicle’s make and model also influence how much you pay for car insurance. Cars with a higher book cost tend to have higher premiums. But in general, the costs associated with your car that can drive up insurance rates include:

Repairs or replacements
Likelihood of theft
Safety record

Some of the most popular cars among Colorado drivers include:

Ford F-150
Chevrolet Silverado
Subaru Outback
Toyota Tacoma
Toyota 4Runner
Subaru Forester
Toyota RAV4
Honda CR-V
GMC Sierra

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Toyota Rav4 Le	Progressive	$220	Travis, 29, Aurora, CO	State Minimum	Yes
Toyota Rav4 Limited	Progressive	$104	Austin, 29, Englewood, CO	State Minimum	No
Toyota Rav4	Progressive	$92	Keith, 71, Denver, CO	State Minimum	Yes
Chevrolet Silverado C1500	Progressive	$75	Rosa, 27, Aurora, CO	State Minimum	No
Gmc Sierra K1500	The General	$244	Jimmy, 18, Longmont, CO	State Minimum	No

Last Updated Nov 29, 2024

LEARN MORE: How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

The value of a car usually decreases with age, but that doesn’t mean older cars are always cheaper to insure than a new car. Insurance premiums are determined by how much an insurer would have to pay if a car was damaged, so a car’s resiliency must be considered.

Newer cars have more safety features that can increase their resiliency and, therefore, your premium. However, pitted against an older car with fewer safety features, a new car might command a higher insurance premium because it has more valuable parts.

Generally, a newer car is more expensive to insure than an older one.

How to find cheap car insurance in Colorado in your city

Your location is an important factor for insurers to consider when determining a premium because it affects the likelihood of your vehicle being damaged or stolen. People who live in urban areas tend to pay higher premiums than small towns or rural areas. Where you park your car also matters—in a driveway or secure parking space versus on the street.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Aurora, CO	Travis	Progressive	$220	Toyota Rav4 Le	State Minimum	Yes
Longmont, CO	Randall	Progressive	$36	Jeep Cherokee Trailhawk	State Minimum	No
Denver, CO	Theodore	Bristol West	$306	Kia Telluride Sx	State Minimum	Yes
Lakewood, CO	Lizzie	Mendota	$103	Ford Taurus Sel	State Minimum	No
Rocky Ford, CO	Lizzie	Trexis	$79	Ford F250 Super Duty	State Minimum	No
Denver, CO	John	Progressive	$132	Lexus Es 350	State Minimum	No
Commerce City, CO	Seth	Progressive	$104	Nissan Versa S	State Minimum	No
Boulder, CO	Jeff	Progressive	$52	Lexus Gs 300	State Minimum	No
Aurora, CO	Carlos	Mendota	$300	Hyundai Tucson Limited	State Minimum	Yes
Colorado Springs, CO	Jeffery	Progressive	$371	Chevrolet Equinox Lt	State Minimum	Yes
Denver, CO	Curtis	Dairyland	$618	Bmw 335 Xi	State Minimum	Yes
Aurora, CO	Victoria	Dairyland	$159	Jeep Patriot Latitude	State Minimum	No
Aurora, CO	Manuel	Progressive	$280	Honda Cr-V Le	State Minimum	No
Colorado Springs, CO	Birdie	Mendota	$446	Hyundai Sonata Se	State Minimum	Yes

Last Updated Nov 29, 2024

How to lower the cost of car insurance in Colorado

Finding affordable car insurance can be challenging, but here are some tips from Jerry’s team of experts for how to reduce your car insurance costs in Colorado:

Shop around and compare quotes between insurance providers.
Compare insurance costs before buying a car.
Increase your full coverage insurance (comprehensive and collision insurance) deductible.
Reduce auto insurance coverage where it’s not needed.
Bundle your car and homeowners insurance (or renters and auto) to get a discount.
Maintain a good credit score.
Ask about eligible car insurance discounts, such as good student discounts, good driver discounts, or low mileage discounts.
Take a defensive driving course.

Why is car insurance so expensive in Colorado?

Car insurance in Colorado tends to be more than 20% higher than in the rest of the country. Here are a few reasons why:

Higher number of road accidents
More uninsured drivers
Expensive auto repairs
Increasing population density
High healthcare costs
Increasing highway density
High vehicle theft rate

FAQ

How much is car insurance in Colorado?

The average car insurance cost for minimum liability coverage in Colorado is $116 per month and $1,395 per year. The average cost for full coverage insurance in Colorado is $209 per month and $2,502 per year.
What is the cheapest car insurance in Colorado?

No one insurance provider will offer the cheapest rates for all customers, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry.
What are the best car insurance companies in Colorado?

There is no single best company in Colorado—the provider you choose depends on your driving profile and which company will offer the best rate for the best coverage. Some of the most popular companies in Colorado include GEICO, American Family Insurance, USAA, Allstate, State Farm, and Progressive.
What us the minimum car insurance required in Colorado?

State law requires all drivers to carry liability car insurance if they’re behind the wheel. In Colorado, drivers must have insurance that follows a 25/50/15 pattern—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.
Do you need insurance to register a car in Colorado?
Yes—before you can register a car in Colorado, you must have proper car insurance. To register your vehicle in Colorado, you will need the following:
- VIN verification (if the vehicle was titled in another state)
- Vehicle title
- Secure and Verifiable Identification Information
- Proof of Colorado Vehicle Emissions
- Proof of insurance
Can your car get towed for no insurance in Colorado?

Driving without insurance is illegal in all states, and if you’re pulled over by law enforcement and don’t have proper insurance, they can tow your vehicle to an impound lot at your own expense. However, the most common penalties for driving without insurance include a fine of at least $1,000, a driver’s license suspension of eight months, one year in jail, 40 hours of community service, and four points on your driver’s license.
Does insurance follow the car or the driver in Colorado?

As with most other states, car insurance follows the car rather than the driver. That means that if a family member or friend is driving your vehicle with permission and they get into an accident, your insurance provider will likely cover the claim, depending on your insurance policy.
What does full coverage car insurance consist of in Colorado?

Full coverage auto insurance in Colorado includes only liability insurance and collision and comprehensive. Minimum state car insurance requirements in Colorado mandate liability must be a minimum of $25,000 per person and $50,000 per accident for bodily injury liability, and at least $15,000 for property damage liability. Comprehensive and collision insurance are not mandatory in Colorado but are recommended.
Can you have out-of-state car insurance in Colorado?

For a vehicle to be registered in Colorado, you must have car insurance that meets the minimum state requirements. The state does allow drivers to use out-of-state insurance to register a vehicle in Colorado, but it’s recommended that you get Colorado insurance before renewing your registration. If you are using out-of-state insurance, you must provide proof that it meets the minimum state requirements.
Is PIP required in Colorado?

No, Colorado is an at-fault state and does not require personal injury protection (PIP), and it is not available in Colorado. Instead, drivers can get MedPay to help cover personal injury expenses.

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

^†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.