Compare car insurance in Colorado

Most popular Colorado auto insurance companies list

Average car insurance costs for drivers in Colorado

In Colorado the average annual cost for auto insurance ranges from $1,200-1,450 — and you can probably expect to pay a price somewhere in that range. However, because costs tend to vary so much between insurance providers and individual drivers, you could just as easily fall outside that range.

Which city has the cheapest car insurance in Colorado?

Of Colorado’s largest cities, Greeley has the cheapest rates and Aurora has the most expensive car insurance rates. Aurora drivers could face rates 10 times more than Greeley drivers.

• Aurora
• Longmont
• Parker
• Denver
• Greeley

State minimum requirements in Colorado

In order to drive legally in Colorado you’ll need liability insurance, which includes:

• $25,000 per person for bodily injury.
• $50,000 per accident for bodily injury.
• $15,000 per accident for property damage.

When shopping for car insurance, you’ll sometimes see this written as 25/50/15.

Uninsured motorist coverage protects you if you get into a car accident with someone who is at–fault for the accident but doesn’t carry insurance. Some states require that you carry this type of insurance. Colorado is an opt-out state, so insurance companies are required to offer you uninsured motorist (UM/UIM) coverage, but you can sign a waiver to deny it. In 2008, Colorado expanded its restrictions on insurance companies to also require that they offer UM/UIM coverage in the same amounts that you select for bodily injury liability limits.

Car insurance for high-risk drivers in Colorado

Can’t get covered with a traditional or affordable provider? If you’ve been denied coverage because you’re considered a high-risk driver, you can still find insurance through the Western Association of Automobile Insurance Plans (WAAIP).

WAAIP assigns you an affordable provider in its network of insurance companies. Any extra risks you pose to the insurer are negated by spreading it out across the network of participating companies.

Can I get SR-22 insurance in Colorado?

You might need an SR-22 in Colorado if you’ve gotten a DUI, lost your license or have too many points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel. You’ll be notified by your state DMV if you’re required to file an SR-22.
How long should your disability elimination period last?

Bottom line

Minimum car insurance requirements in Colorado can be affordable if you’re willing to shop around and compare providers, policies, discounts and rates. Plus, given Colorado’s substantial consequences for uninsured drivers, it hardly makes sense to go without auto insurance.

Compare your car insurance options, from costs to regulations to little-known discounts and deals, to find the best insurance for you.

Frequently asked questions about car insurance in Colorado

• Is my out-of-state insurance policy acceptable in Colorado?

  Depending on your car insurance provider, you may be able to keep your plan when moving into Colorado. Contact your insurance agent for more information on moving policies.

• What if I can’t find an auto insurer because of my driving history?

  Colorado participates in the Western Association of Automobile Insurance Plans (WAAIP), which helps high-risk drivers find car insurance. If you’re a high–risk driver, ask an insurance agent to help you apply. However, WAAIP policies tend to be much more expensive than typical insurance rates, so make sure that you’ve looked into your other options before deciding to use WAAIP.