Colorado Car Insurance Quotes

The State of Colorado was formed as a free territory on February 28, 1861. Colorado means ruddy in Spanish. The rectangle-shaped Colorado has a well-designed highway system with I-25 as the north-south highway and I-70 as the east-west highway. Find out how to get the required automobile insurance coverage to reach that “Rocky Mountain High.”

Colorado: “Rocky Mountain High”

Mountains, forest, mesas, canyons, rivers and even deserts enable Colorado visitors to enjoy a wide range of exciting outdoor activities. Pikes Peak, the Colorado River and Glenwood Springs are some of the most popular tourist destinations. The State of Colorado requires drivers to carry personal and property liability insurance coverage.

Minimum Colorado Insurance Coverage

The State of Colorado is attempting to increase the percentage of its citizens who carry auto insurance. Colorado is the 9th worst state in terms of having a high percentage of uninsured motorists. The Colorado State Patrol may request you to show your “proof of financial responsibility” (which is the automobile insurance document for Colorado). Here are the state minimums for Colorado insurance coverage:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $15,000 for property damage or destruction

The property damage minimum is slightly lower than you will find in other states. While you are not required to carry any other insurance coverage in the State of Colorado, such as uninsured motorist, you are required to reject these policies in writing.

The State of Colorado also has a special program to help pay for the medical costs resulting from serious traffic accidents. This is called the Medical Pay (or MPC) program. If you do not “opt out” of the MPC program, then your insurer will hold $5,000 of your coverage for 30 days to pay for trauma bills.

Select Your County Below to Start the Insurance Quote Process:

Alamosa County
Arapahoe County
Archuleta County
Baca County
Bent County
Boulder County
City and County of Broomfield
Chaffee County
Cheyenne County
Clear Creek County
Conejos County
Costilla County
Crowley County
Custer County
Delta County
City and County of Denver
Dolores County
Douglas County
Eagle County
Elbert County
El Paso County
Fremont County
Garfield County
Gilpin County
Grand County
Gunnison County
Hinsdale County
Huerfano County
Jackson County
Jefferson County
Kiowa County
Kit Carson County
Lake County
La Plata County
Larimer County
Las Animas County
Lincoln County
Logan County
Mesa County
Mineral County
Moffat County
Montezuma County
Montrose County
Morgan County
Otero County
Ouray County
Park County
Phillips County
Pitkin County
Prowers County
Pueblo County
Rio Blanco County
Rio Grande County
Routt County
Saguache County
San Juan County
San Miguel County
Sedgwick County
Summit County
Teller County
Washington County
Weld County
Yuma County

Penalties for Non-Compliance

The Colorado penalties for driving without insurance are stated in “Title 42 Regulations of Vehicles” of statutes. These penalties could include fines, community service, license suspension and jail time.

The first offense could lead to a fine of more than $500, 40 hours of community service and license suspension. The second offense (within a period of five years) could lead to a fine of more than $1,000 along with 40 hours of community service, license suspension and jail time of anywhere from 10 to 365 days.

Enjoy the Rocky Mountains

Whether you want to ski the mountains, raft the rivers or simply relax in Colorado, make sure you carry the minimums for insurance coverage. Just fill out the form above for a free quote.