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Cheap Car Insurance in Colorado

car insurance in coloradoLooking for affordable Colorado automobile insurance? If you reside in Denver, Colorado Springs, Arvada, Westminster, Lakewood, Pueblo, Fort Collins, or Aurora areas, is the right place to start you search. We can help you by providing free rate quotes from most trusted companies offering the best protection in the state.

Colorado Auto Insurance – Average Premiums

Hopefully, if you’re currently driving around in the state of Colorado, you aren’t paying too much more than the state average of $84/mo. However, there are several cities where the average price is up to $88 each month or higher. But some locations, such as Colorado Springs, might be as low as $81 monthly on average.  Colorado ranks 23 out of 50 states in terms of insurance costs.

Average Auto Insurance Costs in Colorado Legend: Major City Arvada Pueblo Westminster Aurora Colorado Springs Denver Fort Collins Lakewood State Average 10 20 30 40 50 60 70 80 $88 $88 $88 $88 $81 $84 $66 $84 $84


Important Colorado Auto Insurance Laws and Requirements

Colorado requires liability insurance, with minimum of $125,000 for injury liability, $50,000 for all injuries, and $5,000 in property damage. From 2003, Colorado is a tort state, which means that the driver who is at fault in a car accident must pay the victims medical expenses, so it’s recommended that you should carry higher coverages than the state minimums. Compare cheap Colorado car insurance quotes now.

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Choosing the Right Amount of Colorado Car Insurance Coverage

It’s up to you as a responsible driver to purchase the right amount of coverage for your vehicle. That being said, some vehicles require more insurance coverage than others. An expensive, luxury vehicle will not only require larger amounts of coverage, but additional types, such as Comprehensive and Collision.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Arvada Pueblo Westminster Aurora Colorado Springs Denver Fort Collins Lakewood State Average 15 30 45 60 75 90 105 120 $52 $125 $52 $125 $52 $125 $52 $125 $45 $117 $50 $119 $38 $95 $49 $119 $48 $119


Colorado DUI Laws

Drivers will face the following penalties for the first DUI offense in the state: up to 1 year imprisonment, 12 license points, a fine of $1,200, and 96 hours community service with a 9-month license suspension. To reinstate a suspended driver license after a DUI, uninsured auto accident, or driving without insurance drivers are required to file an SR-22 form. And on top of it all, your automotive insurance provider will most likely increase your rates – if they don’t drop you completely.

DUI Car Insurance Costs in Colorado Legend: Clean Record DUI Violation Arvada Pueblo Westminster Aurora Colorado Springs Denver Fort Collins Lakewood State Average 10 20 30 40 50 60 70 80 90 100 $52 $82 $52 $82 $52 $82 $52 $103 $45 $86 $50 $99 $38 $73 $49 $97 $48 $88


Age Limit Laws

In Colorado, the following young drivers can apply for a Learner Stage driving permit: 15 year olds who have successfully completed driver’s ed; teenagers of 15 years and 6 months of age who have successfully completed a driver awareness program; or 16 year olds who have not taken any driver education courses. Regardless of what age you get your learner’s permit, you will not be able to graduate to the next stage until you have had the permit for 12 months. During that time, You will need at least 50 hours of supervised driving (and 10 hours of supervised night driving) before you receive an intermediate license. Teenagers with an intermediate permit are not permitted to drive between the hours of 12-5 AM, nor are they allowed any passengers under the age of 21 who are not family (for the first 6 months. After that, they can carry one young non-related passenger). The earliest that a teenage driver in Colorado can get a full license is 17 years of age.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Arvada Pueblo Westminster Aurora Colorado Springs Denver Fort Collins Lakewood State Average 20 40 60 80 100 120 140 160 180 200 220 $222 $233 $187 $213 $181 $204 $145 $201 $198


Credit Score Laws and Regulations

Like 47 other states, Colorado is a state in which your insurance company can legally use your credit information to raise or lower your rates. The higher your credit score, the lower your monthly rate will be; conversely, if you have poor credit but want lower monthly payments, you may want to work towards raising your credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Arvada Pueblo Westminster Aurora Colorado Springs Denver Fort Collins Lakewood State Average 10 20 30 40 50 60 70 $38 $74 $38 $74 $38 $74 $38 $74 $33 $63 $37 $70 $28 $53 $36 $69 $36 $69


Insuring your Vehicle in Colorado

For some reason, many drivers believe that their insurance policy is insuring them, the driver; meaning that no matter what vehicle they are driving, their insurance policy will cover any adverse incidents. But the truth is that your insurance policy is tailored specifically for your vehicle (hence the reason they need to know your make/model).

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Arvada Pueblo Westminster Aurora Colorado Springs Denver Fort Collins Lakewood State Average 15 30 45 60 75 90 105 120 $52 $132 $52 $132 $52 $132 $52 $132 $45 $121 $50 $133 $38 $98 $49 $124 $48 $125


Additional Colorado Auto Insurance Laws and Requirements

We have already discussed many of the more important state laws which will heavily influence your monthly costs for automotive insurance. However, there are other laws too which can raise your rates – if you get caught breaking them, that is.

Highway Safety Laws

For better or for worse, there are no aggressive driving laws in the state of Colorado. If you wish to drive aggressively with absolutely no concern for good manners or the safety of your fellow drivers, you are legally free to do so. But not only will the likelihood of getting into an accident go up, but you and your insurance company will be more likely to be held financially responsible for causing the accident.

Aggressive Driving No state law
Cell Phones and Texting Laws Yes
Inc. Penalty for High BAC BAC 0.17
Admin. License Susp. on 1st Offense 90 days

Speed Limits and Cell Phone Use

As far as texting and driving goes, there is an all-driver ban in the state of Colorado. Not only is there a ban on texting, but the violation is considered a primary offence, which means that law enforcement can and will pull you over and ticket you for violating the ban. Likewise, it is also a primary offense for drivers under the age of 18 to use their cell phone at all while driving. Adults 18 and over, however, are not breaking any laws by talking on their phone while operating a motor vehicle.

Rural Interstate 75 mph
Urban Interstate 65 mph
Other Limited-Access 65 mph

Important Colorado Contacts

Colorado Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Colorado Website

Colorado Department of Insurance

How to contact directly:

The Colorado Dept. of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
Phone: 1-303-894-7499
Toll Free: 1-800-930-3745
Fax: 1-303-894-7455

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