Car Insurance in Colorado: How to Find the Policy That Fits You

MoneyGeek has analysis and solutions for drivers in Colorado to help you find the best car insurance options for your particular profile.

Find the Best or Cheapest Car Insurance in Colorado

If you are looking for cheap car insurance in Colorado, MoneyGeek compiled and analyzed quotes to help you find the most affordable insurers. We also used our unique scoring system to rank the best car insurance companies in Colorado for a balance of quality and affordability. MoneyGeek also analyzed how factors such as age and driving history impact car insurance rates in Colorado to give you an indication of how costs vary for different profiles.

MoneyGeek’s resources mentioned above delve into the cheapest and best car insurance in Colorado based on the driver’s profile. You can also find a quick summary in the table below.

All the recommendations are for a full coverage policy unless noted otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN COLORADO
  • Minimum liability: USAA
  • Full coverage: USAA
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: GEICO
  • Senior drivers: State Farm
  • Student drivers: Allstate
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THE BEST CAR INSURANCE COMPANIES IN COLORADO
  • Overall: GEICO
  • Customer Service: State Farm
  • On a Budget: State Farm
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: Allstate
  • New Cars: Travelers
  • Low-Mileage Drivers: Nationwide

Get a Colorado Car Insurance Quote

Car insurance quotes in Colorado can differ by as much as $1,389 per year for the same driver depending on the insurer. You can save on your car insurance costs by comparing quotes from different insurance companies to find the most affordable options. Getting quotes in Colorado doesn’t have to be a time-consuming process.

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Car Insurance Laws in Colorado

If you want to find out how much car insurance you need in Colorado, MoneyGeek has resources detailing Colorado car insurance requirements.

Colorado car insurance laws require that all drivers have the following liability coverages:

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

The minimum liability limits mandated in Colorado may not necessarily be the right level of coverage for you since Colorado laws only mandate low liability limits and do not require comprehensive or collision insurance.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN COLORADO?

Drivers in Colorado who are classified as high-risk following violations such as DUIs are required to file an SR-22 form as proof of insurance. MoneyGeek breaks down how much you can expect to pay for insurance with an SR-22 in Colorado and how to file with your insurer.

Specialty Car Insurance in Colorado

Depending on your profile and needs, traditional car insurance may not always be the most suitable option. MoneyGeek explored the alternative forms of car insurance in Colorado to help you find specialty policies such as non-owner car insurance, temporary car insurance and low-income car insurance. You can learn more about these types of car insurance policies below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

If you do not own a car but need proof of insurance in Colorado, this may be the best type of policy for you.

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Temporary car insurance

If you drive a rental or are only going to have a car for a short period of time, you can get temporary car insurance in Colorado by buying and canceling a traditional car insurance policy or getting rental car insurance.

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Car insurance for low-income drivers

Most states don’t have programs to support low-income drivers, but MoneyGeek found ways to help you save on car insurance costs in Colorado if you are a low-income driver.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.