Car Insurance Quotes Colorado | Colorado Car Insurance

Common questions about Colorado auto insurance

Need car insurance in Colorado? Whether you live in Colorado Springs, Denver, or anywhere in the Great Centennial State, Liberty Mutual Insurance can help you save you in car insurance! From responsibility protection to comprehensive coverage, we customize your Colorado auto insurance, so you only pay your needs.

What car insurance is needed in Colorado?

In Colorado, it is illegal to drive without insurance. Must have car insurance for drivers in Colorado

  • Bodily injury to others
  • Property loss
  • Insurance Motorcycle Body injury
  • Medical payment

Drivers in Colorado have minimal auto insurance limits

Bodily Injury to others$25,000 per person and $50,000 per accident
Property Damage Liability$15,000 per accident
Uninsured Motorist Bodily Injury Coverage$25,000 per person and $50,000 per accident
Medical Payments$5,000

What liability insurance is required in Colorado?
Colorado law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It’s important to know this coverage doesn’t cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum auto insurance requirements of

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $15,000 per accident

You may see this written as 25/50/15.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection

What is the average cost of car insurance in Colorado?

The average cost of car insurance in Colorado was $1,6872 in 2021 according to That’s 10% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual could save you money on Colorado auto insurance with a customized policy, so you only pay for what you need.

What is “full coverage” auto insurance in Colorado?
The term “full coverage” auto insurance can mean different things to different people. That’s because there’s no set standard or type of coverage.

In general, “full” auto coverage car insurance refers to having coverages for

  • Liability (usually includes Bodily Injury and Property Damage)
  • Comprehensive
  • Collision

“Full coverage” may also include

  • Uninsured Motorist
  • Gap Insurance
  • 24-Hour Roadside Assistance

Colorado car insurance coverage what is right for you?

All the drivers of Colorado must have the minimum auto insurance coverage of the state. But, based on your budget and requirements, you want to consider high limitations of more protection. We will help you customize your Colorado car insurance that fits you. See all our auto coverage options.

What’s the best car insurance in Colorado?

Liberty Mutual knows that everyone has different needs for their Colorado auto insurance. Some may want the cheapest Colorado car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Colorado car insurance, so you only pay for what you need.

Who has the cheapest car insurance in Colorado?

It may be great to get the cheapest car insurance in Colorado, but when you need the most, it can come at a cheaper rate price. You want auto insurance that is cheap, but even more importantly – reliable, if you have an accident.

The Liberty Mutual Auto Insurance Policy can cost less than you think

$817 lower than GEICO
$731 lower than Progressive
$839 lower than State Farm
$758 lower than Allstate

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