Colorado is a little different from most states because it is a no fault state.  This means that no matter who was at fault in an accident, expenses, including both medical and vehicle repair, will be paid by the drivers’ own insurance companies.  There are limits to this no fault policy, so if injury or damage exceeds a certain amount, the other driver can be brought into court and found responsible for costs incurred.  Since there are these exceptions, a liability policy is required for all Colorado drivers.

Q: “What is the minimum amount of auto insurance coverage that I need in Colorado?”

A liability policy will cover expenses for which the driver is deemed responsible.  Colorado is a 25/50/15 state.  This means that minimum liability coverage is $25,000 for single occupant driver, $50,000 for more than one occupant, and $15,000 for property damage.  Another part of coverage that is required in Colorado is personal injury protection, or PIP.  This coverage helps pay for any medical expenses of insured after an accident.  Comprehensive coverage is not required, but highly recommended.

Compare Colorado Car Insurance Rates Online

Colorado has auto insurance rates that are way above national average, however its never been easier to compare auto insurance quotes online.  At autoinsurancebystate.com you can get multiple quotes from the top auto insurance companies just by putting your zip code in.  In less than two minutes you can apply online and get instant quotes.  Just point and click!

Current Providers in Colorado

For More Information

The Colorado Department of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
Phone: (800) 930-3745