How much is car insurance in Colorado?

In 2020-2021, the average car insurance cost in Colorado was $89 per month * for a liability-only auto policy (single driver/single car) from Progressive. Rates vary based on factors like your driving history, ZIP code, and coverage selections.

Are there any discounts available to drive down the cost of my car insurance?

To help you get cheaper car insurance in Colorado, Progressive offers an array of discounts, including: Multi-policy Multi-car Homeowner Paid in full Smart technology Three-year safe driving Paperless Teen driver

Is Colorado an at-fault state?

Yes, Colorado is an at-fault state, which means the driver responsible for an accident is responsible for the other party's injuries and property damage. That's why Colorado drivers must carry bodily injury and property damage liability coverage.

How do I lower my car insurance in Colorado?

You may lower your rate by choosing coverage limits and deductibles that fit your needs, maintaining a clean driving record, qualifying for discounts, and bundling policies. Reviewing your policy regularly and comparing quotes can also help you find the best price on car insurance.

Is auto insurance required to register a car in Colorado?

Yes, Colorado requires drivers to carry at least the state's minimum liability coverage to register and operate a vehicle. You'll need to show proof of insurance when you register your car.

What happens if you drive without insurance in Colorado?

According to the Colorado DMV , driving without a valid insurance policy is a class 1 misdemeanor under state law. A first offense carries a fine of at least $500, up to 4 points on your driving record, and a license suspension that stays in effect until you're insured. A court may add up to 40 hours of community service. Penalties escalate with each offense.

Colorado car insurance

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Getting car insurance in Colorado starts with understanding the state's coverage requirements and what factors can affect your rate. Colorado is an at-fault state, and its mountain highways, winter storms, and frequent hail give drivers a different set of risks to plan for.

Progressive helps Colorado drivers navigate these factors with flexible coverage options and transparent pricing. Get started with the Name Your Price® tool, the easiest way to see which coverages fit your budget.

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Required coverages
Discounts
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What are the minimum auto insurance requirements in Colorado?

Colorado currently requires drivers to carry the following minimum coverages and limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$25,000 in bodily injury per person $50,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$15,000 per accident

Colorado also requires insurers to offer uninsured/underinsured motorist (UM/UIM) bodily injury coverage, but you can reject it in writing with a signed form.

Coverage	What it covers	Minimum amount
Uninsured/underinsured motorist bodily injury	Injuries caused by a driver with too little or no insurance	$25,000 per person $50,000 per accident
Uninsured/underinsured motorist property damage	Damage to your property caused by a driver with too little or no insurance	$15,000 per accident

Colorado's minimum coverage limits may not go far if you're at fault in a serious accident, so higher limits may offer better financial protection. See how much car insurance you may need for your situation.

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Car insurance discounts in Colorado

Discounts can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Colorado drivers get a better deal on car insurance. Popular discounts available in Colorado include:

Multi-policy
Save when you have two or more policies with Progressive. For instance, bundling your auto and home insurance can earn you a discount on one of them.
Multi-car
Save when you list more than one vehicle on your policy. You can add a car kept at your address that belongs to a spouse, family member, or roommate.
Three-year safe driving
Drivers who go three years without an accident or violation can earn a discount that rewards a consistent, safe driving record.

What is the average cost of car insurance in Colorado?

Car insurance costs an average of $103.45 per month in Colorado for a liability-only policy from Progressive in 2025.^† That amount is based on one vehicle and one driver, and your premium will vary with coverages and limits you choose. Your rate also depends on factors unique to you, including where you live, your driving history, and the discounts you qualify for.

Factors that impact your auto insurance rate in Colorado

Many factors can impact how much you pay for auto insurance in Colorado, including:

Driving history: Tickets, accidents, and prior claims can affect your rate.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your price.
Location: Traffic density, mountain roads, and local weather risks in your area can influence rates. Front Range commutes and high-country passes present different driving conditions across the state.
Weather and environmental risks: Colorado experiences frequent hail, winter storms, and wildlife on the roads, all of which raise the likelihood of damage and claims.
Uninsured drivers: Colorado has a higher rate of uninsured drivers than many states, which can add to overall costs.
Coverage choices and deductibles: The coverages you select, your limits, and your deductible amounts affect your premium.

Recommended additional auto insurance coverages in Colorado

Colorado requires bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages offers extra protection, can help fill gaps in your policy, and gives you peace of mind:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Collision	Cost to repair your vehicle if it overturns or collides with another vehicle or object

Colorado driving resources

Learn more about Colorado's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

Colorado Division of Motor Vehicles (DMV): Find official information on driver licensing, vehicle registration, and other services for Colorado drivers.
Colorado Department of Transportation (CDOT): Review statewide road safety information, including winter driving rules like the Traction Law and Passenger Vehicle Chain Law.
Colorado driving FAQs: Get answers to common questions about Colorado's licensing, identification, and driving requirements.

How to get car insurance in Colorado with Progressive

Progressive makes it easy for Colorado drivers to compare coverage options and get a competitive auto insurance quote.

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