Who has the cheapest liability-only car insurance in Colorado? In 652 real liability-only quotes our agents ran for Colorado drivers in 2026, The General had the lowest median at $80/month, then Progressive ($82), Mendota ($89), GEICO ($99), Dairyland ($117), National General ($120), and Bristol West ($129). Colorado minimum is 25/50/15. Full table below by record and age.
Cheapest Liability-Only Car Insurance in Colorado: 652 Real Quotes Compared
The General · Progressive · Mendota · GEICO · Dairyland · National General · Bristol West
Liability-only is the legal minimum in Colorado: 25/50/15 plus the uninsured motorist and MedPay offers you can reject in writing. It is the right choice for an older paid-off car and a tight budget, and it is where budget carriers compete hardest. These are the medians from our 2026 Colorado liability-only quotes, next to how the same carriers price full coverage and higher-risk drivers.
Medians of real quotes our licensed agents ran in 2026. Different drivers were quoted with different carriers, so these are population comparisons, not the same driver priced twice. Your rate will vary.
Cheapest liability-only in Colorado, by situation
Clean record, state minimum
The General ($80/mo median, 50 quotes) and Progressive ($82/mo, 272 quotes) were nearly tied. Progressive is the better long-term home because it also writes full coverage when you upgrade cars.
Violations or a lapse
Mendota ($89/mo, 39 quotes) and Dairyland ($117/mo, 49 quotes) specialize in minimum limits for drivers rebuilding a record, and both take SR22 filings.
Higher limits than minimum
If you want 100/300/100, Progressive and GEICO ($99/mo) price the step up most reasonably; the budget carriers charge steeply for limits above minimum.
Colorado median monthly premium by carrier, liability-only row in context
Median monthly premium by driver segment, from 1,642 real quotes our agents ran for Colorado drivers from January through May 2026. Lowest median in each row is highlighted. Segments with fewer than 8 quotes for a carrier are marked “too few” rather than shown.
| Driver segment | The General | Progressive | Mendota | GEICO | Dairyland | National General | Bristol West |
|---|---|---|---|---|---|---|---|
| All quotes | $91/mo 68 quotes · avg $162 | $147/mo 619 quotes · avg $178 | $93/mo 55 quotes · avg $125 | $193/mo 28 quotes · avg $200 | $166/mo 89 quotes · avg $250 | $244/mo 248 quotes · avg $295 | $221/mo 366 quotes · avg $240 |
| Liability only | $80/mo 50 quotes · avg $96 | $82/mo 272 quotes · avg $100 | $89/mo 39 quotes · avg $96 | $99/mo 10 quotes · avg $114 | $117/mo 49 quotes · avg $136 | $120/mo 99 quotes · avg $136 | $129/mo 133 quotes · avg $148 |
| Full coverage | $272/mo 18 quotes · avg $344 | $219/mo 326 quotes · avg $244 | $186/mo 12 quotes · avg $238 | $232/mo 18 quotes · avg $248 | $348/mo 37 quotes · avg $325 | $331/mo 141 quotes · avg $411 | $264/mo 226 quotes · avg $299 |
| Clean record (no accidents, tickets, or DUI) | $88/mo 63 quotes · avg $159 | $145/mo 499 quotes · avg $175 | $95/mo 37 quotes · avg $107 | $232/mo 14 quotes · avg $225 | $147/mo 80 quotes · avg $233 | $253/mo 185 quotes · avg $309 | $221/mo 310 quotes · avg $244 |
| Accidents, tickets, or DUI on record | too few (5 quotes) | $172/mo 120 quotes · avg $193 | $93/mo 18 quotes · avg $162 | $179/mo 14 quotes · avg $175 | $269/mo 9 quotes · avg $399 | $199/mo 63 quotes · avg $253 | $209/mo 56 quotes · avg $219 |
| SR22 filing required | $73/mo 9 quotes · avg $75 | $99/mo 37 quotes · avg $132 | $89/mo 13 quotes · avg $93 | too few (0 quotes) | $140/mo 14 quotes · avg $158 | $105/mo 24 quotes · avg $131 | $298/mo 11 quotes · avg $275 |
| No prior insurance | $86/mo 53 quotes · avg $152 | $123/mo 344 quotes · avg $153 | $91/mo 46 quotes · avg $117 | $165/mo 16 quotes · avg $161 | $134/mo 46 quotes · avg $246 | $160/mo 119 quotes · avg $230 | $151/mo 130 quotes · avg $174 |
| Currently insured | $215/mo 15 quotes · avg $194 | $202/mo 275 quotes · avg $209 | $144/mo 9 quotes · avg $169 | $248/mo 12 quotes · avg $252 | $184/mo 43 quotes · avg $255 | $324/mo 129 quotes · avg $354 | $262/mo 236 quotes · avg $276 |
| Drivers under 25 | $342/mo 13 quotes · avg $397 | $206/mo 91 quotes · avg $239 | $142/mo 12 quotes · avg $164 | too few (4 quotes) | $289/mo 10 quotes · avg $308 | $266/mo 27 quotes · avg $300 | $194/mo 29 quotes · avg $232 |
| Drivers 25 to 39 | $86/mo 28 quotes · avg $117 | $138/mo 222 quotes · avg $170 | $89/mo 20 quotes · avg $125 | too few (6 quotes) | $163/mo 40 quotes · avg $235 | $244/mo 119 quotes · avg $279 | $199/mo 129 quotes · avg $221 |
| Drivers 40 to 59 | $84/mo 20 quotes · avg $104 | $140/mo 199 quotes · avg $166 | $89/mo 16 quotes · avg $105 | too few (7 quotes) | $127/mo 26 quotes · avg $190 | $258/mo 63 quotes · avg $331 | $221/mo 142 quotes · avg $243 |
| Drivers 60 and over | too few (3 quotes) | $141/mo 55 quotes · avg $165 | too few (1 quotes) | too few (2 quotes) | $66/mo 9 quotes · avg $114 | $325/mo 19 quotes · avg $402 | $236/mo 51 quotes · avg $276 |
Quotes are what carriers offered, not what every driver bought. “Clean record” means zero accidents, zero violations, and no DUI in the quote. Age bands use the primary driver’s age. How we collect quote data →
Where each carrier came out cheapest
- The General had the lowest median for: all quotes, liability only, clean record (no accidents, tickets, or dui), sr22 filing required, no prior insurance, drivers 25 to 39, drivers 40 to 59.
- Progressive did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Mendota had the lowest median for: full coverage, accidents, tickets, or dui on record, currently insured, drivers under 25.
- GEICO did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Dairyland had the lowest median for: drivers 60 and over.
- National General did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Bristol West did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
Two things to notice. First, the budget carriers (The General, Mendota, Dairyland) win the liability-only row but lose badly on full coverage, so the cheapest liability carrier is often the wrong choice the moment you finance a vehicle. Second, Bristol West and National General are quoted for liability-only mostly when a driver has a lapse or violations, which is why their liability medians look high; they are not overpriced for a clean-record driver so much as quoted for a harder group.
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What else separates them
The General
Cheapest liability-only median in our Colorado data. Minimum-limits specialist, SR22 friendly, files electronically.
Progressive
Nearly tied for cheapest, with the most quotes and the widest range of coverage when you need more later.
Mendota
Non-standard minimum-limits carrier for drivers with violations.
GEICO
Competitive for clean records; small sample through agents.
Dairyland
SR22 and non-owner specialist with monthly pay plans.
National General
Quoted mostly for drivers with lapses; mid-tier pricing.
Bristol West
Better for young drivers and full coverage after a lapse than for minimum limits.
Colorado Liability-Only Questions
Colorado Liability-Only Questions
6 QuestionsWhat is the cheapest liability-only car insurance in Colorado?
In our 2026 quotes, The General at $80/month median and Progressive at $82/month, followed by Mendota ($89) and GEICO ($99).
What are Colorado’s minimum liability limits?
25/50/15: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Carriers must also offer uninsured motorist coverage and MedPay, which you can reject in writing. We recommend keeping uninsured motorist coverage.
Is liability-only enough in Colorado?
It satisfies the law, but it pays nothing for damage to your own car. For a paid-off car worth a few thousand dollars it is often the right call; for anything financed, leased, or newer, lenders and common sense both point to full coverage.
Can I get liability-only with an SR22 in Colorado?
Yes. The General, Mendota, Dairyland, and Progressive all file SR22 on liability-only policies. See our cheapest SR22 in Colorado comparison.
Are these rates what I will pay?
No. They are medians of real quotes for many different Colorado drivers. Your ZIP code, vehicle, credit, coverage limits, deductible, and driving history will move your rate above or below these numbers. The table tells you which carriers to compare first.
How often do these numbers change?
We update the dataset monthly as new quotes come in, and carriers refile Colorado rates several times a year. We re-shop at every renewal at no charge.
How this comparison was built
Every number on this page comes from quotes our licensed agents ran for Colorado drivers between January and May 2026 (1,642 quotes across seven carriers), stored in our first-party quote dataset. A quote is what the carrier offered; it is not a policy sold. Medians are used so a few very high-risk quotes do not distort the picture. Different drivers were quoted with different carriers, so this is a population comparison. Segments with fewer than 8 quotes for a carrier are shown as “too few.” Full methodology: How we collect quote data.
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- Progressive vs Bristol West in Colorado
- Colorado Car Insurance Guide
Last Updated on by Shawn Christie