Cheap Car Liability Only Insurance — Denver

Minimum-legal coverage at a budget price… same-day proof, friendly help, and options you can upgrade anytime.

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What we quote

Liability-only auto, non-owner, and quick proof for DMV or dealer across the Denver metro. We compare multiple carriers so you don’t overpay.

See trade-offs in our auto insurance comparison.

Denver price drivers

ZIP, annual miles on I-25/I-70/US-36, prior insurance continuity, violations, and vehicle age all impact liability-only quotes.

Start today

Have license numbers, VINs, address, and prior policy handy… we bind and email ID cards the same day.

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Get a cheap liability-only quote in minutes

We'll shop multiple carriers, apply discounts, and send your ID cards fast.

📞 Call 1-888-445-2793 ⚡ Get a quote

Colorado minimum liability limits (Denver)

Liability

25/50/15 — $25k bodily injury per person, $50k per accident, $15k property damage.

UM/UIM offered

Uninsured/Underinsured Motorist must be offered at your BI limits… you can reject in writing.

MedPay offered

Medical Payments is offered by default (commonly $5,000)… you may opt out in writing.

Raising liability limits often costs less than expected… ask for 50/100/50 or 100/300/50 comparisons.

Liability-only vs adding extras

Liability-only

  • Meets Colorado 25/50/15 minimums
  • Cheapest legal option
  • Does not repair your car

Optional UM/UIM

  • Protects you from drivers with no/low limits
  • Usually matches your BI limits
  • Can be declined in writing

Optional MedPay

  • Pays immediate medical bills
  • Default offer often $5,000
  • Can be declined in writing

Denver drivers… quick ways to keep liability-only cheap

For Denver commuters along I-25 and I-70, the simplest way to lower liability-only quotes is to keep prior insurance active, list all household drivers, and verify mileage honestly. Telematics programs reward smooth acceleration and consistent braking, which helps when traffic stacks near the Mousetrap. If you don’t own a car but borrow or rent, a non-owner policy can satisfy state requirements at a low price point. Paid-in-full and paperless often stack with multi-car. If you’re comparing policies, review our auto insurance comparison to see how 25/50/15 differs from 50/100/50 and 100/300/50. Need proof for a dealer today… or want to upgrade later with UM/UIM or MedPay? Start online with our quote form or call — we’ll shop multiple carriers in one pass, then email ID cards the same day. For broader context, explore our auto insurance guide, or begin your quote now.

Get a quote Call 1-888-445-2793

Denver Liability-Only — Frequently Asked Questions

How do I find the cheapest liability-only quote in Denver?
Shop multiple carriers at once, keep driver/vehicle details accurate, and compare 25/50/15 vs 50/100/50 pricing. We handle the shopping and send the best options.

Is calling faster than a form?
Often yes… a quick call lets us verify discounts and bind immediately. Call us or start online.

Can you email ID cards same day?
Yes… we bind and send electronic ID cards within minutes after payment — perfect for DMV or dealer visits.

Do Denver neighborhoods affect price?
Yes… garaging ZIP, theft rates, and commute corridors (I-25, I-70, US-36) influence premiums even for liability-only.

Why did my quote change at bind?
Tickets, undisclosed drivers, or a different garaging address can update rates. We confirm everything before binding.
Get a quote Talk to an agent

What is the Colorado minimum liability?
25/50/15 — $25k per person BI, $50k per accident BI, $15k PD.

Is UM/UIM required?
No… but it must be offered at your BI limits. Many Denver drivers keep it for protection from underinsured motorists.

Is MedPay required?
No… it’s offered by default (often $5,000). You can opt out in writing.

Does liability-only fix my car?
No… liability pays others if you’re at fault. To repair your car, add collision/comprehensive — see coverage comparisons.

Can I raise limits later?
Yes… upgrade from 25/50/15 to 50/100/50 or 100/300/50 any time; we’ll update your ID cards immediately.
Call for quick options See prices

What discounts still apply to liability-only?
Continuous insurance, multi-car, homeowner, telematics, paid-in-full, and paperless often apply even on minimum coverage.

Is liability-only always the cheapest?
Yes for legal compliance… but adding UM/UIM or MedPay can be an inexpensive upgrade with meaningful protection.

Do miles driven matter?
Yes… annual mileage and commute type affect price even without comp/collision.

Can teens use liability-only?
Yes for paid-off cars. Good Student and Driver Training discounts can help — see our auto insurance guide.

Will a single ticket spike rates?
Minor violations can raise price; the impact fades over time. We can reshop at renewal to keep costs in line.
Get my best rate Speak to a person

Can you text my ID cards to a dealer?
Yes… we can email and text cards right after payment posts.

What happens after an at-fault crash with liability-only?
Your policy pays others up to your limits for injuries/property damage. Your own car isn’t covered without collision.

How do I switch mid-term without a lapse?
Bind the new policy first, then cancel the old one for the same date. We’ll coordinate so there’s no gap.

How soon can I cancel if I sell the car?
Any time… send sale proof and we’ll process the change and any refund if applicable.

Can I add roadside assistance to liability-only?
Often yes as an optional add-on. Availability varies by carrier.
Call for help Start online

Can I get non-owner liability in Denver?
Yes… ideal if you borrow/rent but want state-legal liability. Learn more about non-owner insurance.

Do I need a rideshare endorsement?
If you drive for TNCs, consider a rideshare endorsement to fill Period-1 gaps. Requirements vary by carrier.

Is Mexico coverage relevant from Denver?
To drive in Mexico you need Mexico-issued liability. U.S. policies typically don’t satisfy Mexico law; short-term policies are available.

Can I insure a salvage-title vehicle liability-only?
Often yes for liability-only; comp/collision may be restricted. We’ll place you with a carrier that allows it.

What if I need an SR-22?
We can attach an SR-22 to your liability policy and file it with the state. See our SR-22 info.

Does liability-only work with a car loan?
No… lenders usually require full coverage. Keep liability-only for paid-off vehicles or when you’re highly budget-sensitive.

Can I add rental reimbursement?
Typically tied to comp/collision. Some carriers allow rental with liability-only — availability varies; ask us to check.

What about SR-22 removal later?
When eligible, we remove the filing and reshop to cut costs. See SR-22 timelines.

Can I keep liability-only and add UM/UIM?
Yes… many Denver drivers do exactly that for stronger protection while staying budget friendly.

How do telematics programs help?
Safe-driving apps can lower premiums by measuring real-world habits like smooth braking and low late-night mileage.

Need proof today?

Bind now, receive electronic ID cards, and add UM/UIM or MedPay later if you want.

📞 Call 1-888-445-2793 ⚡ Get a quote
Denver neighborhoods & ZIPs we serve
Capitol Hill 80203Five Points 80205Highlands 80211Sunnyside 80211LoDo 80202Cherry Creek 80206Washington Park 80209University 80210Montbello 80239Green Valley Ranch 80249Central Park 80238Harvey Park 80219Athmar Park 80223Park Hill 80207Baker 80223Gateway 80249City Park 80206

Ready for a cheap liability-only quote in Denver?

We’ll compare carriers, bind quickly, and email ID cards the same day… upgrade any time.

Get a quote Call 1-888-445-2793

Last Updated on by Shawn Christie

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