COLORADO CAR INSURANCE MINIMUM REQUIREMENTS BY LAW
2023 colorado car insurance
Colorado requires drivers all drivers to obtain at least the State Minimum Liability Limits in order to register a vehicle in the State of Colorado. The liability limits that are required are a starting point for drivers. Drivers may choose to increase their liability limit to greater, and/or add additional coverages to their insurance policy.
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Liability Insurance will cover you for any damages you are found liable for in the event of an accident. Drivers looking for insurance on an older vehicle, or just looking for the bare minimum requirements can opt for liability coverage only. Liability is generally lower than the cost of full coverage insurance, and will only protect others from you in the event of an accident. Some sample liability costs are :
Progressive Insurance
$86
The General
$91
Acceptance RTR
$93
Dairyland
$100
USAA
$101
Geico
$103
National General
$104
Mendota Ins. Company
$106
AssuranceAmerica
$108
Allstate
$137
Travelers
$138
Bristol West
$142
Liberty Mutual
$147
Nationwide
$149
21st Century
$150
Colorado Car Insurance Liability
CAR INSURANCE COLORADO CHEAP FULL COVERAGE RATES
Full coverage car insurance will protect the vehicle in the event of an accident, or claim regardless of fault. Full coverage generally runs a little bit more expensive than liability insurance, because you have a lot more coverage for the vehicle with full coverage.
Some drivers may be required to carry full coverage insurance if they are financing a vehicle and have a lienholder. Even if you purchase a newer vehicle outright, that may not require full coverage, it is good to have for newer vehicles in the event of an accident or claim.
$132
National General
$143
Progressive Insurance
$146
Travelers
$148
Bristol West
$148
State Farm
$151
Farmers
$154
21st Century
$156
USAA
$161
Liberty Mutual
$163
AssuranceAmerica
$164
Mendota Ins. Company
$165
American Family
$168
GAINSCO
$169
Geico
$173
Allstate
$181
Acceptance RTR
$184
Safeco
$186
The General
$188
Nationwide
$209
Dairyland
$218
State Auto
Colorado Car Insurance Full coverage rates
AFFORDABLE FULL COVERAGE – DISCOUNTS
Savings on Colorado Auto Insurance is a concern for a lot of drivers. Who wants to pay more than they need to? Insurance companies base insurance premiums on several rating factors such as the location of the driver, age/gender, marital status, and the type of vehicle they are looking to insure. Aside from these rating factors, there are other discounts that are automatically factored into the insurance premium that you may not know about.
Bundled Discount
Early Renewal
Multi Car
Good Student
Home- Owner
Senior
Accident-Free
Good/Safe Driver
Low Mileage
Defensive Driver course
Anti theft
Anti Lock Breaks
Auto Pay
Pay In Full
Paperless
Continuous Insurance
Military
Education Discount
Occupation
Driver Training
COLORADO FULL COVERAGE OPTIONS
Insurance policies can be very customizable, meaning you only have to pay for the coverages you need. If you need, or desire full coverage car insurance but are not interested in any extras, such as roadside assistance, you can just opt for the most basic full coverage insurance policy. Some common full coverage insurance options are :
Comprehensive coverage
If your car is damaged or totaled due to an event out of your control (theft, vandalism, fire, glass breakage, hitting an animal, or weather-related issues)
Collision coverage
Collision coverage can pay to repair or replace your vehicle, minus your deductible, if your vehicle collides with another vehicle or object— regardless of fault.
Loan/lease payoff coverage
Loan/lease payoff coverage, also known as Gap Insurance, can cover the difference between what you owe on your vehicle loan and what the vehicle was worth before it was totaled.
Rental car reimbursement
If you’re involved in a covered accident and unable to drive your vehicle, rental car reimbursement coverage can reimburse you for the cost of a rental car while your vehicle is being repaired up to the selected limit.
Roadside assistance
Roadside includes battery jumps, winching, gas delivery, locksmith services, flat tire changes, and more. Coverages will vary based on your Insurance provider.
I thought that Jolla went out of her...read moreI thought that Jolla went out of her way to try and help me.thank you so much.read less
Thomas E.
7/21/2020
The websites asks you a million questions then...read moreThe websites asks you a million questions then takes you to some random other insurance companies and gives you quotes that don’t even match any of the information I put in and they ask for.read less
Mia C.
11/21/2021
Cameron was great and very helpful during the process.
Isaako M.
4/14/2023
Lauren saved me a few hundred dollars at...read moreLauren saved me a few hundred dollars at my 6 month renewal. She was kind and helpful, makes the process easy for people that don’t want to spend time comparing quotes from all possible options.
Insurance policy notes: 2017 Subaru Forester with quality coverage for less cost on the renewal with an internal rewrite. Other products offered: Renter insurance, motorcycle insurance, and boat insurance. read less
Nathan W.
6/30/2022
Crystal does great everytime I wouldn't want anyone...read moreCrystal does great everytime I wouldn't want anyone else! She really is amazing and has always been available. I won't go through anyone else and if I have to I don't know what I would do lol. Very good agentread less
Evan P.
3/01/2023
Marlon was amazing! Super helpful, and kept everything...read moreMarlon was amazing! Super helpful, and kept everything very simple, and actually tried to get me the lowest rate! Most places just say that and don’t really do it. I’ll be recommending this place to anyone lookin for insurance!read less
Chris G.
2/02/2023
Very easy, fast and efficient
Sheila M.
7/21/2020
Awesome experience! Got coverage for TWO vehicles over...read moreAwesome experience! Got coverage for TWO vehicles over the phone in about 30 minutes.read less
Mr. L.
7/21/2021
Huge thanks to Lauren. Extremely helpful, knowledgeable, patient,...read moreHuge thanks to Lauren. Extremely helpful, knowledgeable, patient, and professional!read less
Jess W.
8/21/2021
Jola is awesome walked me through the process...read moreJola is awesome walked me through the process to find the best prices for auto insuranceread less
Food 4.
7/21/2019
This agent was amazing
Jessica D.
1/20/2023
I spoke with Alexandra on the phone, she...read moreI spoke with Alexandra on the phone, she was professional and kind and efficient, and answered any questions I had with tact and confidence.read less
Kyphi A.
12/22/2022
Marlon has been so helpful... answered my million...read moreMarlon has been so helpful... answered my million questions and was a pleasure to work with. I had been shopping around online for rates and getting so many calls a day from insurance companies. He was also able to save me the most money over any other carriers. A Plus insurance will compare rates from multiple insurance companies to find you the best rate. Even better... you get to talk to an actual person instead of putting your info online and getting 50 spam calls a day! Thank you Marlon and A Plus Insurance!read less
Jennifer B.
10/31/2022
Mr. Marlon took his time to find me...read moreMr. Marlon took his time to find me the best rates.He was also and answered all my questions I had. Thank you Mr. Marlon!read less
Brittney N.
2/08/2023
So helpful thank you very much
andre t.
7/14/2022
Lauren was great to work with. I found...read moreLauren was great to work with. I found her to be very patient and helpful as we worked through the best coverage for the right price. I like that one place will check with several companies for the best price, certainly makes insurance shopping easier. Great experience and would definitely recommend to others. Thanks Lauren.read less
RJ K.
7/21/2021
Jola was extremely helpful and assisted me with...read moreJola was extremely helpful and assisted me with everything I needed.read less
Justin L.
7/21/2021
Lauren was awesome, cool, collective and to the...read moreLauren was awesome, cool, collective and to the point with all the information I needed to get the process completed aswell as getting me some pretty appealing qoutes.Ty very much!read less
Lee S.
7/21/2021
Marlon, was very helping, great customer service couldn't...read moreMarlon, was very helping, great customer service couldn't ask for a better person to help me get insuranceread less
Trent M.
3/02/2023
Lauren was a really great help during the...read moreLauren was a really great help during the entire process from beginning to end! Very professional and quick. 10/10 recommendread less
kaneisha j.
7/14/2022
I had two agents work on my claim....read moreI had two agents work on my claim. I told them I had to have insurance by 5 pm. My original agent, Crystal, left and handed it off to Jola, who finished it. I'm very pleased and thankful. They found me the cheapest rate and called back when they said they would and we did it all by phone. They walked me through it.read less
Kenneth E.
7/21/2019
Sy was great!
godfrey h.
7/21/2020
Jola was so great at helping me! She...read moreJola was so great at helping me! She didn’t mind how much I wanted to compare the prices on things and was so kind and patient through a few bumps in the road we had during the process! Really felt taken care of, thank you!read less
Stephanie S.
7/21/2021
The agent Cameron who assisted me, was one...read moreThe agent Cameron who assisted me, was one of the most pleasant & genuine agents I've had the pleasure of working with. He was very knowledgeable and represented his company to the fullest.read less