By Lauren McKenzie | Licensed Agent/CSR at Learnandserve.org | Powered by A Plus 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.

The minimum limits Limits Required :

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage

Optional Coverages offered by the State :

Uninsured Motorist Bodily Injury Protection & Property Damage

Medical Payments

COLORADO CAR INSURANCE FULL COVERAGE CALCULATOR

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

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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

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

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.

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Last Updated on March 30, 2023 by