Non-Owners Insurance in Colorado: Essential Guide for Drivers with No Car
Get peace of mind with A Plus Insurance. Contact us today for a free quote on non-owners insurance in Colorado and protect yourself with hassle-free coverage.
Required Liability Coverage in Colorado
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Colorado also requires insurers to include Uninsured Motorist Coverage in every policy unless the driver signs a rejection form to decline it.
Note: These are Colorado’s minimum liability requirements. Many drivers choose higher limits such as 100/300/100 to ensure stronger financial protection after an accident.
Understanding Non-Owners Insurance in Colorado: A Complete Overview
Non-owners insurance in Colorado provides liability coverage only. It protects you if you cause injury or property damage while driving a vehicle you do not own. It does not cover physical damage to the car, and it does not extend to rental cars. For rental vehicles, you must purchase coverage directly from the rental company.
Important: A Broad Form policy from Bristol West is separate from non-owners insurance. It may extend liability to short-term rental cars, but you must also buy the rental company’s vehicle damage coverage, and the rental period must be 30 days or less.
Rate Comparison for Non-Owners Insurance in Colorado
| Insurance Carrier | Estimated Monthly Rate | Coverage Type |
|---|---|---|
| Progressive | $35 | Liability Only |
| Dairyland | $30 | SR22 Compliance |
| Travelers | $38 | Liability Only |
| Gainsco | $33 | Non-Owner SR22 |
| Assurance America | $31 | Liability Only |
| National General | $34 | Liability with SR22 |
| Bristol West | $32 | Liability Only |
| Mendota | $36 | Non-Owner SR22 |
| The General | $37 | Liability Only |
| Suncoast | $39 | Liability Only |
Note: These are estimated rates and may vary based on personal factors.
Quick Tips for Non-Owners Insurance in Colorado
- Choose non-owners insurance if you drive occasionally but do not own a car.
- Coverage includes liability only, so review your policy carefully for any available add-ons.
- Compare rates from carriers like Progressive, Dairyland, and Travelers to find the best option.
- As an independent insurance brokerage, A Plus Insurance can compare policies from multiple companies to match you with the most suitable coverage.
Contact us today for a personalized quote, including options for SR-22 insurance in Colorado.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Who Benefits from Non-Owners Insurance in Colorado?
Non-owners insurance in Colorado is a smart option for several types of drivers:
- Frequent Borrowers ā If you often drive a family member’s or friend’s car, non-owners insurance provides liability protection for injuries and property damage you may cause.
- Occasional Drivers ā Even if you only borrow a car once in a while, this policy ensures you remain insured and maintain continuous coverage.
- Individuals Without a Vehicle ā If you don’t own a car but need to keep insurance active (for lower future rates or SR-22 requirements), non-owners insurance helps you stay compliant.
Note: Non-owners insurance does not cover rental cars. For rentals, you must purchase coverage directly from the rental company. A limited Broad Form policy, such as those offered by Bristol West, may extend liability to short-term rentals, but the rental period must be under 30 days and rental company coverage is still required.
Comparing Non-Owners and Regular Auto Insurance in Colorado
When comparing non-owners insurance in Colorado with regular auto insurance, it’s important to understand their differences. Non-owners policies are designed for drivers who do not own a vehicle but still need liability protection when borrowing or occasionally driving a car. These policies cover injuries and property damage you cause to others, but they do not include comprehensive or collision coverage for the car you are driving.
Regular auto insurance, on the other hand, is essential for vehicle owners. In addition to liability, it can provide comprehensive, collision, medical payments, and uninsured motorist protection, giving broader coverage for your own car as well as others on the road.
Choosing between these two options depends on your driving habits and whether you own a vehicle. Non-owners insurance is generally more affordable and best for occasional drivers without a car, while regular auto insurance is necessary for vehicle owners who need full protection.
Insurance Rate Comparison: Non-Owners vs. Regular Auto Insurance
| Insurance Carrier | Non-Owners Rate Estimate | Regular Auto Insurance Rate Estimate |
|---|---|---|
| Progressive | $35 | $60 |
| Dairyland | $30 | $55 |
| Travelers | $38 | $62 |
| Gainsco | $33 | $58 |
| National General | $34 | $60 |
Note: Rates are estimates and may vary depending on your driving record, location, and insurance carrier.
Key Takeaways
- Non-owners insurance is a cost-effective option for drivers who do not own a vehicle but still need liability protection.
- Regular auto insurance provides broader coverage, including liability, collision, and comprehensive for your own car.
- Rates can differ significantly between carriers, so comparing multiple quotes is the best way to find affordable coverage in Colorado.
Non-Owners Insurance Colorado Rates: Factors You Need to Know
Factors That Influence Non-Owners Insurance Rates in Colorado
- Driving History: Past accidents, traffic violations, and claims play a major role in determining your premium.
- Age and Experience: Younger or less experienced drivers often face higher rates due to increased risk.
- Coverage Limits: Choosing higher liability limits provides more protection but increases costs.
- Insurance History: Maintaining continuous coverage with no lapses can help you secure better rates.
- Credit Score: In Colorado and many other states, insurers may consider credit as a factor when setting rates.
- Location: Living in areas with high accident or theft rates can raise your premiums.
- Frequency of Driving: Even if you don’t own a car, how often you drive borrowed vehicles may affect your price.
- Insurance Carrier: Each company has its own underwriting rules and pricing for non-owners policies.
- Vehicle Type: The kind of vehicles you occasionally drive can impact what you pay for liability coverage.
- Additional Coverages: Adding extras such as roadside assistance can increase premiums.
Exploring these factors with A Plus Insurance can help you find the most affordable non-owners insurance plan in Colorado that fits your needs.
Non-Owners vs. Broad Form Car Insurance in Colorado: What’s the Difference?
Understanding the difference between non-owners insurance and broad form car insurance in Colorado is key to choosing the right coverage. While both policies focus on liability protection, they serve different purposes and driver situations.
Non-owners insurance is designed for individuals who do not own a car but still need liability coverage when borrowing or occasionally driving someone else’s vehicle. It provides liability protection only, meaning it covers injuries or property damage you cause to others, but not damage to the car you are driving.
Broad form car insurance, on the other hand, is a unique policy that insures one specific driver rather than a specific vehicle. It follows you across multiple vehicles you may drive, making it a flexible option for people who switch cars often. However, like non-owners insurance, it does not provide comprehensive or collision coverage.
Each type of policy has benefits depending on your situation. Non-owners insurance is best for drivers who don’t own a vehicle but still need coverage, while broad form insurance provides flexibility for vehicle owners who drive different cars.
Insurance Coverage Comparison: Non-Owners vs. Broad Form
| Coverage Aspect | Non-Owners Insurance | Broad Form Car Insurance |
|---|---|---|
| Vehicle Ownership | Not required | Owner of multiple vehicles |
| Coverage Type | Liability only | Flexible, varies per vehicle |
| Typical Users | Occasional drivers | Owners of multiple vehicles |
Note: Coverage details may vary by carrier and individual needs.
Key Points to Remember
- Non-owners insurance is best for drivers who don’t own a car but occasionally drive borrowed vehicles.
- Broad form insurance is ideal for individuals who own vehicles and frequently switch between them.
- Your choice should align with your driving habits and whether or not you own a vehicle.
As an independent auto insurance brokerage, we specialize in matching drivers across Colorado with the right coverage. Our team considers factors like driving history, vehicle use, and zip code to help you find the best policy at an affordable rate.
Whether you’re leaning towards non-owners insurance or broad form car insurance, we have options from carriers like Progressive, National General, and more. Connect with us for a personalized insurance quote!
Colorado Non-Owner Insurance: State Minimum Liability Requirements Explained
For non-owner insurance in Colorado, the state requires minimum liability coverage to meet legal standards. These minimums, often referred to as 25/50/15, ensure that drivers have sufficient protection when operating a vehicle they do not own.
- Bodily Injury Liability: At least $25,000 per person injured in an accident and $50,000 for all persons injured in a single accident.
- Property Damage Liability: At least $15,000 in coverage for damage to someone else’s property in an accident where you are at fault.
Meeting these minimums keeps you in compliance with Colorado insurance laws, but many drivers choose higher limits to provide stronger financial protection in the event of a serious accident.
Sample Comparison of Rates for Minimum Liability Coverage
| Insurance Company | Average Annual Premium | Coverage Limit |
|---|---|---|
| Progressive | $320 | State Minimum |
| Travelers | $340 | State Minimum |
| Dairyland | $310 | State Minimum |
| Assurance | $330 | State Minimum |
Remember, these figures may vary based on individual factors, but understanding Colorado’s minimum requirements is crucial when selecting non-owners insurance. At A Plus Insurance, we help drivers explore options that meet both state requirements and personal coverage needs.
While Colorado does not require Medical Payments (MedPay) or Uninsured/Underinsured Motorist (UM/UIM) coverage for non-owners insurance, adding these optional coverages is strongly recommended for extra protection:
- Medical Payments (MedPay) Coverage: Helps pay for medical expenses after an accident, regardless of who is at fault. It can cover medical bills for you and your passengers.
- Uninsured/Underinsured Motorist Coverage: Provides protection if you’re hit by a driver who has no insurance or not enough coverage. It typically covers medical expenses and, in some cases, property damage.
Tip: Adding MedPay and UM/UIM coverage can provide affordable peace of mind, especially since non-owners policies only include liability coverage by default.
Even though not compulsory, these additional coverages can be invaluable in safeguarding against unexpected expenses and situations on the road.
At A Plus Insurance, we can guide you through the benefits and options available for a comprehensive non-owners insurance policy in Colorado.
SR22 and Non-Owners Insurance in Colorado: Understanding the Complexities
SR22 non-owners insurance in Colorado is designed for drivers who are required to file an SR22 but do not own a vehicle. This policy provides liability coverage only, ensuring you meet state requirements if you cause injury or property damage while driving a car you don’t own.
It’s important to understand that the SR22 is not an insurance policy itself. it’s a state filing submitted by your insurance company to prove you have the required coverage. Without this filing, your driver’s license cannot be reinstated.
Rates for SR22 non-owners insurance can vary depending on your driving history, the reason for the SR22, and the insurance carrier. Some companies may specialize in high-risk drivers, while others may decline coverage. Comparing multiple quotes is the best way to find the most affordable option that meets your legal obligations.
It’s essential to compare options to find a policy that aligns with your needs and budget.
Estimated SR22 Non-Owners Insurance Rates in Colorado
| Insurance Carrier | Estimated Monthly Rate | SR22 Filing Included |
|---|---|---|
| Progressive | $45 | Yes |
| Dairyland | $50 | Yes |
| Travelers | $48 | Yes |
| Gainsco | $46 | Yes |
| National General | $47 | Yes |
Note: These are estimated rates and can vary based on your driving record, location, and insurer.
Key Insights
- Non-owners insurance with SR22 is essential if you don’t own a car but need to fulfill SR22 requirements.
- Rates differ among carriers, so comparing quotes is the best way to save.
- Make sure your policy meets all Colorado legal requirements for SR22 filings.
As a trusted auto insurance brokerage, we help drivers across Colorado navigate SR22 and non-owners insurance. With options from carriers like Progressive and Dairyland, we’ll match you with coverage that fits your needs and budget. Contact us today for a tailored insurance quote.
SR22 Insurance Process
01.
Consultationā
02.
Quote
03.
Filing
04.
Policy Management
Busting Myths: Common Misconceptions About Non-Owners Insurance in Colorado
When it comes to non-owners insurance in Colorado, there’s a fair share of myths floating around. Let’s set the record straight:
Myth 1: Non-Owners Insurance Covers Rental Cars
Truth: Non-owners insurance does not cover rental cars. If you need coverage for a rental vehicle, you must purchase protection directly through the rental company. The only exception is a Broad Form policy from Bristol West, which may extend liability to short-term rentals, but you still need to buy the rental company’s damage coverage, and the rental period must be 30 days or less.
Myth 2: Non-Owners Insurance Covers Damage to the Car You Drive
Truth: This type of policy only covers liability, meaning it protects you if you cause injury or damage to others. It does not pay for repairs to the car you are driving.
Myth 3: Only People Without a License Need Non-Owners Insurance
Truth: Non-owners insurance is for licensed drivers who don’t own a car but still drive occasionally. It’s commonly used for those needing an SR22 filing or drivers who frequently borrow cars.
- Remember, as a Colorado driver, it’s crucial to understand what non-owners insurance covers and how it can benefit you.
- If you’re in the market for this type of policy, reach out to us with your zip code for accurate information and a personalized quote.
- We work with reliable carriers to ensure you get the coverage that matches your unique driving needs.
When Insurers Decline Non-Owners Policies in Colorado: Key Scenarios
It’s uncommon, but some carriers may decline non-owners insurance in Colorado. Understanding the most frequent scenarios helps you avoid potential roadblocks when applying for coverage.
Key Reasons for Declination
- History of Serious Violations or Multiple Accidents: A record of DUIs, reckless driving, or multiple accidents signals higher risk, making insurers hesitant to provide coverage.
- Lapses in Previous Coverage: Continuous auto insurance is seen as a mark of responsibility. Frequent gaps in coverage can cause insurers to decline a policy.
- High-Risk Factors: Certain risks such as needing an SR22 filing or past DWI offenses may fall outside a company’s underwriting guidelines.
Options if You’re Declined
- Work with a Specialized Brokerage: Agencies like A Plus Insurance partner with multiple carriers, including those that offer high-risk non-owners policies.
- Get Personalized Guidance: An experienced agent can help match your situation with the right insurer and ensure compliance with Colorado’s requirements.
Conclusion
While non-owners insurance can sometimes be harder to obtain, it’s still accessible for most drivers. Contact us to explore your options and secure the liability coverage you need to stay legal and protected in Colorado.
Top 5 Cities in Colorado: Analyzing Non-Owners Insurance Rates
Denver’s Non-Owners Insurance Rates
As a central hub in Colorado, non-owners insurance rates in Denver can vary depending on the carrier and your driving profile. Major companies such as State Farm, Progressive, Dairyland, GEICO, and Auto-Owners typically offer annual rates ranging from $300 to $350 for state minimum liability coverage.
City-Specific Insights
Denver drivers also have access to competitive alternatives. Companies like Assurance and National General provide annual non-owners policies averaging between $280 and $330, giving residents multiple affordable options when shopping for coverage.
Sample Rate Comparison:
| Insurance Company | Average 6 mo. Premium |
|---|---|
| Progressive | $320 |
| Dairyland | $310 |
| Travelers | $330 |
| Assurance | $300 |
| National General | $320 |
These figures provide a clear comparison of non-owners insurance rates in Denver, helping drivers identify the most suitable coverage for their needs.
Working with A Plus Insurance makes the process even easier. Our team partners with top carriers across Colorado to find policies that align with your budget, driving history, and legal requirements, ensuring you get the right coverage at the best rate.
Colorado Springs: A Closer Look at Non-Owners Insurance Costs
Zooming in on Colorado Springs non-owners insurance rates, premiums reflect the city’s unique mix of urban living and natural surroundings. The area’s moderate traffic and strong commitment to road safety often help keep insurance costs relatively stable compared to larger metropolitan areas.
That said, every driver’s situation is different. Rates can vary based on factors such as your driving record, deductible choices, age, and other personal details. This makes comparing quotes across multiple carriers essential to finding the best rate in Colorado Springs.
Estimated Non-Owners Insurance Rates in Colorado’s Top Cities
| City | Insurance Carrier | Estimated Monthly Rate |
|---|---|---|
| Denver | Progressive | $47 |
| Colorado Springs | Dairyland | $42 |
| Aurora | National General | $44 |
| Fort Collins | The General | $40 |
| Boulder | Suncoast | $39 |
Note: These rates are estimates and may vary depending on your personal driving history, location, and insurer.
Key Points
- Non-owners insurance rates differ significantly across Colorado cities.
- Colorado Springs offers competitive pricing, often shaped by local traffic and driving conditions.
- Comparing rates from carriers like Progressive, Dairyland, and National General ensures you get the best deal.
Whether you live in Colorado Springs or another city in the state, A Plus Insurance can help you find the right non-owners policy. Contact us today for a personalized quote tailored to your needs.
Aurora’s Non-Owners Insurance Rates: Understanding the Local Market
Focusing on Aurora non-owners insurance rates, premiums are shaped by factors unique to this growing urban center. Aurora combines elements of both city driving and suburban environments, which impacts insurance costs differently than in rural or densely urban areas of Colorado.
When exploring non-owners insurance options in Aurora, it’s important to consider local factors such as traffic patterns, accident frequency, and carrier availability. These variables play a key role in determining your actual premium.
Note: Rates are estimates and may vary depending on individual driving history, coverage choices, and the insurance provider.
Key Takeaways
Non-owners insurance rates vary across Colorado’s top cities, including Aurora.
In Aurora, factors such as urban growth and traffic patterns play a major role in shaping premiums.
Comparing rates from carriers like Progressive, Dairyland, and National General is essential to finding the best coverage.
For personalized guidance and access to the most competitive non-owners insurance rates in Colorado, contact A Plus Insurance. Whether you live in Aurora or elsewhere in the state, we’re here to help you find the right policy for your unique needs.
Fort Collins: Non-Owners Insurance Rate Analysis
In Fort Collins, Colorado, non-owners insurance rates are shaped by the city’s unique lifestyle and demographics. Known for its vibrant college community and strong outdoor culture, Fort Collins presents a different risk environment compared to other cities in the state.
The mix of youthful drivers and a well-established cycling culture impacts how insurers assess risk. At the same time, Fort Collins’ relatively lower traffic congestion often works in favor of residents, contributing to more competitive non-owners insurance rates.
Boulder: Comprehensive Review of Non-Owners Insurance Rates
Boulder stands out in Colorado for its unique characteristics that influence non-owners insurance rates. With an outdoor-focused lifestyle and a large cycling community, Boulder experiences traffic patterns that differ from other Colorado cities. These factors contribute to unique risk assessments by insurers, which can result in varying premium costs for non-owners policies.
Exclusive Home and Auto Insurance Discounts for 2025
Colorado residents, including those in Boulder, can take advantage of exclusive 2025 insurance discounts when bundling home and auto coverage. Many carriers are offering expanded savings this year, including paperless billing, safe driver programs, and multi-policy discounts. Reviewing these opportunities with a licensed agent ensures you don’t miss out on potential savings.
Tips for Unlocking Exclusive Home and Auto Insurance Discounts in 2025
- Bundle Your Policies: Combine home and auto insurance to save up to 25%. Call us at 1.888.445.2793 to learn more about bundled savings.
- Enroll in Automatic Payments: Many carriers provide discounts for setting up autopay. Text us to check if you’re eligible.
- Renew Early: Secure discounted rates for 2025 by renewing your policy ahead of time. Call 1.888.445.2793 for assistance.
- Good Credit Discount: A strong credit score can help lower your premiums. Text us to explore your options.
- Home Security Upgrades: Installing security systems may qualify you for homeowners insurance discounts. Call 1.888.445.2793 for recommendations.
- Low Mileage Discounts: Driving less than 10,000 miles per year may earn you extra savings. Text us to check eligibility.
- Loyalty Rewards: Long-term customers could qualify for exclusive loyalty discounts. Call 1.888.445.2793 to verify your status.
- Defensive Driving Course: Completing a certified driving course can reduce auto insurance premiums. Text us for approved programs.
- Military Discounts: Active and retired military members may qualify for special rates. Call 1.888.445.2793 for details.
- New Homebuyer Savings: First-time homebuyers may access exclusive combined policy discounts. Text us to get started.
How to Get a Free Quote for Non-Owners Insurance in Colorado
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Frequently Asked Questions about Non-Owners Insurance Colorado Policies:
What is non-owners insurance in Colorado?
Non-owners insurance provides liability coverage when you drive a car you don’t own. It helps pay for injuries or property damage you cause while driving a borrowed or rented vehicle.
Who needs non-owners insurance in Colorado?
This policy is ideal for drivers who don’t own a vehicle but occasionally rent or borrow one, or for individuals who need to file an SR22 to reinstate their license.
Does non-owners insurance cover rental cars in Colorado?
Yes, non-owners insurance often provides liability coverage for rental vehicles, but it doesn’t cover physical damage to the rental car itself. For that, you may need coverage from the rental company.
How much does non-owners insurance cost in Colorado?
On average, non-owners insurance in Colorado costs between $23 and $43 per month. Your exact rate depends on your driving history, age, and the insurance company you choose.
Can I get SR22 non-owners insurance in Colorado?
Yes. Many insurance carriers in Colorado offer SR22 non-owners policies. These meet the state’s minimum liability requirements and are required if your license was suspended for violations such as DUI or driving uninsured.
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Last Updated on by Brian Muse