Minimum car insurance in Colorado
Colorado requires car owners to buy only one type of auto insurance: Liability coverage. It pays for the damage and injuries you cause to others -- but only up the insurance limits you choose.
You can save money by buying only the state-required insurance, but you can still be sued for damage and medical bills that your insurance doesn't cover. Also, liability insurance doesn't pay for damage to your own car. Let's look at the Colorado car insurance options so you can buy the right coverage for you.
Minimum liability insurance in Colorado:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage per accident
This is usually written as 25/50/15.
Uninsured/underinsured motorist (UM/UIM) coverage:
Even when car insurance is required, many people drive without it. If one of them hits you, you can use your UM/UIM coverage for injuries to you and your passengers. In Colorado, auto insurers must offer UM and UIM but you can decline. If you do buy them, the minimum is 25/50 (meaning $25,000 per person/$50,000 per accident).
In Colorado you can also buy uninsured motorist property damage (UMPD) coverage, which pays for damage to your car from an uninsured driver. An alternative would be to buy collision coverage and use that for car damage from an uninsured driver.
More: Cheap car insurance in Colorado
Optional car insurance in Colorado
Comprehensive and collision coverage: For theft of your vehicle or damage caused by hitting another car, an object like a fence, an animal, hail, flood, fire, vandalism, falling objects and explosions.
Medical payments (MedPay): MedPay is not required in Colorado but insurance companies must offer at least $5,000 in MedPay. You can reject it. MedPay covers your medical expenses from a car accident no matter who was at fault, such as hospital and ambulance bills.
You must show your insurance ID card (or other proof of financial responsibility) in Colorado when:
- Law enforcement requests it
- You renew vehicle registration
- Your car is involved in an accident
Penalties for not having auto insurance in Colorado
- First offense: A minimum of a $500 fine
- Second offense within five years: $1,000 fee; potential imprisonment; potential minimum of 40 hours of community service
Source: Property Casualty Insurers Association of America
Consumer complaints against car insurance companies in Colorado
A national "complaint ratio" shows the number of complaints against a company relative to its size of business. Here are are national complaint ratios for the largest car insurance companies in Colorado.
Updated July 10, 2018
More:
Find a Colorado auto insurance agent
Alamose Car Insurance | Aspen Car Insurance | Brighton Car Insurance | Broomfield Car Insurance | Cañon City Car Insurance | Castle Rock Car Insurance | Commerce City Car Insurance | Cortez Car Insurance | Craig Car Insurance | Delta Car Insurance | Durango Car Insurance | Englewood Car Insurance | Erie Car Insurance | Evans Car Insurance | Firestone Car Insurance | Fort Lupton Car Insurance | Fort Morgan Car Insurance | Fountain Car Insurance | Frederick Car Insurance | Fruita Car Insurance | Glenwood Springs Car Insurance | Golden Car Insurance | Grand Junction Car Insurance | Gypsum Car Insurance | Johnstown Car Insurance | La Junta Car Insurance | Lafayette Car Insurance | Lamar Car Insurance | Littleton Car Insurance | Louisville Car Insurance | Loveland Car Insurance | Montrose Car Insurance | Parker Car Insurance | Rifle Car Insurance | Steamboat Springs Car Insurance | Sterling Car Insurance | Trinidad Car Insurance | Wellington Car Insurance | Wheat Ridge Car Insurance | Windsor Car Insurance | Woodland Park Car Insurance