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Colorado Auto Insurance Facts

We’ll make you feel more prepared driving in Colorado.

The state minimum auto insurance coverage in Colorado:

Liability Coverage

Minimum

Description

Bodily Injury Per Person $25,000 Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $15,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

 

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

 

Other types of auto insurance you can add to your policy are:

 

UNINSURED/UNDERINSURED MOTORIST

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

 

COLLISION COVERAGE

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

 

COMPREHENSIVE COVERAGE

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

 

MEDICAL PAYMENTS

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

 

PERSONAL INJURY PROTECTION (PIP)

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

MAX SPEED LIMIT
75 MPH
MILES OF HIGHWAY
184,289
DUI LEGAL LIMIT
0.08
WEIRD DRIVING LAWS IN STATE

WEIRD DRIVING LAWS IN STATE

Illegal to ride a horse while under the influence.

TEXTING LAWS

TEXTING LAWS

18 and under banned from all cell phone use.

Illegal to text and drive.

MOST STOLEN VEHICLES

MOST STOLEN VEHICLES

  1. 1995 Honda Accord
  2. 1999 Honda Civic
  3. 1999 Jeep Cherokee/Grand Cherokee
  4. 1990 Toyota Camry
  5. 1995 Acura Integra
  6. 1997 Ford F150 Pickup
  7. 1995 Saturn Si
  8. 1997 Dodge Ram Pickup
  9. 2002 Ford Explorer
  10. 1995 Dodge Neon

RAINFALL
15.9
SNOWFALL
67.3
DAYS OF SNOWFALL
19.1
POPULAR CITIES

POPULAR CITIES

Denver

Grand Junction

SCENIC DRIVES

SCENIC DRIVES

Pikes Peak

Independence Pass

STATE PARKS

STATE PARKS

State Forest State Park

Cherry Creek State Park

Roxborough State Park