Colorado car insurance

Before driving the breathtaking, mountainous roads and long, scenic streets of Colorado, make sure you have the right auto insurance coverage. When you're getting car insurance quotes in Colorado, check out all that Progressive has to offer. Learn more about coverage options, minimum requirements in the Centennial State, and available discounts for reliable, affordable auto insurance in Colorado.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Colorado's minimum car insurance requirements?

Colorado drivers are required to have liability coverage limits of at least:

$25,000 in bodily injury per person
$50,000 in total bodily injury per accident
$15,000 in property damage per accident

If you want additional protection beyond Colorado's minimum insurance requirements, consider increasing your auto liability insurance limits to better protect your assets.

Cover your vehicle with comprehensive and collision coverage

If you're leasing or financing your vehicle, most lenders mandate physical damage coverages. If you own your vehicle outright, comprehensive and collision coverage can still be vital in protecting your vehicle against damage, vandalism, and theft.

The Progressive Snapshot^® discount program personalizes your rate based on your driving habits. The safer you drive, the more you could save. See more on our Snapshot program.

How much is car insurance in Colorado?

In 2020-2021, the average car insurance cost in Colorado was $89 per month^* for a liability-only auto policy (single driver/single car) from Progressive. Rates vary based on factors like your driving history, ZIP code, and coverage selections.

Are there any discounts available to drive down the cost of my car insurance?

To help you get cheaper car insurance in Colorado, Progressive offers an array of discounts, including:

Multi-policy
Multi-car
Homeowner
Paid in full
Three-year safe driving
Paperless
Teen driver

With Progressive, you can get even greater protection and extra savings by bundling home and auto insurance in Colorado. By bundling other policies — such as renters, motorcycle, and RV — you can also earn multi-policy discount savings.

See all auto insurance discounts.

Pro tip:

Time for a change? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^** Get a car insurance quote today.

Fast facts about driving and car insurance in Colorado

In 2019, Colorado ranked 6th for the most reported car thefts in the country. If you carry comprehensive coverage, your policy can help cover the cost to replace your stolen vehicle.
Comprehensive coverage can also pay for damage to your automobile caused by hailstorms. You could reduce the cost of comprehensive coverage by increasing your car insurance deductible.
Red light cameras are common in Colorado. The maximum penalty for a violation captured by a red light camera is $75.