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Best Affordable Auto Insurance in Colorado
Get Free Quotes and Find the Best Coverage

Finding cheap auto insurance in Colorado is possible as long as you know how to shop and what to ask for. Besides getting multiple car insurance quotes from different companies, you should also be aware as to which coverages you need in your policy. In the state of Colorado it is illegal to operate a motor vehicle that does not have a policy which meets the minimum coverages for the state. All policies must have at least $25,000 in bodily liability coverage for injuries sustained by one person, $50,000 for bodily injury liability coverage for two or more people, and $15,000 for property damage coverage. In addition, as per a new law passed in January of 2009 every policy must have $5,000 medical pay coverage. Med-pay coverage is used to cover the immediate medical expenses of the driver or passengers (e.g. ambulance or emergency room costs) regardless of who is at fault for the accident. This law was passed as a measure to help somebody recovering from an accident to focus on rehabilitation instead of how to meet the cost of their new medical bills. Once your policy meets these requirements, your insurance is at the legal minimum. Finding the best and most affordable auto insurance in Colorado can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Colorado. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Centennial State.

Understanding Colorado's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Colorado one must understand what coverage they need. Colorado does not require protection from uninsured motorists or Personal Injury Protection (PIP) to be a part of your policy. In addition Colorado is also a no-fault state.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Colorado the minimums are 25/50/15. The numbers are in thousands of dollars.

Colorado Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/15
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $429
  • Average Collision Cost: $264
  • Average Comprehensive Cost: $167
  • Average Cost per Year in Colorado: $738
  • US Average Cost: $795
  • Expense Rank: 24/51

Best Colorado Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
40%
55%
N/R
N/A N/R
N/A 48%
N/R
39%
63%
N/A 42%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A 50%
N/A N/R
N/R
N/A 75%
33%
N/R
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%