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Colorado Car Insurance Resources

Colorado Car Insurance

Car Insurance Rates in CO

^ From 2006 to 2010, Colorado cities had the 24th highest auto insurance rates in the nation. [2]

Car Insurance in CO by City

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Cars Insured in CO

^ Colorado ranked 22nd of all U.S. states in total auto insurance policies in 2011. [1]

CO Car Insurance

Car Insurance in Colorado

Car Insurance Liability Requirements in Colorado

  • Minimum Liability Limits in CO: 25/50/15 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Colorado

Required Car Insurance Coverage in Colorado
  • Auto Insurance Coverage Requirements in CO [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Colorado

  • Insurer Verification of Auto Insurance in CO [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Colorado Car Insurance Facts, Estimates & Related Laws

Colorado Car Insurance Facts

Colorado Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in CO
    • Colorado had the 25th highest auto insurance rates in the nation in 2010. [2]
    • Rates in CO ranked 22nd in the nation in 2009. [2]
    • In 2008, CO had the 25th highest rates in the country. [2]
  • Number of Auto Insurance Policies in CO
    • Colorado ranked 22nd in the nation in auto insurance policies in 2011 with a total of 3,780,070. [1]
  • Uninsured Motorist Rate in CO
    • The uninsured motorist rate in CO ranked 16th in the nation in 2009. [3]

Colorado Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Colorado Automotive Laws

  • Safety Belt Laws in CO
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for younger than 1 year and less than 20 pounds in a rear-facing infant seat; 1 - 3 years and 20-40 pounds in a child safety seat; 4 - 7 years in a booster seat. [7]
  • Motorcycle Helmet Laws in CO
    • Motorcycle helmets required for 17 and younger and passengers 17 and younger. [7]
  • Driver's License Renewal Cycle in CO
    • Renewal cycle: 10 years [7]

Colorado Auto & Driver Facts

Colorado Automotive Facts

Colorado Auto & Driver Facts
  • Speed Limits in CO
    • Rural interstates: 75 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in CO
    • Colorado cities collectively ranked 26th in the nation in total motor fuel consumption in 2011. [9]

Colorado Licensed Drivers

  • Licensed Drivers in CO [10]
    • Total Drivers: 3,669,816
    • Female: 1,843,108
    • Male: 1,826,708
    • CO has the 22nd most drivers in the U.S.
  • Minimum Driving Age in CO [5]
    • Colorado has a minimum driving age of 15 years.

Colorado Auto Registrations

  • Auto Registrations in CO [8]
    • Registered Cars: 1,798,922
    • Registered Trucks: 2,350,093
    • Registered Motorcycles: 173,231
    • Total Registrations: 4,332,251
    • Rank: Colorado ranked 22nd in the United States in total auto registrations in 2011.

Additional information about Colorado

About Colorado

Colorado has a population of approximately 5,029,196, which ranks 22nd in the U.S. among all states. [6]

CO Car Insurance

More about Colorado auto insurance

For more information about auto insurance in CO, or for additional resources regarding Colorado car insurance, visit the Colorado Department of Insurance.

Did you know?

Driving while text messaging is currently banned for all drivers in 41 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Colorado Cities