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
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
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.
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.
Uninsured Motorist Rate in CO
The uninsured motorist rate in CO ranked 16th in the nation in 2009.
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.
Motorcycle Helmet Laws in CO
Motorcycle helmets required for 17 and younger and passengers 17 and younger.
Driver's License Renewal Cycle in CO
Renewal cycle: 10 years
Colorado Auto & Driver Facts
Colorado Automotive Facts
Speed Limits in CO
Rural interstates: 75 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 65 mph
Motor Fuel Consumption in CO
Colorado cities collectively ranked 26th in the nation in total motor fuel consumption in 2011.
Colorado Licensed Drivers
Licensed Drivers in CO [ 10]
Total Drivers: 3,669,816
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
Colorado has a population of approximately 5,029,196, which ranks 22nd in the U.S. among all states.
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?
As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.
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