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Colorado Insurance Information

Colorado is perhaps best known for containing the 30 highest summits of the Rocky Mountains, the "Mile High City" of Denver, and numerous ski resorts. The history of Colorado began with Native Americans, whose existence can still be witnessed by standing in the 800-year-old Cliff Palace ruin at Mesa Verde. The land was transferred to the United States through the Louisiana Purchase in 1803. When explorers entered the territory, they learned that the Spanish residents named the area Colorado ("red-colored") after the red color of the earth. The Spanish claim to part of the new territory led to a scuffle with U.S. Army reconnaissance officer Zebulon Pike, of Pikes Peak fame. After the dispute was settled and the gold rush boom declined, Colorado was finally permitted to become an official state. In 1876, exactly 100 years after the Declaration of Independence was signed, the "Centennial State" was born.

Quality Colorado car insurance is vital in the Denver metropolitan area, especially since half of Colorado's 5 million people live there. Just think of all the bumper-to-bumper traffic on I-25 and I-70, the wintry collisions, and the uninsured drivers. Car insurance is not just for urban residents, however. It is also important to be protected from the chipped windshields caused by flying rocks or crunched hoods due to collisions with elk, deer, and even bighorn sheep. Your car insurance policy will allow you to drive legally and protect your hard-earned income from the devastating costs of a major, or even a minor, accident. Whether you want basic Colorado car insurance quotes with only the legal minimums or a full-coverage policy, all of the information you need to select a Colorado car insurance policy is here on this page. We have done all the research for you, from reviewing prospective providers to spelling out Colorado's minimum requirements.

Whether you live on the rolling plains, on rugged mountain terrain, or in a congested city neighborhood, we have made it easy for you to be protected at all times. Get great coverage and peace of mind at an affordable rate-all you need to do is choose your county in the dropdown box below, then click on your city to see the best local Colorado auto insurance quotes available. Purchase your policy with a few clicks or save the quotes on Colorado car insurance and return later. Need assistance? Give us a call at the toll-free number shown at the top of the page. Our staff is ready and willing to help you find the perfect Colorado auto insurance policy!

Colorado Population Data At-a-Glance

5,116,769 total population
36 average citizen age
101 males per 100 females
10 number of cities with > 100,000 residents
Denver largest city in the state

Vital Colorado Insurance Facts

Before you begin driving in Colorado, it is important to have a firm grasp on the rules of the road. You can save yourself the headaches of trying to comprehend different standards. Additionally, you can see how your car insurance premium stacks up against different states.

Average Annual Colorado Insurance Premium Payment


About $101.33/Month. Colorado ranks as the 29th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 767,515 Uninsured Drivers in the State of Colorado

CO Licensing Rules & Regulations

Chances are, you do not like spending any more time at the department of licensing than you have to. We have made it easy to stay on top of renewal dates and licensing standards.

Learner's Permit

16 Years

Unrestricted License

17 Years

Renewal Frequency

10 Years

Safety Requirements, Handheld Devices in Colorado

If you finding yourself texting and driving, be prepared to suffer the consequences. Also, be sure to understand the specific safety standards for seatbelt usage and helmet usage on bikes and motorcycles. This is truly information that can save you money!

Seatbelt Offenses


Motorcycle Helmets

17 and Under

Handhelds Banned?


Text-Messaging Banned?


Colorado Impaired Driving Laws

If you drive impaired, you can expect to be punished harshly if caught. Each state has different fines and imprisonment lengths, but all have adopted the .08 BAC level as the legal limit. Make sure you are not at risk of getting a DUI charge.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

365 Days

SR-22 Required?


Open Container Law