Cheap Car Insurance in Colorado
Whether you’re adventuring around Denver or skiing in Steamboat Springs, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every journey. EagleWay Auto Insurance is proud to offer cheap car insurance in Colorado. Learn which coverages are required, which are optional, and how EagleWay can help you save. Get a free quote to see how much money you could save.
Colorado Car Insurance Laws
Do you have to have car insurance in Colorado?
Colorado law requires all drivers to maintain proof of financial responsibility, usually satisfied with a car insurance policy. Policies must meet minimum liability coverage limits of 25/50/15.
Colorado Minimum Car Insurance Requirements
Here’s a breakdown by coverage type:
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage protects if you cause an accident injuring another person. | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability Coverage covers repair or replacement of property you damage. | Yes. $15,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) covers medical expenses if the other driver lacks sufficient coverage. Includes Uninsured Motorist Property Damage (UMPD) in Colorado. | Not required, but added unless rejected in writing. |
| Medical Payments Coverage (Med Pay) covers medical expenses regardless of fault. | Not required. |
| Collision Coverage helps repair or replace your vehicle after a collision. | Not required.¹ |
| Comprehensive Coverage covers non-collision damage like fire, vandalism, or falling objects. | Not required.¹ |
IMPORTANT NOTE: Liability coverage satisfies Colorado law, but does not cover your own injuries or vehicle damage.
Additional coverage, like UM/UIM, comprehensive, and collision, is recommended for full protection.
¹Your lender may require these coverages if you lease or finance your vehicle.
Additional Coverage Options
Optional coverages for Colorado drivers include:
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Colorado Proof of Financial Responsibility and Penalties
What if I don't meet Colorado’s minimum car insurance requirements?
Driving without insurance can lead to fines, community service, license suspension, and possible jail time. Repeat offenses carry even harsher penalties.
Penalties for Driving with a Suspended License in Colorado
Driving without a valid license can result in steep fines, increased license suspension, and potential jail time. Always reinstate your license before driving.
SR-22 Insurance in Colorado
High-risk drivers may be required to file an SR-22 (certificate of financial responsibility) verifying insurance coverage. Requirements apply if you have serious violations, failed to maintain proper liability coverage, or were convicted of DUI/DWI. EagleWay Auto Insurance can help with SR-22 filings and high-risk coverage.
High-Risk Auto Insurance in Colorado
Drivers with violations or a less-than-perfect record may be considered high-risk. EagleWay provides non-standard coverage, ensuring quality, affordable protection for all drivers.
Where can I find the cheapest car insurance rates in Colorado?
Rates depend on:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much and where you drive
- Your demographics
- Your driving record
- Your credit history
EagleWay Auto Insurance helps Colorado drivers, including high-risk drivers, find affordable coverage. Get a free quote or work with an agent to create a plan that meets state requirements and fits your needs.