Coverage from the Mile High City to the Rockies
Colorado Auto Insurance
Get affordable auto insurance anywhere in Colorado. Whether navigating Denver traffic or mountain passes, find comprehensive coverage designed for Colorado's unique driving challenges.
Auto Insurance for 5.8 Million Coloradans
Colorado's diverse terrain from urban Denver to rural plains and mountain communities creates unique insurance needs. Our expertise helps you find coverage for hail, wildlife, and mountain driving risks.
5.8M+
Population
4.7M+
Registered Vehicles
272
Cities & Towns
$1,876
Avg Annual Premium
Colorado's Unique Insurance Challenges
Colorado leads the nation in hail damage claims and faces unique risks from mountain driving, wildlife collisions, and extreme weather. Our specialized coverage options protect against these specific hazards while keeping your premiums affordable.
Find cheap car insurance in ColoradoAuto Insurance in Colorado Cities
Denver
Pop: 715K+
$2,134/year
Metro area, highest rates
Colorado Springs
Pop: 498K+
$1,823/year
Military town, moderate rates
Aurora
Pop: 386K+
$2,089/year
Denver metro rates apply
Fort Collins
Pop: 169K+
$1,567/year
College town, good rates
Lakewood
Pop: 155K+
$1,998/year
Denver suburb rates
Thornton
Pop: 144K+
$1,945/year
Growing suburb, mixed rates
Arvada
Pop: 124K+
$1,912/year
Northwest metro rates
Westminster
Pop: 116K+
$1,967/year
North metro coverage
Serving All Colorado Regions
Denver Metro
Front Range urban corridor
Highest rates, most traffic
Mountain Communities
I-70 corridor ski towns
Weather risks, seasonal traffic
Western Slope
Grand Junction area
Lower rates, rural roads
Eastern Plains
Agricultural regions
Lowest rates, weather risks
Colorado Auto Insurance Considerations
Mountain Driving
Steep grades, sharp curves increase risk
✓ Comprehensive coverage for weather/wildlife
Hail Damage
Colorado leads nation in hail claims
✓ Comprehensive with low deductible
Wildlife Collisions
Deer, elk common on highways
✓ Full coverage protects against animal strikes
Altitude Effects
Vehicle performance, visitor accidents
✓ Proper maintenance coverage
Ski Traffic
Weekend congestion on I-70
✓ Accident forgiveness programs
Colorado Insurance Benefits
Multi-Vehicle Discounts
Save on mountain and city cars
Safe Driver Programs
Rewards for accident-free driving
Military Discounts
Special rates for service members
Ski Pass Holder Deals
Discounts for season pass holders
Colorado Auto Insurance Questions
What are Colorado's minimum auto insurance requirements?
Colorado requires: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage liability. These are higher than many states but still may be insufficient for serious accidents.
How much does car insurance cost in Colorado?
The average cost is $1,876 per year for full coverage. Denver metro areas average $2,100+, while rural areas can be as low as $1,400. Mountain communities vary based on weather risk and seasonal population.
Does Colorado require uninsured motorist coverage?
No, uninsured motorist coverage is optional in Colorado. However, it's highly recommended as approximately 13% of Colorado drivers are uninsured. This coverage protects you in hit-and-run accidents too.
How does hail damage affect my Colorado auto insurance?
Colorado has the highest hail damage claims in the nation. Comprehensive coverage covers hail damage. Consider a lower comprehensive deductible during hail season (April-September) and know your repair options.
What should I know about mountain driving insurance in Colorado?
Mountain driving increases risks from weather, wildlife, and tourist traffic. Ensure you have comprehensive and collision coverage, emergency roadside assistance, and rental car coverage for extended repairs.
Are there special discounts for Colorado drivers?
Yes! Common Colorado discounts include: safe driver, multi-vehicle, military (multiple bases), student, ski area employee, and low mileage. Some insurers offer altitude-adjusted rates for mountain residents.