Auto Insurance for Colorado Drivers
Drivers in Colorado are fortunate to be able to travel on the largest number of Nationally Designated Scenic Byways in the United States. Whether you’re driving across the nation’s tallest suspension bridge over the Royal Gorge or climbing the highest paved road to Mt. Evans, it’s important to have the right car insurance protection.
Many AARP members and their families in Colorado have relied on the AARP
® Auto Insurance Program from The Hartford
1 for the
car insurance they need. This has helped us earn a reputation for trust and integrity. You also know you can count on The Hartford because of our high customer ratings for claims services.
Find the Best Car Insurance in Colorado With Benefits and Discounts
Additional Car Insurance Benefits Offered to Colorado Drivers
Drivers from the state of Colorado could also receive these benefits from us:
- Disappearing Deductible‡
- Roadside Assistance
- Transportation Expense
Required Car Insurance Coverages in Colorado
In the state of Colorado, you must carry
liability insurance at the following minimum required limits:
2
Optional Car Insurance Coverages in Colorado
It’s important to remember that the cheapest car insurance doesn’t always offer the best coverage. In many cases, the cheapest options lack adequate protection. This can cause you to pay out-of-pocket for certain damages.
To make sure you have enough protection, you may want some extra coverages, like:
Proof of Car Insurance in Colorado
If you’re a licensed driver in the state of Colorado, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. Colorado does accept electronic proof of car insurance and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Colorado Uninsured Motorist Facts
According to a 2021 Insurance Research Council report, 16.3% of Iowa drivers are uninsured. This is above the national average of 12.6%.3 With uninsured motorist coverage, you can protect yourself if you’re in an accident with a driver that doesn’t have insurance. This policy can help pay for car repairs and bodily injuries from the collision.
Driving Laws in Colorado
To stay safe on Colorado roads, it’s important to keep driving laws in mind:4
Colorado Seat Belt Laws
If law enforcement pulls you over for a traffic violation in Colorado and you’re not wearing your seat belt, they can give you a ticket.
Colorado Distracted Driving Laws
Colorado bans the use of cell phones by all young drivers under 18. Texting while driving is also against the law in the state.
Colorado Teen Driver Laws
Colorado wants to keep all teen drivers safe. That’s why they have graduated licensing laws that make sure teenagers gain the experience they need to be good drivers and stay safe behind the wheel.3
These laws limit nighttime driving, restrict teen passengers and ensure young drivers get the right amount of supervised driving practice in Colorado.
Get Car Insurance Quotes in Colorado
To learn more, get a
car insurance quote from The Hartford today. You can also call our specialists at
888-413-8970 and they’ll help you find the best price while meeting insurance requirements for your state.
Common Questions About Car Insurance in Colorado
What Is the Average Cost of Car Insurance in Colorado?
According to the Insurance Information Institute (III), the average cost of Colorado car insurance is $1,132.
5 However, your insurance company will base
how much your car insurance costs on factors like what kind of car you drive and your driving record.
Does Insurance Follow the Car or Driver in Colorado?
Car insurance usually follows the car instead of the driver. So, if your neighbor borrows your car, your Colorado auto policy may or may not cover them depending on what it includes.
Does Colorado Require Car Insurance?
Yes, the state of Colorado does have minimum coverage requirements for auto liability insurance.
Who Has the Best Auto Insurance Rates in Colorado?
Last Updated: October 16, 2023
2 Rocky Mountain Insurance Information Association (RMIIA), “Colorado Auto Insurance Requirements”
3 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
4 Governors Highway Safety Association (GHSA), “State Laws”
5 Insurance Information Institute (III), “Facts + Statistics: Auto Insurance
Colorado drivers could be eligible for valuable 
