Colorado Car Insurance Laws

Considering moving to Colorado? Be sure to consider Colorado auto insurance laws when you get a quote for your new address. The state of Colorado requires motorists to carry minimum levels of insurance for Bodily Injury Liability and Property Damage Liability coverages. These minimum coverage levels are required by Colorado state law.

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$25,000 Bodily Injury Liability (per person)
$50,000 Bodily Injury Liability (per accident)
$15,000 Property Damage Liability

Colorado does not require drivers to have Uninsured Motorist Coverage. Many residents choose not to add this coverage to the policy in order to lower the car insurance payments, but it is not an expensive coverage and may be well worth looking into.

The state of Colorado is an at-fault state. This means in every accident, one party is deemed to be responsible for the accident and that person's insurance company is responsible for covering the damages as required by law.

Search the online local listings in the area you will be moving to in Colorado and see if your current company has an agent in that area. By contacting your future local insurance agent you will be assured your agent understands Colorado auto insurance laws and how to balance the coverage you want with the car insurance payments you need.