Car Insurance in Colorado

Colorado car insurance
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Auto Insurance for Colorado Drivers

Auto Insurance Colorado 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 Hartford1 for the car insurance they need. This has helped us earn a reputation for trust and integrity. You also know you can count on us because of our high customer ratings for claims services.

Best Car Insurance Colorado Find the Best Car Insurance in Colorado With Benefits and Discounts

To find the right coverage, you’ll want to shop around for different discounts and auto insurance quotes in Colorado. Some of the discounts and benefits for AARP members include:
  • 12-Month Rate Protection: We’ll lock your lower premium in for a full-year to help you save money.
  • First Accident Forgiveness:: With this, your car insurance rates won’t go up because you’ve had an accident. We also won’t count it against you.
  • One Deductible:‡‡ If you need to file a claim for two of your vehicles that are both insured by the AARP Auto Insurance Program from The Hartford, you’ll only have to pay the higher deductible.
  • Disappearing Deductible: We’ll reduce your collision deductible all the way down to $0 each year as long you maintain a clean driving record.

Car Insurance Benefits Offered to Colorado Drivers

Drivers from the state of Colorado can also receive these benefits from us:
  • New Car Replacement:§§ If you total your new car within the first 15 months or 15,000 miles after you buy it, your policy will help pay to replace it.
  • 24/7 Claim Service: Our representatives can help guide you through the claims process at any time of the day. You can reach them at 800-243-5860.
  • Labor and Towing Insurance: This can help pay for emergency roadside assistance if you break down while driving. It can also help tow your car to a repair shop.  

Required Car Insurance Coverages in Colorado

In the state of Colorado, you must carry liability insurance at the following minimum required limits:2
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $15,000 for property damage, per accident

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 in adequate protection. This can cause you to have 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

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:3

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’ll 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

Car Insurance Quotes Colorado To learn more, get a car insurance quote from us 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?

Average Car Insurance Cost Colorado According to the Insurance Information Institute (III), the average cost of Colorado car insurance is $1,050.4  However, your insurance company will base how much your car insurance costs on factors like your zip code and credit scores.

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?

To find the best auto insurance rates, you’ll want to compare car insurance coverages from multiple auto insurance companies. You’ll also want to make sure you ask what discounts and benefits are available. Sometimes, you can also save money by bundling your home and auto coverages....
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.