From Denver to Durango, Colorado features plenty of big cities, small towns, mountain passes, and open highways to explore. To do it legally, you need a car insurance policy and an understanding of the rules of the road. Here’s what you need to know—and do—as a Colorado driver:
The Colorado government mandates the following for all car drivers in Colorado:
Driver skills test: Pass a driving test to confirm you’re trained and capable of safely operating a vehicle on Colorado roads.
Permits and licenses: If you’re under 18 years of age, you must carry a state-mandated permit for 50 hours of driving experience before acquiring a license and legally driving on Colorado roads.
As a Colorado driver, you’re required to carry active auto insurance. You’ll need to show proof of insurance when you register your vehicle. Along with proof of insurance, you’ll also need to provide the following information when you apply for a Colorado vehicle title:
A complete odometer disclosure
A bill of sale
You’re required to meet the following minimum car insurance coverage limits:
$25,000 for bodily injury liability or death for one person
$50,000 for bodily injury liability or death of two or more people
$15,000 for property damage liability per accident
Yes—for additional protection, you can add several optional car insurance coverages to your policy. Here are a few we offer to Colorado drivers like you:
Roughly one in eight American motorists are uninsured, and if you’re involved in an accident with one of those drivers, you could end up paying your own injury-related expenses out-of-pocket. Uninsured motorist (UM) coverage can help cover those costs if you’re involved in an accident caused by a driver with no automobile insurance.
Additionally, many drivers carry just enough car insurance to legally drive, but not enough to pay for your expenses if they injure you in an accident. If you’re injured in an accident and the at-fault driver is underinsured, having underinsured motorist (UIM) bodily injury liability coverage on your policy can help.
Along with the UM/UIM bodily injury liability coverages described above, you can also add UM property damage liability coverage to help pay for repairs if your vehicle is damaged in an accident in which the at-fault driver is uninsured.
Comprehensive insurance can help protect you if your vehicle is damaged by something other than a collision—for example, falling objects, fire, natural disaster, theft, or vandalism.
Understand the difference between comprehensive and collision coverages.
We all know medical bills can add up fast. If you and/or your passengers are injured in an accident, this coverage can help pay for your necessary medical expenses—and, in a worst-case scenario, even funeral expenses. This coverage applies regardless of who was at fault in the accident.
We believe you should have the opportunity to get the most value out of your car insurance. That means customizing your policy to suit your unique situation by applying car insurance discounts you qualify for. Here are a few we offer in Colorado:
Paid in full
Defensive driver course
Having an auto insurance policy helps ensure you drive legally in Colorado—and can also give you the peace of mind that comes with knowing you’re protected if you’re involved in an accident. You can start the process of getting a free online quote below, or give us a call at 888-344-4357.
These state resources can help you ensure you’re set up to legally and safely drive in Colorado.
The Colorado Department of Transportation offers a range of travel and safety resources.
On the Colorado Department of Motor Vehicles (DMV) site, you can renew your driver license, renew your vehicle registration, and more.
The Colorado Division of Insurance has valuable state-specific information on car insurance, renters and homeowners insurance, health insurance, and more.