Colorado Auto Insurance

Driving in the Centennial State

With red rocks and a red river, four national parks, renowned ski resorts, ancient Native American ruins, canyons, river gorges, High Plains, the Rocky Mountains and the highest paved mountain pass in North America, Colorado has countless road trip adventures. If you’re driving up Interstate 25 on your way to the Rockies game in Denver, on state Highway 82 to Aspen or heading down U.S. Route 160 from Cortez to Durango, wherever you’re driving in Colorado motor vehicles registered in the state need to be insured with at least the minimum Colorado car insurance coverage requirements.

Talk to your local Safeco insurance agent about coverage that is right for you and to get your Colorado auto insurance quote today.

Colorado Car Insurance Laws

Colorado Auto Insurance

Car Insurance in Colorado

Is car insurance required in Colorado? Yes.
All registered Colorado motor vehicles must:

  • Be covered by at least the minimum liability levels

All Colorado drivers must:

  • Show proof of insurance

To learn more about Colorado car insurance rates, get your Colorado car insurance quote today.

Colorado Auto Insurance Requirements

What is the minimum car insurance coverage in Colorado?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Colorado Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Financial Responsibility in Colorado

What is proof of financial responsibility?

It’s evidence that you have the have the ability to pay for potential damages caused by your car.

Is Proof of Financial Responsibility Required in Colorado?

Yes. The most common and easiest way to meet financial responsibility requirements in Colorado is to buy Colorado auto liability insurance.

Proof of Insurance in Colorado

If you get caught driving without proof of insurance in Colorado, you could get fined at least $500 and have your license suspended.

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Colorado drivers must be able to present an insurance ID card if asked to do so by a law enforcement officer.

Is proof of insurance required in Colorado? Yes.
Proof of insurance at traffic stops in Colorado can include:

  • A printed auto insurance ID card issued by your insurance company
  • A digital auto insurance ID card viewable on your smartphone or hand-held device

Is electronic proof of insurance accepted in Colorado?
Yes. Electronic proof of insurance in Colorado is accepted for:

  • Vehicle registration
  • Traffic stops

What is electronic proof of insurance?

Electronic proof of insurance allows Colorado drivers to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

Texting While Driving in Colorado

Everyone is prohibited from texting and driving Colorado.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in Colorado may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive and uninsured/underinsured motorist coverage to your policy.

All car insurance companies in Colorado offer policies to cover Colorado auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get a Colorado auto insurance quote.

Colorado Auto Insurance Coverage Options

In addition to car insurance coverage required in Colorado and our popular auto insurance coverage options, drivers in Colorado can also choose from these auto coverage options.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Colorado Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in Colorado. In addition to our popular car insurance discounts drivers in Colorado have even more opportunities to save.

More Than One Policy

Colorado drivers who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

Colorado drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Colorado auto insurance quote today and start saving tomorrow.

Young Drivers in Colorado

Getting Your First Driver’s License in Colorado

Minimum age to get a driver’s education permit in Colorado: 15
Minimum age to get a full driver’s license in Colorado: 18

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 18 in Colorado are prohibited from using any type of hand-held or hands-free mobile device while driving. This includes talking on a cell phone and texting. Exceptions are made for emergencies.

Road Trips and Scenic Drives in Colorado

Colorado River Headwaters Byway

Follow the modest beginnings of the Colorado River on this scenic drive that starts about 20 miles south of the river’s headwaters. Starting in Grand Lake, follow U.S. Route 34 and 40 to Kremmling then head south on state Highway 9 to state Highway 1 (Trough Road) all the way to where it meets state Highway 131.

Highway of Legends

An 80 mile meandering detour from Walsenburg to Trinidad, state Highway 12, or the Highway of Legends, travels around the prominent Spanish Peaks in southwest Colorado. Part of the Sangre de Cristo Range, this area has long been a source of stories and legends of the Ute, Apache and Comanche.

Top of the Rockies

Stop in the highest elevation community in the United States when you head to Leadville on either state Highway 82 or 91, or U.S. Route 24. Reach an altitude of over 12,000 feet when you cross the Continental Divide through Independence Pass on the way to Aspen.

Things to Do in Colorado

See Mesa Verde

Located about an hour east of Durango in the remote southeast corner of Colorado, the cliff dwellings built into the caves and cliffs of Mesa Verde are some of the largest and best preserved in North America.

Visit Black Canyon of the Gunnison

About an hour and a half south of Grand Junction, the Black Canyon walls carved and sculpted by the Gunnison River are so steep they appear black most of the time because they’re obscured from sunlight and in the shadows.

Fun Facts About Colorado

State nickname: The Centennial State
Residents are called: Coloradans
National park: Four
National monuments: Seven
Origin of the word Colorado: Spanish word for red
Named after: Rio Colorado — or the red river in Spanish
MLB teams: Colorado Rockies
NBA teams: Denver Nuggets
NFL teams: Denver Broncos
NHL teams: Colorado Avalanche
Highest mountain in Colorado: Mount Elbert
Year admitted to Union: 1876
Highest paved pass in North America: Independence Pass
© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.