Colorado Car Insurance Guide
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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore...

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UPDATED: Jun 15, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Colorado
Colorado Statistic Summary
Road Miles 88,740
Registered Vehicles 4,632,430
State Population 5,607,154
Percentage of
Uninsured Motorists
13.3
Driving Deaths Speeding: 230 Drunk Driving: 177
Average Premiums Annually
Liability: $520.04 Collision: $287 Comprehensive: $174.61
Cheapest Provider: USAA

Residents of Colorado are blessed with a copious amount of outdoor adventures in which they can partake. From skiing in Aspen to hiking in one of the dozens of state parks and national forests to whitewater rafting on the Colorado River, the Centennial State offers its citizens and visitors a list of recreational activities that is a mile-high.

In order to enjoy all these wonderful activities, you will have to travel and traverse through a diversity of roads, landscapes, and terrains. And whether you choose to navigate the state in a pickup truck or in an RV or atop an ATV, you will want to make sure that you have the proper insurance for your vehicle and for your specific needs, especially considering the steeply rising cost of auto insurance in Colorado.

A great way to keep your rates as low as possible even in the midst of rising costs statewide is to compare car insurance quotes from multiple companies and choose the one with the best rates for you.

Enter your zip code above for your free car insurance rate quotes.

Table of Contents

Colorado Car Insurance Coverage and Rates

Car insurance is a necessity, but knowing how and where to begin to choose the proper coverage can be burdensome.

The good news is we have made it our business to ease your burden when it comes to the need-to-knows about car insurance in your state. We will provide you with the statistical and anecdotal medicine to alleviate any anxiety you may be feeling over the rising costs of auto insurance premiums.

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We’ll help you discover what the law requires, what you may want or need, and where you can get it at the best rates possible for your circumstance.

Colorado Minimum Coverage

Colorado is a “fault” state. If you are found at-fault in an accident, you are responsible to pay for all the resulting damages.

The state of Colorado requires all motorists to carry with the minimum liability limits of 25/50/15 to satisfy “basic coverage.” This means that car owners must carry the following minimum levels of liability insurance:

  • $25,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle
  • $50,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle
  • $15,000 for property damage per accident caused by the owner of the insured vehicle

Uninsured/underinsured motorist coverage can be rejected in writing. If not rejected, it will automatically be applied to a basic policy.

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Any motorist or business with 25 or more vehicles registered in the state has the option of self-insurance. According to the Colorado General Assembly:

Self‑insurance. Any individual who has over 25 vehicles registered to his or her name may qualify as a self‑insurer by applying for a certificate of self‑insurance from the state Insurance Commissioner.

The Insurance Commissioner must ensure that the individual will be able to pay the minimum coverages required by the state. For more information on self‑insurance, contact the state’s Division of Insurance within the Department of Regulatory Agencies (DORA).

Colorado Minimum Coverage Requirements*May be waived if rejected. UUM must be rejected in writing. MedPay may be rejected in writing or in the same way you buy insurance.
Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$15,000 per accident
Uninsured/Underinsured Motorist Coverage*$25,000 per person
$50,000 per accident
Medical Payments (MedPay)*$5000
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How much coverage is enough? Will opting for just the basic minimums meet all your insurance needs? That all depends on whether or not you have substantial assets (present or future) to protect. Are you willing to open yourself up to potential litigation in the event of an accident?

If not, consider increasing your liability limits. The experts at the Wall Street Journal advise limits of 100/300/50, offering the following recommendation:

Make sure you’re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings, and investments).

Next, we will glance at what the average driver in the Mile High State pays for car insurance. The exact amount you will pay will probably slightly higher or lower than these figures, but this data will give you a healthy frame of reference.

Premiums as a Percentage of Income

Arthur Godfrey, the late, great radio and television broadcaster and entertainer once quipped, “I am proud to be paying taxes in the United States. The only thing is I could be just as proud for half of the money.”

This humorous quote underlies the principle of Disposable Personal Income (DPI), which is the amount of money you retain after paying the government its cut by way of taxes.

Annual Full Coverage
Average Premiums
Monthly Full Coverage
Average Premiums
Annual Per Capita
Disposable Personal Income
Monthly Per Capita
Disposable Personal Income
Percentage of Income
$939.52$78.29$43,609.00$3,634.082.15
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Basic coverage is what is required by law. Full coverage includes liability, comprehensive, and collision insurance. We’ll break down the average cost of each.

Type of CoverageAverage Annual Cost
Liability$520.04
Collision$287
Comprehensive$174.61
Full Coverage$981.64
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We’ve perused some stats about what car insurance costs the individual Coloradan. Next, we will delve into some pertinent statistics about the insurance companies within the state.

Loss Ratio

The insurance loss ratio is the dollar amount of losses compared to the dollar amount of earned premiums expressed as a percentage. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to an increase in future premiums for all consumers.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $42,000 in claims, the company’s loss ratio is 42 percent ($42,000 incurred losses/$100,000 earned premiums).

Add-ons, Endorsements, Riders

Just over 13 percent of drivers in Colorado (13.3 percent to be precise) don’t have insurance, which ranks as the 19th highest percentage in the nation.

Medical Payments is another coverage that is included in a basic Colorado policy but can be rejected in writing or in the form in which the policy was purchased (e.g. internet or phone).

The Colorado Department of Insurance released the Consumer’s Guide to Auto Insurance for a quick and helpful summary of all the enhancements available to you in the Centennial State.

Despite the increasing popularity of pay-by-the-mile auto insurance plans offered by companies like Metromile, presently they are unavailable in Colorado.

Other Usage-Based Insurance programs (UBI) are active and available to drivers in Colorado. Programs like SmartRide from Nationwide, or Drive Safe & Save from State Farm, or Drivewise from Allstate offer discounts to drivers based on your driving proficiency.

There are several additional coverage options that you can learn more about to decide if they’re a good choice for your situation. We’ll look at those right here:

Male Vs. Female Rates in Colorado

Country music living legend Reba McEntire once sang a ballad lamenting not knowing what get the girl who has everything. My response to that query is to raise a suspicious eyebrow and question or not the girl truly did have everything. Namely, did she have more favorable car insurance premiums than her male counterparts?

The only way to find out is to consult the data.

CompanySingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rateMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rate
Allstate F&C$11,732.84 $12,322.40 $3,748.22 $3,771.84 $3,397.34 $3,180.33 $3,056.13 $3,088.23
American Family Mutual$6,182.18 $8,292.20 $2,552.17 $3,128.70 $2,552.17 $2,552.17 $2,302.28 $2,302.28
Farmers Ins Exchange 2.0$11,703.79 $11,788.62 $3,401.12 $3,436.88 $3,095.55 $3,068.12 $2,804.12 $3,023.70
Geico Cas$6,116.54 $6,472.19 $1,797.35 $1,830.71 $1,962.23 $2,140.86 $2,069.94 $2,343.70
Safeco Ins Co of America$5,559.53 $6,061.99 $1,877.93 $1,897.98 $1,859.15 $1,810.08 $1,578.98 $1,736.25
AMCO Insurance$6,292.06 $8,057.66 $2,863.59 $3,094.73 $2,490.00 $2,536.58 $2,226.47 $2,354.68
Progressive Direct$8,765.26 $9,802.10 $2,926.11 $2,846.92 $2,593.20 $2,426.75 $2,250.01 $2,245.05
State Farm Mutual Auto$5,901.90 $7,471.21 $2,293.13 $2,717.20 $2,048.74 $2,048.74 $1,842.60 $1,842.60
USAA CIC$5,582.30 $6,398.91 $2,873.09 $3,130.10 $2,232.85 $2,232.55 $2,126.52 $2,134.62
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Take a look at average premium rates for the Most Expensive Demographics in the Rocky Mountain State.

CompanyDemographicAverage Annual RateRank     
Allstate F&CSingle 17-year old male$12,322.40 1
Farmers Ins Exchange 2.0Single 17-year old male$11,788.62 2
Allstate F&CSingle 17-year old female$11,732.84 3
Farmers Ins Exchange 2.0Single 17-year old female$11,703.79 4
Progressive DirectSingle 17-year old male$9,802.10 5
Progressive DirectSingle 17-year old female$8,765.26 6
American Family MutualSingle 17-year old male$8,292.20 7
AMCO InsuranceSingle 17-year old male$8,057.66 8
State Farm Mutual AutoSingle 17-year old male$7,471.21 9
Geico CasSingle 17-year old male$6,472.19 10
USAA CICSingle 17-year old male$6,398.91 11
AMCO InsuranceSingle 17-year old female$6,292.06 12
American Family MutualSingle 17-year old female$6,182.18 13
Geico CasSingle 17-year old female$6,116.54 14
Safeco Ins Co of AmericaSingle 17-year old male$6,061.99 15
State Farm Mutual AutoSingle 17-year old female$5,901.90 16
USAA CICSingle 17-year old female$5,582.30 17
Safeco Ins Co of AmericaSingle 17-year old female$5,559.53 18
Allstate F&CSingle 25-year old male$3,771.84 19
Allstate F&CSingle 25-year old female$3,748.22 20
Farmers Ins Exchange 2.0Single 25-year old male$3,436.88 21
Farmers Ins Exchange 2.0Single 25-year old female$3,401.12 22
Allstate F&CMarried 35-year old female$3,397.34 23
Allstate F&CMarried 35-year old male$3,180.33 24
USAA CICSingle 25-year old male$3,130.10 25
American Family MutualSingle 25-year old male$3,128.70 26
Farmers Ins Exchange 2.0Married 35-year old female$3,095.55 27
AMCO InsuranceSingle 25-year old male$3,094.73 28
Allstate F&CMarried 60-year old male$3,088.23 29
Farmers Ins Exchange 2.0Married 35-year old male$3,068.12 30
Allstate F&CMarried 60-year old female$3,056.13 31
Farmers Ins Exchange 2.0Married 60-year old male$3,023.70 32
Progressive DirectSingle 25-year old female$2,926.11 33
USAA CICSingle 25-year old female$2,873.09 34
AMCO InsuranceSingle 25-year old female$2,863.59 35
Progressive DirectSingle 25-year old male$2,846.92 36
Farmers Ins Exchange 2.0Married 60-year old female$2,804.12 37
State Farm Mutual AutoSingle 25-year old male$2,717.20 38
Progressive DirectMarried 35-year old female$2,593.20 39
American Family MutualMarried 35-year old female$2,552.17 40
American Family MutualMarried 35-year old male$2,552.17 40
American Family MutualSingle 25-year old female$2,552.17 40
AMCO InsuranceMarried 35-year old male$2,536.58 43
AMCO InsuranceMarried 35-year old female$2,490.00 44
Progressive DirectMarried 35-year old male$2,426.75 45
AMCO InsuranceMarried 60-year old male$2,354.68 46
Geico CasMarried 60-year old male$2,343.70 47
American Family MutualMarried 60-year old female$2,302.28 48
American Family MutualMarried 60-year old male$2,302.28 48
State Farm Mutual AutoSingle 25-year old female$2,293.13 50
Progressive DirectMarried 60-year old female$2,250.01 51
Progressive DirectMarried 60-year old male$2,245.05 52
USAA CICMarried 35-year old female$2,232.85 53
USAA CICMarried 35-year old male$2,232.55 54
AMCO InsuranceMarried 60-year old female$2,226.47 55
Geico CasMarried 35-year old male$2,140.86 56
USAA CICMarried 60-year old male$2,134.62 57
USAA CICMarried 60-year old female$2,126.52 58
Geico CasMarried 60-year old female$2,069.94 59
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You may be in goods hands with Allstate, but as a 17-year-old single male, you’ll pay on average three and a half times more to be secured by those good hands than his 25-year-old single brother.

Colorado Insurance Rates by ZIP Code

Let’s take a look at the cheapest and most expensive ZIP codes in Colorado. Here are charts with the average annual premiums in Colorado by ZIP code:

Cheapest ZIP Codes in Colorado CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
81504GRAND JUNCTION$3,291.13Allstate$5,559.67Farmers$4,321.67GEICO$2,158.40Liberty Mutual$2,350.84
81505GRAND JUNCTION$3,299.49Allstate$5,559.67Farmers$4,391.99GEICO$2,106.05Liberty Mutual$2,360.44
81507GRAND JUNCTION$3,312.39Allstate$5,559.67Farmers$4,300.31GEICO$2,236.13Liberty Mutual$2,360.44
81501GRAND JUNCTION$3,314.33Allstate$5,134.33Farmers$4,336.53GEICO$2,236.13Liberty Mutual$2,434.26
80535LAPORTE$3,327.82Farmers$4,375.65Allstate$4,199.55Liberty Mutual$2,280.34USAA$2,837.72
81521FRUITA$3,330.77Allstate$5,559.67Farmers$4,352.53GEICO$2,106.05State Farm$2,610.96
80525FORT COLLINS$3,334.66Farmers$4,695.19Allstate$4,308.76Liberty Mutual$2,448.71USAA$2,707.04
81520CLIFTON$3,336.43Allstate$5,559.67Farmers$4,381.59GEICO$2,106.05Liberty Mutual$2,350.84
81503GRAND JUNCTION$3,338.85Allstate$5,559.67Farmers$4,452.48GEICO$2,158.40Liberty Mutual$2,360.44
81525MACK$3,344.40Allstate$5,431.16Farmers$4,591.98GEICO$2,106.05Liberty Mutual$2,551.75
81524LOMA$3,344.96Allstate$5,431.16Farmers$4,439.13GEICO$2,106.05Liberty Mutual$2,375.76
81506GRAND JUNCTION$3,346.16Allstate$5,559.67Farmers$4,308.80GEICO$2,158.40Liberty Mutual$2,434.26
80521FORT COLLINS$3,347.76Farmers$4,523.55Allstate$4,199.55Liberty Mutual$2,415.11GEICO$2,799.30
80537LOVELAND$3,361.47Farmers$4,562.20Allstate$4,377.44Liberty Mutual$2,555.08GEICO$2,746.43
80526FORT COLLINS$3,361.56Farmers$4,637.80Allstate$4,199.55Liberty Mutual$2,361.92GEICO$2,799.30
80538LOVELAND$3,366.63Farmers$4,650.88Allstate$4,319.84Liberty Mutual$2,603.47GEICO$2,746.43
81526PALISADE$3,381.38Allstate$5,431.16Farmers$4,485.57GEICO$2,158.40Liberty Mutual$2,603.97
80528FORT COLLINS$3,393.99Farmers$4,632.36Allstate$4,319.84Liberty Mutual$2,448.71USAA$2,749.54
80524FORT COLLINS$3,397.23Farmers$4,678.84Allstate$4,558.04Liberty Mutual$2,415.11USAA$2,707.04
81401MONTROSE$3,417.08Allstate$5,235.78Farmers$4,581.77GEICO$2,159.83Liberty Mutual$2,711.63
80549WELLINGTON$3,419.33Allstate$4,571.00Farmers$4,517.83Liberty Mutual$2,574.62State Farm$2,743.35
81523GLADE PARK$3,420.49Allstate$5,559.67Farmers$4,510.33GEICO$2,236.13Liberty Mutual$2,562.30
81403MONTROSE$3,421.86Allstate$5,235.78Farmers$4,525.94GEICO$2,159.83Liberty Mutual$2,711.63
80547TIMNATH$3,423.02Farmers$4,978.52Allstate$4,308.76Liberty Mutual$2,448.71GEICO$2,758.74
81527WHITEWATER$3,432.47Allstate$5,577.83Farmers$5,055.56GEICO$2,158.40Liberty Mutual$2,386.31
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ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in CO.

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Six of the cheapest ZIP codes in Colorado can be found in Grand Junction.

Most Expensive ZIP Codes in Colorado CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
80219DENVER$4,762.40Allstate$6,635.51Farmers$6,600.49USAA$3,345.01Liberty Mutual$3,514.27
80223DENVER$4,757.54Farmers$6,750.80Allstate$6,481.50Liberty Mutual$3,591.58GEICO$3,680.74
80010AURORA$4,722.91Allstate$6,709.57Farmers$6,345.60Liberty Mutual$3,454.53USAA$3,525.81
80230DENVER$4,693.01Allstate$6,939.29Farmers$5,866.11Liberty Mutual$3,477.44USAA$3,530.73
80012AURORA$4,677.64Allstate$6,831.76Farmers$5,996.27USAA$3,530.73Liberty Mutual$3,565.22
80246DENVER$4,673.75Allstate$6,913.77Farmers$6,273.18Liberty Mutual$3,309.16USAA$3,516.53
80204DENVER$4,672.66Allstate$6,481.50Farmers$6,153.74Liberty Mutual$3,560.88USAA$3,657.89
80220DENVER$4,642.72Allstate$6,744.02Farmers$6,276.00Liberty Mutual$3,413.46USAA$3,530.73
80247DENVER$4,642.34Allstate$6,831.76Farmers$5,763.39Liberty Mutual$3,442.19USAA$3,530.73
80045AURORA$4,620.43Allstate$6,709.57Farmers$5,817.07Liberty Mutual$3,454.53USAA$3,530.73
80239DENVER$4,581.88Allstate$6,523.66Farmers$5,864.52Liberty Mutual$3,441.92USAA$3,525.81
80205DENVER$4,576.50Farmers$6,325.44Allstate$6,283.66GEICO$3,461.13USAA$3,484.32
80203DENVER$4,567.76Allstate$6,411.14Farmers$6,104.04Liberty Mutual$3,292.91GEICO$3,369.30
80011AURORA$4,550.80Allstate$6,523.66Farmers$5,979.90USAA$3,244.30Liberty Mutual$3,442.19
80047AURORA$4,547.13Allstate$6,074.05Farmers$5,683.22Liberty Mutual$3,565.22State Farm$3,687.16
80207DENVER$4,527.63Farmers$6,369.66Allstate$5,928.00Liberty Mutual$3,406.04USAA$3,530.73
80206DENVER$4,526.04Farmers$6,145.16Allstate$5,853.97Liberty Mutual$3,368.61GEICO$3,369.30
80014AURORA$4,525.03Allstate$6,565.34Farmers$6,007.98Liberty Mutual$3,155.03USAA$3,504.28
80218DENVER$4,521.67Allstate$6,283.66Farmers$6,002.72Liberty Mutual$3,321.71GEICO$3,322.81
80216DENVER$4,519.40Farmers$6,451.96Allstate$6,074.49Liberty Mutual$3,315.08GEICO$3,544.79
80224DENVER$4,505.94Allstate$6,496.63Farmers$6,063.86Liberty Mutual$3,389.52USAA$3,504.28
80017AURORA$4,500.52Allstate$6,671.40Farmers$5,906.67Liberty Mutual$3,402.15USAA$3,405.74
80202DENVER$4,497.08Allstate$6,296.06Farmers$6,112.84Liberty Mutual$3,352.37GEICO$3,414.64
80231DENVER$4,475.84Allstate$6,496.63Farmers$5,769.53Liberty Mutual$3,429.51USAA$3,530.73
80211DENVER$4,464.23Allstate$6,086.89Farmers$6,033.88GEICO$3,243.61Liberty Mutual$3,369.71
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Colorado Insurance Rates by City

Will you get more affordable car insurance coverage living closer to the Colorado River, the Rocky Mountains, or Golden Gate Canyon State Park?

Cheapest Cities in Colorado Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Clifton$3,313.78Allstate$5,559.67Farmers$4,351.63GEICO$2,132.23Liberty Mutual$2,350.84
Grand Junction$3,322.24Allstate$5,474.60Farmers$4,358.02GEICO$2,179.02Liberty Mutual$2,389.97
Laporte$3,327.82Farmers$4,375.65Allstate$4,199.55Liberty Mutual$2,280.34USAA$2,837.72
Fruita$3,330.77Allstate$5,559.67Farmers$4,352.53GEICO$2,106.05State Farm$2,610.96
Mack$3,344.40Allstate$5,431.16Farmers$4,591.98GEICO$2,106.05Liberty Mutual$2,551.75
Loma$3,344.96Allstate$5,431.16Farmers$4,439.13GEICO$2,106.05Liberty Mutual$2,375.76
Loveland$3,366.63Farmers$4,650.88Allstate$4,319.84Liberty Mutual$2,603.47GEICO$2,746.43
Palisade$3,381.38Allstate$5,431.16Farmers$4,485.57GEICO$2,158.40Liberty Mutual$2,603.97
Fort Collins$3,388.15Farmers$4,696.20Allstate$4,352.61Liberty Mutual$2,417.45USAA$2,757.68
Wellington$3,419.32Allstate$4,571.00Farmers$4,517.83Liberty Mutual$2,574.62State Farm$2,743.35
Montrose$3,419.47Allstate$5,235.78Farmers$4,553.86GEICO$2,159.83Liberty Mutual$2,711.63
Glade Park$3,420.49Allstate$5,559.67Farmers$4,510.33GEICO$2,236.13Liberty Mutual$2,562.30
Timnath$3,423.02Farmers$4,978.52Allstate$4,308.76Liberty Mutual$2,448.71GEICO$2,758.74
Berthoud$3,425.56Allstate$4,665.40Farmers$4,491.22Liberty Mutual$2,618.43GEICO$2,705.72
Whitewater$3,432.47Allstate$5,577.83Farmers$5,055.56GEICO$2,158.40Liberty Mutual$2,386.31
Masonville$3,433.77Farmers$4,786.19Allstate$4,291.74Liberty Mutual$2,603.47GEICO$2,858.45
Delta$3,436.14Allstate$5,752.64Farmers$4,616.66GEICO$2,107.48Liberty Mutual$2,494.42
Gateway$3,452.59Allstate$5,449.29Farmers$4,796.02GEICO$2,288.48Liberty Mutual$2,562.30
Evans$3,468.17Allstate$5,069.20Farmers$4,680.78Liberty Mutual$2,446.28GEICO$2,553.81
Glen Haven$3,468.96Farmers$4,916.37Allstate$4,291.74Liberty Mutual$2,618.37GEICO$2,879.57
Olathe$3,473.78Allstate$5,571.82Farmers$4,793.37GEICO$2,159.83Liberty Mutual$2,542.41
Austin$3,481.55Allstate$5,449.29Farmers$4,803.01GEICO$2,237.56State Farm$2,581.05
Monte Vista$3,488.11Allstate$5,021.13Farmers$4,822.69GEICO$2,533.48Liberty Mutual$2,599.59
Drake$3,488.53Farmers$4,987.95Allstate$4,291.74Liberty Mutual$2,618.37GEICO$2,879.57
Cimarron$3,499.94Allstate$5,235.78Farmers$4,336.23State Farm$2,717.05Liberty Mutual$2,734.33
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Where does your city of residence rank for premium rates?

Most Expensive Cities in Colorado Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Aurora$4,485.52Allstate$6,378.06Farmers$5,847.54Liberty Mutual$3,300.77USAA$3,457.18
Denver$4,451.50Allstate$6,122.07Farmers$6,017.55Liberty Mutual$3,345.16GEICO$3,449.52
Boone$4,416.55Allstate$6,195.05Farmers$5,955.20Liberty Mutual$2,782.94GEICO$3,359.96
Edgewater$4,413.46Farmers$6,279.67Allstate$6,091.35Liberty Mutual$3,136.43USAA$3,400.44
Conifer$4,356.88Allstate$6,303.70Farmers$5,645.34Liberty Mutual$2,816.90USAA$3,577.09
Pueblo$4,351.79Allstate$6,223.13Farmers$5,783.22Liberty Mutual$3,135.55GEICO$3,382.29
Kittredge$4,345.37Allstate$6,303.70Farmers$5,735.63Liberty Mutual$3,023.84USAA$3,281.91
Blende$4,307.21Allstate$6,286.45Farmers$5,462.17Liberty Mutual$3,128.26GEICO$3,359.96
Avondale$4,286.82Allstate$6,244.99Farmers$5,848.93Liberty Mutual$3,067.77GEICO$3,359.96
Pine$4,286.70Allstate$6,227.20Farmers$5,552.36Liberty Mutual$2,775.42USAA$3,350.30
Evergreen$4,275.74Allstate$6,303.70Farmers$5,490.26Liberty Mutual$3,023.84Nationwide$3,512.42
Cherry Hills Village$4,274.05Farmers$6,150.27Allstate$5,954.43Liberty Mutual$3,261.13GEICO$3,375.68
Berkley$4,258.11Farmers$5,906.16Allstate$5,785.95Liberty Mutual$3,185.40GEICO$3,219.53
Beulah$4,258.06Allstate$6,153.61Farmers$5,941.29Liberty Mutual$3,078.33American Family$3,353.48
Dupont$4,256.69Allstate$6,074.49Farmers$5,865.45Liberty Mutual$3,047.65GEICO$3,160.61
Kiowa$4,237.52Farmers$5,700.89Allstate$5,428.33Liberty Mutual$2,768.05GEICO$3,618.34
Pueblo West$4,237.11Allstate$6,244.99Farmers$5,447.51Liberty Mutual$3,149.36GEICO$3,268.81
Deer Trail$4,231.16Farmers$6,520.12Allstate$5,470.96Liberty Mutual$2,838.41State Farm$3,395.95
Calhan$4,227.68Farmers$5,999.58Allstate$5,669.62Liberty Mutual$2,646.84USAA$3,494.59
Fort Carson$4,204.82Allstate$6,083.85Farmers$5,557.52Liberty Mutual$2,867.51State Farm$3,357.87
Idaho Springs$4,194.17Allstate$6,032.22Farmers$5,510.99Liberty Mutual$3,168.00GEICO$3,170.65
Yoder$4,188.72Allstate$5,685.45Farmers$5,647.34Liberty Mutual$2,646.84State Farm$3,548.46
Indian Hills$4,187.74Farmers$5,975.56Allstate$5,645.56Liberty Mutual$2,975.13USAA$3,281.91
Lakewood$4,174.68Allstate$6,070.40Farmers$5,830.34Liberty Mutual$3,093.81GEICO$3,205.94
Buffalo Creek$4,171.50Farmers$5,663.46Allstate$5,569.05Liberty Mutual$2,929.81USAA$3,350.30
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Colorado Car Insurance Companies

Choosing the best car insurance company is an important decision that could potentially cost or save you hundreds of dollars annually. When you consider the hundreds of different companies from which to choose and all their various rates, discount programs, and ever-changing protocols, the task can become even more stressful.

How can you decide with any modicum of confidence? There isn’t enough time in the day to do substantial research on each insurer. Who’s going to give you the best rates? Who has the best customer service? Do you qualify for any discounts or upgrades?

Mulling over all these options without the proper guidance can lead to many sleepless nights in America.

Do not be anxious! We will provide you with the most meaningful data you’ll need when deciding on the best car insurance company for you. The public reputation and perception of any company from which you’re considering purchasing car insurance should be a major factor in your deliberations.

Financial Ratings

AM Best is a credit rating agency. They evaluate insurance companies and then give them a grade based on their financial stability. The table below shows the 10 largest insurance companies in Colorado by market share with their AM Best rating.

CompanyAM Best Rating
State FarmA++
USAAA++
GeicoA++
ProgressiveA+
AllstateA+
American FamilyA
FarmersA
Liberty MutualA
TravelersA++
NationwideA+
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Customer Satisfaction Ratings

J.D. Power insurance ratings is a trusted, third-party source for auto insurance ratings. These ratings are based on the opinions of a representative sample of customers who have used or purchased the product or service being rated and are therefore indicative of a typical buying experience.

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Companies in Colorado with the Least and Most Complaints

Honesty, loyalty, trust, and open communication are all key elements for successful relationships that are characterized by long-term satisfaction.

However, in some cases, longevity is impossible and dissatisfaction is inevitable. The relationship is on life support and there’s nothing anyone can do to save it.

In such cases where the customer is dissatisfied, he or she can file a complaint. Those complaints, justified or not, are factored into a company’s complaint ratios.

How many complaints does a company receive per one million dollars of business? The answer is the complaint ratio.

If you wish to file a complaint against a car insurance company in the state of Colorado, use this online form.

Company NameTotal ComplaintsConfirmed ComplaintsComplaint RatioCompany NameTotal ComplaintsConfirmed ComplaintsComplaint Ratio
AIG 000MetLife430.17
Essentia000Nationwide Agribusiness 630.18
Farmers Alliance Mutual 000360 Insurance 110.2
Grange 000Farmers53180.2
Great Northern 100.08USAA32110.2
Country Preferred 200.09Geico 620.21
Travelers Home and Marine 200.12Liberty Mutual43160.21
Amica Mutual 420.15State Farm174620.21
SECURA Supreme 100.15Horace Mann 100.22
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Complaint Ratios for Colorado’s 10 Largest Car Insurers

Here’s how the largest companies by market share compare for complaint ratios.

Largest Car Insurance Companies in Colorado

There are nearly 900 auto insurance companies registered in Colorado (858 to be exact). Ten of them are domestic and 848 are foreign to the Centennial State.

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Comparing quotes will help you know where to get started. Once you find the company that offers the best rates to you, do some more research into their financial rating, customer satisfaction rating, and complaint ratios. Then, you can confidently choose your insurer.

Another way to be certain you can maintain low insurance rates is to be a good driver. In order to be a good driver requires that you know the rules of the road and that you obey them. We’ll review the laws of the Rocky Mountain State so that you can keep a rock-solid driving record.

Colorado Car Insurance Rates by Company

Now, we’re going to compare and contrast the top car insurance companies to see which of them give the best rates on average in Colorado.

Colorado Rates by Carrier and Commute

Company10-mile Commute/6,000 Annual Mileage25-Mile Commute/12,000 annual mileage
Liberty Mutual$2,797.74 $2,797.74
Allstate$5,831.60 $5,831.60
State Farm$3,190.31 $3,351.22
Nationwide$3,739.47 $3,739.47
Progressive$4,231.92 $4,231.92
Geico$3,025.45 $3,157.93
USAA$3,244.04 $3,433.70
American Family$3,653.11 $3,812.93
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Colorado Rates by Carrier and Coverage Level

CompanyHighMediumLow
Allstate$5,856.45$5,518.14$5,236.91
American Family$3,842.92$3,809.91$3,546.22
Farmers$6,013.62$5,215.47$4,641.62
Geico$3,454.92$3,034.95$2,785.20
Liberty Mutual$2,969.02$2,787.15$2,637.04
Nationwide$3,729.76$3,740.53$3,748.13
Progressive$4,535.53$4,244.39$3,915.86
State Farm$3,487.06$3,272.35$3,052.89
USAA$3,486.28$3,338.66$3,191.66
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Colorado Rates by Carrier and Credit History

Have you ever wondered how your credit history influences the quotes you receive from car insurance companies? Consumer Reports conducted a study for Colorado analyzing the effect of credit history on premiums.

CompanyGoodFairPoor
Allstate$4,105.68$5,439.82$7,066.00
American Family$2,895.90$3,452.49$4,850.67
Farmers$4,739.93$4,988.44$6,142.35
Geico$2,465.94$3,091.66$3,717.48
Liberty Mutual$1,947.80$2,446.38$3,999.04
Nationwide$3,118.09$3,578.13$4,522.20
Progressive$3,768.17$4,108.11$4,819.49
State Farm$2,352.76$2,918.53$4,541.00
USAA$2,256.64$2,816.63$4,943.34
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Colorado Rates by Carrier and Driving Record

Traffic violations have the potential to cause your car insurance rates to rise a mile high. How adversely they will be affected will differ from company to company. Each insurance company has its own underwriting criteria and procedures.

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Here is a quick look at how top car insurance companies in the Mile High State price various driving infractions:

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Allstate$4,723.09$5,350.87$5,431.34$6,643.37
American Family$2,762.77$3,131.89$3,915.14$5,122.27
Farmers$4,468.57$5,283.78$5,743.39$5,665.21
Geico$2,184.55$2,858.30$3,395.15$3,928.75
Liberty Mutual$2,450.68$2,891.61$2,869.91$2,978.75
Nationwide$2,872.86$3,163.26$3,930.20$4,991.57
Progressive$3,665.41$4,278.14$5,115.10$3,869.05
State Farm$3,008.73$3,270.76$3,532.80$3,270.76
USAA$2,439.12$2,750.39$2,973.13$5,192.84
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Average Monthly Car Insurance Rates by Age & Gender in CO

CompanyDemographicAverage Annual RateRank     
Allstate F&CSingle 17-year old male$12,322.40 1
Farmers Ins Exchange 2.0Single 17-year old male$11,788.62 2
Allstate F&CSingle 17-year old female$11,732.84 3
Farmers Ins Exchange 2.0Single 17-year old female$11,703.79 4
Progressive DirectSingle 17-year old male$9,802.10 5
Progressive DirectSingle 17-year old female$8,765.26 6
American Family MutualSingle 17-year old male$8,292.20 7
AMCO InsuranceSingle 17-year old male$8,057.66 8
State Farm Mutual AutoSingle 17-year old male$7,471.21 9
Geico CasSingle 17-year old male$6,472.19 10
USAA CICSingle 17-year old male$6,398.91 11
AMCO InsuranceSingle 17-year old female$6,292.06 12
American Family MutualSingle 17-year old female$6,182.18 13
Geico CasSingle 17-year old female$6,116.54 14
Safeco Ins Co of AmericaSingle 17-year old male$6,061.99 15
State Farm Mutual AutoSingle 17-year old female$5,901.90 16
USAA CICSingle 17-year old female$5,582.30 17
Safeco Ins Co of AmericaSingle 17-year old female$5,559.53 18
Allstate F&CSingle 25-year old male$3,771.84 19
Allstate F&CSingle 25-year old female$3,748.22 20
Farmers Ins Exchange 2.0Single 25-year old male$3,436.88 21
Farmers Ins Exchange 2.0Single 25-year old female$3,401.12 22
Allstate F&CMarried 35-year old female$3,397.34 23
Allstate F&CMarried 35-year old male$3,180.33 24
USAA CICSingle 25-year old male$3,130.10 25
American Family MutualSingle 25-year old male$3,128.70 26
Farmers Ins Exchange 2.0Married 35-year old female$3,095.55 27
AMCO InsuranceSingle 25-year old male$3,094.73 28
Allstate F&CMarried 60-year old male$3,088.23 29
Farmers Ins Exchange 2.0Married 35-year old male$3,068.12 30
Allstate F&CMarried 60-year old female$3,056.13 31
Farmers Ins Exchange 2.0Married 60-year old male$3,023.70 32
Progressive DirectSingle 25-year old female$2,926.11 33
USAA CICSingle 25-year old female$2,873.09 34
AMCO InsuranceSingle 25-year old female$2,863.59 35
Progressive DirectSingle 25-year old male$2,846.92 36
Farmers Ins Exchange 2.0Married 60-year old female$2,804.12 37
State Farm Mutual AutoSingle 25-year old male$2,717.20 38
Progressive DirectMarried 35-year old female$2,593.20 39
American Family MutualMarried 35-year old female$2,552.17 40
American Family MutualMarried 35-year old male$2,552.17 40
American Family MutualSingle 25-year old female$2,552.17 40
AMCO InsuranceMarried 35-year old male$2,536.58 43
AMCO InsuranceMarried 35-year old female$2,490.00 44
Progressive DirectMarried 35-year old male$2,426.75 45
AMCO InsuranceMarried 60-year old male$2,354.68 46
Geico CasMarried 60-year old male$2,343.70 47
American Family MutualMarried 60-year old female$2,302.28 48
American Family MutualMarried 60-year old male$2,302.28 48
State Farm Mutual AutoSingle 25-year old female$2,293.13 50
Progressive DirectMarried 60-year old female$2,250.01 51
Progressive DirectMarried 60-year old male$2,245.05 52
USAA CICMarried 35-year old female$2,232.85 53
USAA CICMarried 35-year old male$2,232.55 54
AMCO InsuranceMarried 60-year old female$2,226.47 55
Geico CasMarried 35-year old male$2,140.86 56
USAA CICMarried 60-year old male$2,134.62 57
USAA CICMarried 60-year old female$2,126.52 58
Geico CasMarried 60-year old female$2,069.94 59
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Note: Choose the company that best meets your needs. Focus on yourself. There’s no need to apologize.

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A married 60-year-old female will pay $2,069.94 on average with Geico, compared to $3,056.13 she would pay with Allstate. That is a difference of a whopping $986.19. Clearly, it pays to shop around.

Colorado Laws

It would take a long time to memorize every law in Colorado. It’s important to follow the laws, but the details can get a bit foggy. We’ll help clear the haze by listing some of the driving laws most important to know.

Car Insurance Laws

Insurance companies in Colorado don’t have free reign to set rates however they want. Although they have leeway, they are governed.

Car Insurance Rate-Setting Regulations

While rates are regulated by “open competition,” rate increases and decreases will generally need to be approved by the State’s Insurance Commissioner.

High-Risk Insurance

If your license has been revoked or suspended, you may need to file an SR-22 to have your licenses reinstated. The SR-22 form is available from your insurance company but it is not an insurance policy.

The form is just assurance that you will have car insurance coverage. If your policy is canceled, the form ensures the insurer will notify the DMV of insurance cancellation, at which point, your license will be suspended.

You can change insurance companies while you’re required to file an SR-22, but you must get a new SR-22 with the new company before the old one goes out of effect.

Your license may be suspended for any of the following:

  • A DUI conviction
  • Driving without insurance
  • Repeat traffic offenses

Windshield Coverage

Some insurance companies may offer windshield replacement with comprehensive coverage, but there are no laws requiring insurers to cover windows.

Automobile Insurance Fraud in Colorado

Insurance fraud is the second largest economic crime in America. Premium rates are raised dramatically by insurance companies and passed on to the consumers in attempts to combat fraud.

There are two classifications of fraud: hard and soft.

  • Hard Fraud – A purposefully fabricated claim or accident
  • Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to forty percent of consumers admitted to lying to their insurer about one of the following:

  • Number of annual miles driven
  • Number of drivers in the household
  • How the vehicle would be used

Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is known as “rate evasion” and is a $16 billion annual expense to auto insurers.

Misrepresentation to an insurance company is considered a misdemeanor and falsifying claims is a class 5 felony.

Colorado has employed an Insurance Fraud Unit to investigate fraudulent activity throughout the state. According to the Attorney General’s Office,

The Unit also works closely with other agencies including the National Insurance Crime Bureau (NICB), Colorado Division of Insurance, FBI, and local police departments.

They are working to eliminate insurance fraud in the state.

Committing insurance fraud is a crime, no matter your justification. If you suspect insurance fraud or have been a victim of insurance fraud, you can fill out and turn in this form.

Statute of Limitations

Colorado’s statute of limitations for filing a claim is three years for both personal injury and property damage.

Vehicle Licensing Laws

These are important laws to get familiar with. Your car has to be registered and insured to go on the road. If not, you’ll pay.

Penalties for Driving Without Insurance

Colorado has a Motorist Insurance Information Database (MIIDB) program to which the police and DMV have access. Registration information is updated in the MIIDB daily and insurance information is updated weekly or more.

PenaltyFirst OffenseSecond Offense
Fine$500 minimum$1,000 minimum
PointsFourFour
License SuspensionUntil you show proof of insurance to the DMV Four months
Community ServicePossible up to 40 hoursPossible up to 40 hours
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Proof of Insurance

The following forms of proof of insurance are accepted in Colorado

  • Electronic – picture of a current insurance card or pdf file of coverage on a phone, tablet, or another electronic device
  • Insurance Card
  • Declaration Page
  • Letter/Binder – from the insurance company on their letterhead

Affidavit of Non-Use

The Colorado Department of Revenue, Division of Motor Vehicles states the following: “Colorado residents who wish to register vehicles that will not be operated for a period of time or are temporarily residing out of state with valid out of state insurance, may complete the Affidavit of Non-Use and submit it to their county motor vehicle office.”

Teen Driver Laws

Adopted in 2002, the Graduated Driver Licensing laws have been a huge success. Teen motor vehicle fatalities have dropped an astounding 67 percent since the program’s inception! To learn more about the rules and restrictions of the program, click here.

RestrictionsLearner's PermitRestricted LicenseUnrestricted License
Age15 - if enrolled, attending, and participating in driver's ed
15 1/2 - if completed a four-hour driver-awareness course
16 - if none of above
If under 18, one year after obtaining learner's permit17 - if held restricted license 12 months
18 - otherwise
PassengersMust be supervised by a licensed parent/guardian or their licensed adult appointeeFirst six months - no passengers under 21
Second six months - limit of one passenger under 21
(exceptions: siblings, family emergencies)
No restrictions
HoursNo restrictionsFirst year - no driving between midnight and 5 a.m. (exceptions: presence of a parent/guardian, driving to and from school activities or work, family emergency, being an emancipated teen)No restrictions
Cell phone useForbiddenForbiddenForbidden if under 18
Pre-requisitesIf under 18, parent or guardian must sign an affidavit of liabilityCompletion of 50 hours supervised driving, 10 of which at nightIf under 18, holding a restricted license for one year
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Older Driver License Renewal

Older drivers must get their licenses renewed every five years, which is the same requirement for the general population. The only difference is how they can renew. The exceptions to getting a license renewed in person are as follows:

  • General population – limited to two consecutive renewals online before having to go in person or every other renewal by mail
  • Over 66 years old – every other renewal may be by mail

New Resident Licensing

If you’ve recently moved to Colorado, you may be curious about when you’re required to get a Colorado license. The Colorado DMV website says you need a Colorado license within 30 days of residency. The residency requirements are as follows:

  • Own or operate a business in Colorado OR
  • Are gainfully employed in Colorado OR
  • Reside in Colorado for 90 consecutive days

Your valid driver’s license from your previous state of residence should be enough for you to not have to take a driving or written exam. When you go to the DMV to get a Colorado license, be prepared with the following documentation:

  • A valid driver license from the previous state of residence
  • Proof of your social security number
  • Two proofs of current Colorado address
  • Proof of lawful presence
  • Money for fees
After becoming a Colorado resident, you must register your vehicle within 90 days.

License Renewal

Driver licenses must be renewed every five years. You should not wait until your license expires.

Renewals may be completed online, in person, or by mail. There are restrictions on renewing online or by mail:

  • May renew by mail only every other renewal
  • Limited to two times in a row renewing online
  • Those 66 years old and older are limited to renewing by mail every other renewal at most

REAL ID

The Rocky Mountain State is compliant with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a Colorado-issued driver’s license or state ID is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

Rules of the Road

Colorado is a fault state, so the person at fault in an accident is responsible to pay for damages done to the other party. A fault state is also known as a tort state.

Keep Right and Move Over Laws

When driving, you must keep right when traveling slower than the average speed of traffic around you. On roads with a speed limit over 65 mph, the left lane is reserved for passing.

When stationary vehicles with emergency lights are present, drivers must vacate the lane nearest those vehicles if safe to do so, or they must slow down.

Colorado has increased penalties for motorists who fail to mover over and recklessly endanger the lives of law enforcement, first responders, and safety road workers. Legislators hope that stiffer penalties for “move over” law violators will help prevent tragedies like that of fallen state trooper Cody Donahue.

Speed Limits

Type of RoadwaySpeed Limit
Rural Interstates75 mph
Urban Interstates65 mph
Other Limited Access Roads65 mph
Other Roads65 mph
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Seatbelt Laws

Colorado laws mandate that motorists and front-seat passengers 16 years old and older must wear a seatbelt. A violation is a secondary offense. By itself, you cannot be pulled over for failure to wear a seatbelt. However, if stopped for another offense while failing to wear your seatbelt, you can receive a ticket for both the initial offense and for not having on a seatbelt. The minimum fine is $65.

Passengers under 16 years old must wear seatbelts at all times, and failure to do so is a primary offense for which you can be pulled over.

Riding in the cargo section of a pick-up truck is prohibited unless the cargo area is fully or partially enclosed on all four sides.

Car Seat Laws

Child safety seat laws are primary and you can be pulled over for violating them. The penalty is a $65 fine and a six dollar surcharge.

Ridesharing

The following insurance companies offer coverage for ridesharing services:

  • Farmers
  • USAA
  • Geico
  • Allstate
  • SafeCo
  • State Farm
  • MetLife
  • American Family

The level of coverage available for ridesharing varies. Some of these companies won’t provide coverage while a customer is in the car, others will with a surcharge, but none of these companies will drop you for offering ride-sharing services.

Colorado was the first to pass a regulatory bill for ridesharing companies in 2014.

Automation on the Road

Red Light Cameras

Colorado Red Light Cameras 
Statewide or localized?Statewide (requires local ordinance)
Violations?Red light
Who receives citation?Vehicle owner
Who is liable?Driver
What image is captured?Tag and driver
Penalty?$75, no points
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Red light cameras are prevalent in Colorado. The monetary penalty for running a red light and getting caught on camera is $75 but no points are added to your license. However, if you are stopped by law enforcement in person for a red light offense, the fine is $110 and four points will be assessed to your record.

Speed Enforcement Cameras

Colorado Automated Speed Enforcement 
Statewide or localized?Restricted to construction and school zones, residential areas, or adjacent to a municipal park; requires local ordinance and officer must be present
Violations?Speed
Citations issued to whom?Owner
Who is liable?Driver
What image is captured?Tag and Driver
Penalty?$40 maximum fine ($80 in school zones), no points, warning only for first violation within 10 mph of speed limit
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Speed enforcement cameras are also used in Colorado. Again, if you are stopped in person by an officer, four points will be added to your license and there will be a heftier fine to pay to the tune of $151.

Puffing Laws

Puffing a joint in Colorado may be legal; however, puffing your vehicle is not.

You may be asking, “What is exactly puffing your vehicle?”

When it’s cold outside and you start your vehicle to warm it up while you go back inside. That’s called “puffing” and in Colorado puffing is illegal. The law is in place to supposedly prevent auto theft.

Note: The exception is if you use a remote starter and your vehicle is locked without the keys inserted into the ignition.

Safety Laws

Encouraging safety and eliminating catastrophe are the ultimate goals of all traffic laws. The Colorado Department of Transportation (CDOT) has as created an online portal brimming with resources promoting useful safety tidbits and guides.

In accordance with the National Highway Traffic Saftey Administration (NHTSA), Colorado has developed the “Moving Towards Zero Deaths” Highway Safety Plan in 2014 as an additional resource for drivers.

DUI Laws

The first three DUI offenses are classified as misdemeanors. The fourth and following offenses are class 4 felonies. There is no official lookback period, so any DUI, no matter how far in the past can be considered in your sentence.

Colorado has two levels of intoxicated driving offenses:

  • Driving Under the Influence (DUI) – Blood alcohol content 0.08 percent or higher
  • Driving While Ability Impaired (DWAI) – Blood alcohol content 0.05 percent to 0.07 percent
Penalty TypeFirst Driving While Ability
Impaired (DWAI)
First Driving Under the Influence (DUI)Second DUI or DWAIThird and Subsequent DUIs and DWAIs
Revoked LicenseEight points on licenseNine monthsOne yearTwo years
ImprisonmentTwo days to 180 daysFive days to one year10 days to one year60 days to one year
Fine$200-$500$600-$1000$600-$1500$600-$1500
Community Service24 to 48 hours24 to 48 hours48 to 120 hours48 to 120 hours
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A law went into effect recently eliminating a loophole and mandating all persons with a felony DUI conviction to spend time behind bars.

Drug-Impaired Driving Laws

Driving under the influence of drugs is illegal and is subject to the same penalties as driving under the influence of alcohol.

Distracted Driving Laws

Cellphone and Texting Restrictions
 
Hand-held banNo
Young drivers all cellphone banUnder 18 years old
Texting banAll drivers
EnforcementPrimary
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The penalties are as follows:

Penalties for Illegal Handheld Use While Driving  
Class of DriverFirst OffenseSecond and Subsequent Offenses
Minor Drivers (all cellphone use)Class A traffic infraction
One point on license
$50 fine
One point on license
$100 fine
Adult Drivers (text messaging)Class 2 misdemeanor traffic offense
Four points on license
$300 fine
Bodily injury or proximate cause of death to another, class 1 misdemeanor
Four points on license
$1000 fine and/or up to one year imprisonment
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Points

Points System for Minors Under 18 
Time-framePoints requiring suspension
Within 12 months6
At any point before turning 187
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Points System for Adults 21 and older 
Time-framePoints requiring suspension
Within 12 months12
Within 24 months18
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Colorado Can’t-Miss Facts

Next, we’ll take a look at some interesting nuggets of knowledge about Colorado.

Vehicle Theft in Colorado

Even in the safest cities and states, you need to cautious of potential vehicle thefts.

Top Make and Model for Theft

Sedans manufactured by Honda and full-size pickup trucks are the top targets for thievery by burglars in Colorado.

Vehicle Theft by City

Now, we’ll look at the number of thefts in each of these cities.

CityNumber of Thefts
Denver3,487
Colorado Springs1,928
Aurora1,000
Lakewood623
Pueblo528
Thornton352
Westminster322
Arvada197
Greeley186
Commerce City183
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Risky and Harmful Behavior

Fatality Rates by County

County Name20132014201520162017
El Paso County6353484877
Weld County3555555566
Adams County3332446064
Denver County4042525449
Arapahoe County2130374645
Jefferson County4342554841
Larimer County2024334436
Pueblo County1419122034
Boulder County1216192431
Garfield County7881021
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Fatality Rates Rural Vs. Urban

Type of Roadway2008200920102011201220132014201520162017
Rural296252247227233244228260266277
Urban252213203220241238260285342369
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Fatalities by Person Type

Person TypeVehicles Type20132014201520162017
OccupantsPassenger Car141176163187199
Light Truck - Pickup7756776678
Light Truck - Utility85708585104
Light Truck - Van146212427
Light Truck - Other00102
Large Truck1110131826
Bus00011
Total Occupants331319364383437
MotorcyclistsMotorcycle8794106125103
NonoccupantsPedestrian5063597992
Bicyclist and Other Cyclist1210131616
Other/Unknown Nonoccupants22550
Total Nonoccupants647577100108
Occupants, Motorcyclists, and NonoccupantsTotal Traffic-Related Fatalities482488547608648
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Fatalities by Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)*482488547608648
- (1) Single Vehicle284273305344335
- (2) Involving a Large Truck5663648687
- (3) Involving Speeding151168217211230
- (4) Involving a Rollover197166195212228
- (5) Involving a Roadway Departure287285304295330
- (6) Involving an Intersection (or Intersection Related)118127153200190
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Fatalities Involving Speeding by County

Colorado Fatalities Involving Speeding by County    
County Name201520162017Three-Year Total
El Paso County15222966
Denver County28221565
Jefferson County22201860
Weld County25112056
Adams County17192056
Arapahoe County17191753
Larimer County9151640
Pueblo County441624
Garfield County561021
Douglas County48820
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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

County Name201520162017Three-Year Total
El Paso County17202461
Denver County15182053
Weld County19131345
Adams County11151844
Jefferson County1991341
Arapahoe County12131338
Larimer County8121131
Pueblo County331016
Garfield County37515
Boulder County53412
Douglas County45312
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EMS Response Time

Location of IncidentTime of Crash to EMS NotificationNotification to ArrivalArrival at Scene to Hospital ArrivalTime of Crash to Time of Hospital Arrival
Rural7.3312.0136.6848.96
Urban1.335.0922.2328.16
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Transportation

How does the commute look for Colorado residents? How many own a car? How do they get to work? We’ll answer those questions next.

Car Ownership

data-usa-bar-chart-car-ownership-Colorado

Commute Time

data-usa-bar-chart-commute-time-colorado

Commuter Transportation

data-usa-bar-chart-commuter-transportation-colorado

Top Cities for Traffic Congestion

Denver ranks 27th in North America and 136th in the world for traffic congestion in major cities.

Now that you know all the most important information about purchasing car insurance in Colorado, find the nearest pay phone and share with your friends.

Then all of you can begin your journey of saving money on your car insurance premiums by entering your zip code below and comparing quotes from top-rated insurers side-by-side for free!

Resources

https://www.aspensnowmass.com/ https://www.colorado.com/activities/colorado-hiking https://www.coloradowhitewaterrafting.com/ https://www.denverpost.com/2018/02/27/colorado-car-insurance-premiums-rise/ https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists http://www.rmiia.org/auto/steering_through_your_auto_policy/Auto_Insurance_Colorado_Requirements.asp https://www.thehartford.com/aarp/car-insurance/colorado https://www.colorado.gov/pacific/dora/division-insurance http://guides.wsj.com/personal-finance/insurance/how-much-car-insurance-do-you-need/ https://www.nytimes.com/1983/03/17/obituaries/arthur-godfrey-television-and-radio-star-dies-at-79.html http://www.e-gia.com/articles/Consumers%20Guide%20to%20Auto%20Insurance.pdf https://www.metromile.com/ https://www.nationwide.com/personal/insurance/auto/discounts/smartride/ https://www.statefarm.com/insurance/auto/discounts/drive-safe-save https://www.allstate.com/drive-wise.aspx https://www.colorado.com/articles/colorado-state-park-profile-golden-gate-canyon-state-park http://www.ambest.com/home/default.aspx https://www.colorado.gov/pacific/dora/insurance-complaint-ratio-and-complaint-index-information#Interactive%20Reports https://www.colorado.gov/pacific/dora/consumer-complaint-portal https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm https://www.naic.org/prod_serv/AUT-PB-14.pdf https://www.colorado.gov/pacific/dmv/sr22-and-insurance-information https://www.orrlaw.com/resources/traffic-offenses-resources/drivers-license-issues/sr-22-insurance/ http://www.carwindshields.info/states https://www.iii.org/article/background-on-insurance-fraud#No-Fault%20insurance%20fraud https://www.stopfraudcolorado.gov/fraud-center/insurance-fraud.html https://leg.colorado.gov/sites/default/files/images/olls/crs2016-title-18.pdf https://coag.gov/Report_Insurance_Fraud http://www.rmiia.org/auto/steering_through_your_auto_policy/Uninsured_Colorado.asp https://www.colorado.gov/driveinsured/ https://www.arapahoegov.com/309/Proof-of-Insurance-Information?NID=309 http://www.leg.state.co.us/clics/clics2013a/csl.nsf/fsbillcont3/E29C81963A46BAD987257AEE00588C8C?Open&file=1159_enr.pdf https://www.colorado.gov/pacific/dmv/registration-requirements https://www.colorado.gov/pacific/sites/default/files/DR2303_2.pdf https://www.codot.gov/safety/colorado-teen-drivers/Teens/getting-and-keeping-your-license http://www.rmiia.org/auto/teens/Colorado_GDL.asp https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=CO https://www.colorado.gov/pacific/dmv/new-colorado-0 https://www.colorado.gov/pacific/sites/default/files/DR2300.pdf https://www.colorado.gov/pacific/dmv/renewals https://www.dhs.gov/real-id/colorado https://law.justia.com/codes/colorado/2016/title-42/regulation-of-vehicles-and-traffic/article-4/part-10/section-42-4-1005/ https://drivinglaws.aaa.com/tag/move-over-law/ https://www.denverpost.com/2017/06/01/move-over-for-cody-act-john-hickenlooper-cody-donahue/ https://leg.colorado.gov/content/child-restraint-requirements https://www.pciaa.net/pciwebsite/cms/content/viewpage?sitePageId=40151 https://www.coloradopotguide.com/ https://www.nbc11news.com/content/news/What-you-need-to-know-about-Colorado-puffing-laws–472836803.html https://www.codot.gov/safety https://www.codot.gov/safety/safety-data-sources-information/safety-plans/colorado-strategic-highway-safety-plan https://www.colorado.gov/pacific/sites/default/files/DR2337.pdf https://www.denverpost.com/2017/08/07/colorado-felony-dui-offender-law/ http://inrix.com/scorecard/? https://youtu.be/KRaWnd3LJfs

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Average Monthly Car Insurance Rates by State
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Monthly Colorado Car Insurance Rates by ZIP Code
Colorado Car Insurance Rates by Company vs. State Average
Colorado Car Insurers by Market Share %
Factors Affecting Car Insurance Rates in Colorado
Average Monthly Car Insurance Rates by Age & Gender in Colorado
Average Monthly Car Insurance Rates by State
State Minimum Car Insurance Rates Nationwide
Monthly Colorado Car Insurance Rates by ZIP Code
Colorado Car Insurance Rates by Company vs. State Average
Colorado Car Insurers by Market Share %
Factors Affecting Car Insurance Rates in Colorado
Average Monthly Car Insurance Rates by Age & Gender in Colorado