Affordable Colorado car insurance that puts you first
Root rewards Colorado drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Colorado auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Colorado auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Centennial State
Colorado roads climb a little higher than most. Denver commuters, Colorado Springs drivers and weekend skiers all know that elevation and weather can change the drive quickly.
Along the Front Range: I-25 connects Fort Collins, Denver, Colorado Springs, and Pueblo, making it one of the state’s major north-south routes.
Heading for the mountains: I-70 carries drivers west toward Vail, Breckenridge, and other mountain destinations, while Boulder, Aspen, and Grand Junction offer very different Colorado drives.
Check conditions first: COtrip provides Colorado highway and road-condition information, especially useful before mountain travel.
From Denver to Colorado Springs and beyond: Explore Colorado car insurance from Root.
Colorado's minimum auto insurance requirements
To legally operate a vehicle in Colorado, you must carry Liability insurance for both bodily injury and property damage.
The minimum coverage amounts for liability car insurance required for drivers in Colorado are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$15,000 per accident
Types of Colorado auto insurance we offer
Explore our Colorado car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Colorado?
The average Colorado driver pays $3,181 per year for full coverage car insurance [2].
Root customers looking to purchase Colorado car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Colorado Auto Insurance FAQs
What is the minimum car insurance required in Colorado?
To legally operate a vehicle in Colorado, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Colorado.
Is it legal to drive without insurance in Colorado?
No, you cannot legally drive without auto insurance in Colorado. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Colorado?
Yes. Colorado requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Colorado?
The easiest ways to save on your Colorado car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Centennial State.
Is Colorado a no-fault car insurance state?
No, Colorado is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Colorado?
Colorado law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Colorado?
No, Colorado drivers are not required to carry uninsured/underinsured motorist coverage. Colorado insurers must offer UM/UIM coverage, but you can decline it in writing. UM/UIM helps pay for eligible injuries when the at-fault driver has no insurance or insufficient coverage. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Colorado?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Colorado?
High-risk Colorado drivers may be ordered by a court or the Colorado DMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
Is medical payments coverage required in Colorado?
No, Colorado drivers are not required to carry medical payments coverage. Colorado insurers must offer $5,000 in MedPay coverage, but you can decline it in writing. MedPay helps pay medical bills for you and your passengers after an accident, regardless of who caused it.
Does Colorado have a hands-free driving law?
Yes, Colorado has a hands-free driving law. Since January 1, 2025, Colorado drivers of all ages have been prohibited from holding or manually using a phone or other mobile device while driving. Hands-free accessories are allowed. Tickets can end up on your driving record and affect your rate, so it's best to set up navigation and music before you hit the road.
Helpful resources for Colorado drivers
Colorado Division of Motor Vehicles
The Colorado DMV issues driver's licenses and ID cards and oversees vehicle titles and registrations.
Colorado Department of Transportation
CDOT maintains Colorado's highways and shares travel and road condition updates through COtrip.
Colorado Division of Insurance
The Colorado Division of Insurance regulates insurance in the state and explains required auto coverage.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Colorado General Assembly. Mandatory Automobile Insurance in Colorado.
Insure.com. Annual average rates were compiled in 2026.