Great coverage and fair pricing
From Colorado Springs to Grand Junction and Denver to Fort Collins, car insurance in Colorado just got more affordable with Root. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. Good drivers could get quality auto insurance and save hundreds.
How it works
Traditional auto insurance companies base your rate on your demographic data. This data includes your age, marital status, and ZIP code. We know that’s not a fair way to offer car insurance. At Root, we base your auto insurance rate primarily on how you drive, not who you are.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
Colorado car insurance state requirements
What are the minimum auto insurance requirements in Colorado?
To legally operate a vehicle in Colorado, you must carry Liability insurance and Uninsured/Underinsured Motorist Protection coverage. If you’re found driving without these, you could face penalties.
You’re also required to show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Since Colorado now accepts electronic proof of insurance, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone.
Liability coverage
You are required to carry Liability coverage in Colorado. If you’re caught without it, you could get points on your license, a $500 minimum fine, have your driver’s license suspended, and face community service.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional car insurance coverages can help you avoid serious expenses in the event of a major accident.
Minimum required Liability coverage in CO:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
$15,000 Property Damage
Uninsured/Underinsured Motorist coverage
This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver who is underinsured or whose car insurance is insufficient to cover damages.
Minimum required Uninsured/Underinsured Motorist coverage:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
What is SR-22 insurance?
You may be legally required to file an SR-22 form (also known as SR22 insurance) from your insurance provider if your license has been suspended (or is in danger of suspension) or revoked.
SR-22 requirements vary by type of offense and number of offenses, and they may be required for a specific period of time. An SR-22 is not insurance; rather, it is a certification filed by your insurance company stating that you will maintain the minimum Liability insurance for a predetermined amount of time.
Failure to maintain your Colorado car insurance policy with a current SR-22 will result in another suspension of your driver's license. Essentially, the insurance company notifies the DMV that you are no longer keeping your SR-22 current and the DMV penalizes you.
Need an SR-22? We can help.
What other coverages does Root offer in Colorado?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of car insurance in Colorado?
The average driver in Colorado pays $1,761 [1] per year for their auto insurance, but many people pay much more—often to make up for bad drivers. Root doesn’t insure high-risk drivers, so Root customers looking for Colorado car insurance could save up to $900 a year—all while enjoying fair and simple car insurance.
A little research could save drivers in Colorado a lot of money
Follow these tips for comparing car insurance companies in Colorado.
Apples to apples: When determining which car insurance company is right for you, be sure that the quotes you get from each company include the same number of cars and drivers, and the same levels of coverage. In other words, compare apples to apples to get a clear picture of what your Colorado car insurance premium will be.
Protect yourself: While each state has their own minimum required coverage, when it comes to protecting yourself, your passengers, and your own vehicle, additional coverage could well be worth higher monthly premiums. For example, snow and ice in Colorado can make driving dangerous. Drivers often need snow chains for safety. If you slide through an intersection and strike a sign, having only the required state minimum car insurance in Colorado won’t help pay for repairs to your car, but having Collision coverage will.
Timing: There are certain times when it makes sense to consider switching your car insurance company: when you move, need to add or remove a car, or when you need to add or remove a driver. Why? These changes will likely impact your premium anyway, so take the opportunity to really consider your options and see if switching could save you money on Colorado car insurance.
Start saving on car insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.
References
Insure.com. Annual average rates were compiled in April 2020
Additional Resources
Colorado Car Insurance – DMV.org (Not a government agency)
Colorado Division of Motor Vehicles (CO DMV)