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 heavily rely on demographics—how old you are, your credit score, marital status, ZIP code, whether you own a home, etc.—when determining your car insurance rate. While we also take demographics into account when determining the rate we offer you, how safe you are behind the wheel is the #1 factor influencing your rate.
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. If you’re found driving without it, 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 typically 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
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
What is the average cost of car insurance in Colorado?
The average driver in Colorado pays $2,337 [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.
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 2023
Additional Resources
Colorado Car Insurance – DMV.org (Not a government agency)
Colorado Division of Motor Vehicles (CO DMV)