Colorado Car Insurance (CO)

Life in Colorado for active people means playing, and often living in the mountains.  It is a great place to be active – the Rockies can be an amusement park for many of us.  But driving to them and through them can be a challenge, especially in the winter, and that is why you want to have adequate car insurance.

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Colorado (CO) Car Insurance Requirements

Colorado law requires drivers to carry two types of liability insurance: bodily injury and property damage. Bodily injury requirements in Colorado are $25,000 for an individual, $50,000 for more than one person. This helps cover any injury-related costs incurred by the other party in the accident. $15,000 in property damage liability coverage is required to cover damages to the other car.
 
Colorado has a provisional requirement that your car insurance include coverage for uninsured and underinsured drivers. The requirement can be bypassed if you sign a waiver. Uninsured and underinsured motorist will help cover costs if you are in an accident with a driver who does not have insurance coverage, or whose current coverage is not adequate enough to meet your total expenses.

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Car Insurance Coverage Options in Colorado

To help round out your insurance policy, you may want to consider purchasing collision and comprehensive coverage. Collision coverage helps pay for damages to your car if you are at fault in an accident. Comprehensive insurance helps pay for damages to your car that is not accident-related, such as fire or storm damage, theft, or vandalism. If you decide to purchase these types of coverage, you should opt for the highest deductible payment you can comfortably afford, as this will help reduce your monthly premiums.

Also available is towing costs coverage, to pay to remove your vehicle from the scene of the accident, and rental reimbursement coverage, which helps pay for a rental car while yours is in the shop.

As an added layer of protection, you may also want to purchase coverage to protect you from uninsured or underinsured drivers. This type of coverage is meant to pay for injury related expenses incurred by you and your passengers in a collision with a driver that is uninsured, or whose insurance is insufficient to pay your expenses.

Car Insurance in Colorado Cities

Learn more about car insurance specifically in Denver.

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