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Cheapest Car Insurance in Colorado

Colorado, home to the beautiful “Mile-High City” and the never-ending Rocky Mountains, boasts some of the most scenic ranches and properties in the U.S. Cool summers and breath-taking ski resorts continue to lure vacationers from the world over. Taking a drive through the “Centennial State” can relax the stressed and excite the bored. To help with driving in this picturesque state, has organized this list of helpful Colorado car insurance information, keeping every driver safe and protected.


To survive a winter in the rugged Rockies requires some serious knowledge about the area. Likewise, surviving as a driver requires serious knowledge about complicated laws and regulations. A few helpful reminders are included here to help protect, whether in the Rockies or in the suburbs.

Minimum Requirements for Car Insurance in Colorado

  • Although collision coverage is beneficial to every driver, the Colorado Department of Regulatory Agencies (DORA) requires a minimum of liability coverage.
  • Colorado Liability Coverage minimums include:
    • $25,000 per person in the case of bodily injury or death.
    • $50,000 per accident in the case of bodily injury or death. (involving multiple injured individuals)
    • $15,000 per accident for property damage.
    • $5,000 per accident in medical coverage. This coverage may be refused by the consumer in writing.
  • Failure to provide proof of insurance can result in vehicle impoundment, suspension of registration and/or suspension of drivers license.

New Driver Licensing Requirements

To obtain a Colorado drivers license, applicants are required to first obtain an Instruction Permit. To be eligible for the permit, the applicant must pass the vision test, the written test and be able to present identification and proof of Colorado residency. Once the applicant has kept the Instruction Permit for 12 months, the applicant is eligible to take the final road test and be issued a regular drivers license. The following lists information regarding the tests:

  • Vision Test. All applicants must pass the vision test with a vision acuity of 20/40 or better. There is no provision for telescopic lenses, and if corrective lenses are required to pass then they must be worn at all times while driving.
  • Written Test. According to the Colorado Driver Handbook, the written test covers the contents in the handbook along with common knowledge driving concepts.
  • Road Test. The road test is designed to evaluate an applicant’s ability to handle a vehicle. The applicant must provide a registered, insured and properly equipped vehicle. The Colorado Drivers Manual outlines the testing sections as Perceptual, Perceptual-Motor and Attention Sharing. The skills evaluated include:
    • Left and right turns
    • Stop intersections
    • Through intersections
    • Lane changes in traffic
    • General driving behavior
    • Merging into and from traffic
    • Lane selection
    • Lane management
    • Signals
    • Speed control
    • Stopping
    • Acceleration
    • Observation
  • Pay a License Fee. Colorado requires a $21 fee for a new drivers license.
  • Drivers Under the Age of 18. Colorado has instituted several permits to enable young drivers to learn to drive prior to being eligible for a regular driver’s license. The Colorado Driver Handbook outlines the stipulations of each. Listed here are the types of provisional permits:
    • Driver Education Permit for drivers ages 15 years to 15 years, 6 months.
    • Driver Awareness Permit for drivers ages 15 years, 6 months to 16 years.
    • Minor Instruction Permit for drivers ages 16 years to 21 years.
    • Minor License. This expires 20 days after the driver’s 21st birthday.


  • BAC limit: .08 While the official DUI limit is .08 BAC, the Colorado Driver Handbook points out that a .05 BAC is considered Driving While Ability Impaired (DWAI) which holds similar penalties as DUI and DWI. The penalties for each are included here:
  • DWAI First Offense:
    • No license suspension is received; however, the driver earns 8 points toward a license suspension.
    • Minimum $200 and maximum $500 fine.
    • Minimum 2 days and maximum 180 days in jail.
    • Minimum 24 hours and maximum 48 hours of public service.
  • DUI First Offense:
    • License Revocation of 9 months.
    • Minimum $600 and maximum $1000 fine.
    • Minimum 5 days and maximum 1 year in jail.
    • Minimum 48 hours and maximum 96 hours public service.
  • DUI or DWAI Second Offense:
    • License revocation of 1 year.
    • Minimum $600 and maximum $1500 fine.
    • Minimum 10 days and maximum 1 year in jail.
    • Minimum 48 hours and maximum 120 hours of public service.
  • DUI or DWAI Third or Subsequent Offense(s):
    • License revocation of 2 years.
    • Minimum $600 and maximum $1500 fine.
    • Minimum 60 days and maximum 1 year in jail.
    • Minimum 48 hours and maximum 120 hours of public service.
  • Colorado’s Zero Tolerance Law states that drivers under the age of 21 who are found to have a BAC of .02 but less than .08 are subject to mandatory revocation of their driving privileges.

Texting & Driving Laws

Colorado has banned all cell phone devices for novice drivers along with texting for all drivers according to

Unique Laws

Colorado, with still a little of the wild west in its blood, makes sure its residents have freedoms they deserve. For instance, mattress tags that read “Do not Remove by Law” may be legally removed in this state. Also, llamas can graze anywhere except on public property. And if, while driving in the state, an individual throws a missile at a car, that is illegal.


Best Cheap Car Insurance Quotes for Colorado

El Paso County Car Insurance

The second most populated county in the state, El Paso County includes the popular tourist draw of Colorado Springs, the county seat. Just over twice the size of Rhode Island, the county has mountains on its west side and prairies on the east.

Visitors come for the scenic views of Pike's Peak and the Garden of the Gods, as well as to climb a challenging incline in nearby Manitou Springs, and walk through the reconstructed ruins of the Manitou Cliff Dwellings.

County Sedan Suv Coupe Truck Hybrid
El Paso$1,301.00$1,089.00$1,220.00$1,303.00$1,372.00

Denver County Car Insurance

The county of Denver is combined with the city government of Denver, one of the fastest growing cities in the U.S. Nicknamed "the mile high city" because it is one mile above sea level, Denver has been recognized in recent years as one of the best cities for singles as well as the nation's most highly educated.

Denver brews more beer than any other U.S. City and also boasts the longest continuous street in the nation (Colfax Avenue). Denver also boasts the most park land, with 205 parks in the city and roughly 20,000 acres of parks in the nearby mountains.

County Sedan Suv Coupe Truck Hybrid

Arapahoe County Car Insurance

Named for a Native American tribe that lived in the region, Arapahoe County is part of the Denver metro area, stretching from Denver's southeast suburbs across Interstate 70 to the east. Littleton is its county seat, but the most populated city is Aurora, which spills over into two neighboring counties.

The 880-acre Cherry Creek State Park includes a recreational lake with marina and imported sand beach. Visitors also enjoy Littleton Museum, which is actually a working farm focusing on life in the 19th Century.

County Sedan Suv Coupe Truck Hybrid

Jefferson County Car Insurance

With the slogan, "Gateway to the Rocky Mountains," Jefferson County is often shortened to "Jeffco," and its school district, a business district and many county agencies are so named. Its county seat is Golden, the site of major employer Coors Brewing Co.

Bear Creek Lake Park offers outdoor recreation in Lakewood, the county's largest city with a population of about 150,000. Also in Jefferson County, the tiny town of Morrison is home to a 15-foot bronze statue of John Denver, complete with acoustic guitar and eagle.

County Sedan Suv Coupe Truck Hybrid

Adams County Car Insurance

With Denver County just to the south, Adams County is the state's fifth most populated, named for Gov. Alva Adams. Its seat is Brighton, a town of about 36,000 that also occupies part of neighboring Weld County.

Also located partly in Adams County is the City of Arvada, which boasts an Old Town section dating back to the mid-1800s. The city celebrated the U.S. Bicentennial year by opening a Center for the Arts and Humanities, which today includes a history museum, three theaters, art galleries and conference center.

County Sedan Suv Coupe Truck Hybrid

Larimer County Car Insurance

Named for Denver founder William Larimer Jr., Larimer County lies along the Wyoming border in northern Colorado. The county contains three official ghost towns, several mountain communities and Rocky Mountain National Park.

The county seat, Fort Collins, is its largest city with an estimated 156,480 residents. Tourists enjoy rafting and tubing, craft brewery tours in Fort Collins, the Devil's Backbone Nature Trail in nearby Loveland and the Peak to Peak Scenic Byway and Aerial Tramway in Estes Park.

County Sedan Suv Coupe Truck Hybrid

Boulder County Car Insurance

The setting for author Stephen King's "The Stand," Boulder is also where he lived when he penned his novel, "The Shining." The city of Boulder, the county's seat and largest community, lies at the foothills of the Rocky Mountains, just 25 miles northwest of Denver.

Home of the main campus of the University of Colorado, Boulder has a population younger than the U.S. average and offers thousands of acres of outdoor recreational space, including rock climbing routes. Some of the more interesting annual events in Boulder include the Halloween "Naked Pumpkin Run," recently curbed by threats of indecent exposure charges, and the Polar Bear Plunge on New Year's Day in the icy Boulder Reservoir.

County Sedan Suv Coupe Truck Hybrid

Douglas County Car Insurance

Halfway between Colorado's two largest cities, Denver and Colorado Springs, lies Douglas County, situated on either side of Interstate 25. Considered part of the Denver metro area, Douglas County has the highest median income in the state, with upscale suburbs quickly replacing rural ranches. Many of its residents commute north or south to work in the city.

The county seat is Castle Rock, a city of about 56,000 that frequently makes various "Best Places to Live" and "Best Towns for Families" rankings. Its school system was ranked No. 1 in the Denver metro area out of 122 districts by

County Sedan Suv Coupe Truck Hybrid

Weld County Car Insurance

A geographically large county bordering both Nebraska and Wyoming, Weld County lies in a relatively flat east section of Colorado. The county has the dubious honor of having the most confirmed tornado sightings, 252, between 1950 and 2011. Its seat is Greeley, a city of about 100,000 located about 50 miles from Denver.

Hikers and bikers enjoy spotting wild turkeys and bald eagles on the Poudre River Trail. Greeley is home to the Colorado Railroad Museum and Centennial Village Museum. The isolated Pawnee National Grasslands is a must-see for those drawn to wide open spaces.

County Sedan Suv Coupe Truck Hybrid

Pueblo County Car Insurance

Named after the Spanish word for "village," Pueblo County, and its seat, the City of Pueblo, is just south of Colorado Springs near the state's southern border. In 2017, Pueblo became the first governmental body to offer college scholarships funded by marijuana taxes.

The Arkansas Riverwalk is a voter-approved project that includes boat rides. The county is also home to the Pueblo Weisbrod Aircraft Museum, as it was a large military base during World War II. Pueblo's "City Park" encompasses its popular zoo, shooting range and children's rides, including a 100-year-old Merry-Go-Round.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Clear Creek$1,556.00$1,265.00$1,414.00$1,613.00$1,701.00
El Paso$1,301.00$1,089.00$1,220.00$1,303.00$1,372.00
Kit Carson$1,242.00$1,007.00$1,116.00$1,309.00$1,381.00
La Plata$1,157.00$948.00$1,057.00$1,203.00$1,271.00
Las Animas$1,218.00$990.00$1,111.00$1,261.00$1,335.00
Rio Blanco$1,058.00$861.00$969.00$1,093.00$1,156.00
Rio Grande$1,080.00$881.00$989.00$1,110.00$1,175.00
San Juan$1,263.00$1,026.00$1,142.00$1,325.00$1,400.00
San Miguel$1,227.00$995.00$1,106.00$1,281.00$1,352.00
Yuma$1,239.00$1,000.00$1,104.00$1,318.00$1,390.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums. reports that Colorado’s auto insurance premiums, although historically above the national average, have fallen below during the last 10 years. Colorado’s auto premiums as a percentage of income have historically been below average but have inched up closer to the average since 2009.

Drunk Driving Fatalities

In 2011, Colorado saw a large spike in drunk driving fatalities, surging well above the national average. However, the National Highway Traffic Safety Administration indicates that 2012 saw a noticeable decline, bringing the number below the national average once again. That changed in 2014 with a new spike in fatalities.

Teen Drinking and Driving

The Center for Disease Control reports Colorado’s teen drinking and driving percentage to be more than 1.5 percent lower than the national average. The national average percentage is reported at 10.1 percent, while Colorado’s teens average 8.5 percent.

Vehicular Theft in Colorado

Colorado’s vehicle thefts were far below the national average in 2011; however, the FBI reports a jump in thefts in 2012. Colorado currently surpasses the national average thanks to a dip in the national numbers in 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversAmerican Family
Drivers with poor creditAmerican Family
Retired driversAmerican Family
Drivers with a military affiliationUSAA


State Department of Insurance

Colorado Department of Regulatory Agencies
Division of Insurance
1560 Broadway, Ste. 850
Denver, CO 80202
(303) 894-7499
Toll free (800) 930-3745
Get directions

Department of Transportation

Colorado Department of Transportation
4201 E. Arkansas Ave.
Denver, CO 80222
(303) 757-9011
Get directions

Department of Motor Vehicles

Colorado Department of Revenue
Division of Motor Vehicles
1881 Pierce St.
Lakewood, CO 80214
(303) 205-5600
Get directions

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