Colorado Auto Insurance

"Being insured is the law in Colorado"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the province of Colorado.

• What does the law say pertaining to minimum insurance coverage in Colorado?

Colorado has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Colorado, you can obtain your learner’s permit at fifteen and your restricted license at sixteen, with a full license at sixteen and a half.

To adhere to Colorado's auto insurance rules, you must...

In Colorado, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Colorado requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Colorado, you must have third party liability insurance for bodily injury with each person allowed $25,000.00, up to maximum of $50,000.00, as well as an additional $15,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Colorado, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Colorado:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Colorado, but motorcycle helmets are not.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Colorado

Auto Insurance FAQ

Question: Does Colorado Traffic School offers Auto insurance discount along with ticket dismissal?
If I take Colorado Traffic School course will it reduces auto insurance fee as well as remove traffic points from my driving record.

Answer: By completing the Colorado Traffic School Online Course will help you to become a more educated and safer driver.It increases your knowledge, cancel the demerit points on your ticket, lower the auto insurance rates and acquire many more benefits only with Colorado Traffic School. More information on Colorado traffic school course benefits Log On : http://www.onlinetrafficschoolguide.com/ Thanking you

Question: Looking for auto and home insurance recommendation in Castle Rock, Colorado?
We will moving from Wisconsin to Castle Rock, CO in January, 2007. We are building a new home there. We would appreciate any auto and home insurance company recommendations & comments in that area for the best coverage & service at the lowest cost.

Answer: There are so many good home and auto insurers that to single any one out is a disservice to all of them. If you currently have auto and homeowner's insurance in Wisconsin and you are happy with the company(s), then just ask your current agent for an agent recommendation for your new location. Be prepared. Wisconsin is among the lowest priced states in the nation for auto insurance (Colorado used to be among the highest until it dropped No-Fault insurance a few years ago...not it is middle of the pack). And, Wisconsin is the cheapest state in the nation for its average homeowner's premiums. So, you are likely looking a pretty healthy increase in your premiums no matter what company you pick.

Question: is pip auto insurance required in the state of Colorado?

Answer: Yes it is. Here is all the state minimums http://info.insure.com/auto/minimum.htm

Question: I moved from Ohio to Colorado. Do I need to transfer the title to register my vehicle?
I have already applied for my Colorado Driver's License. That will be coming in the mail. I have my Ohio vehicle title and I have auto insurance through Progressive in Ohio. What's my next step?

Answer: Yes take your ohio title and insurance info to the colorado dmv and change the title to a colorado title and tags. You also need to call the insurance and tell them your new address in Colorado.......md

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