Colorado Car Insurance

Get a Colorado Car Insurance Quote 

Whether you're hitting the slopes or heading to the office, make sure you have valid Colorado car insurance when you drive in the Centennial State. Drivers who fail to show proof of insurance can face penalties upwards of $500, points added to their driving record, and in some cases suspended licenses and community service hours. Drivers are also required to show proof of insurance to the Colorado Bureau of Motor Vehicles to register vehicles. If you need car insurance or want to switch companies, you can get Colorado car insurance quotes online.

Colorado Car Insurance Requirements

In Colorado, drivers are required to have the following car insurance coverage:

  • Bodily injury: $25,000 per person, $50,000 per accident
  • Property damage: $15,000 per accident
  • Uninsured motorist: $25,000 per person, $50,000 per accident*
  • Medical payments: $5,000 per accident*

*Uninsured motorist and medical payments can be rejected by signing an option form.

There are other optional Colorado car insurance coverages that you may carry to better protect yourself and your vehicles. A GEICO insurance specialist can assist you in choosing the best Colorado auto coverage for your needs.

Save on Colorado Car Insurance with Discounts from GEICO

GEICO offers many car insurance discounts to Colorado drivers to help them secure the coverage they need at an affordable price. Some of our discounts include:

  • Safe Driver Discounts: GEICO rewards drivers with clean records. If you have a driving history free of accidents and traffic violations, you may qualify for a safe driver discount. Maintaining a good driving record not only keeps you safe but also keeps more money in your pocket. 

  • Multi-Policy Discounts: Bundling your car insurance with other policies, such as homeowners or renters insurance, can lead to substantial savings. GEICO offers discounts when you have multiple policies with us, making it easier and more affordable to protect all aspects of your life.

  • Good Student Discounts: Students who achieve good grades may be eligible for discounts on their car insurance. If you or a family member on your policy is a full-time student with a B average or higher, you could benefit from this discount. Encouraging academic excellence not only pays off in school but also helps lower your insurance costs.

Penalties for Driving Without Insurance in Colorado

Driving without insurance in Colorado can result in severe penalties. For a first offense, uninsured drivers face a minimum fine of $500, up to 4 months of driver's license suspension, 4 points on their driving record, and an SR-22 filing requirement for up to three years. Subsequent offenses incur higher fines, longer suspensions, and continued SR-22 requirements. Additional consequences include vehicle impoundment and increased future insurance premiums. Maintaining the required minimum coverage is essential to avoid these penalties and ensure you are protected in an accident.

Get Your Free Quote for Colorado Car Insurance at GEICO

Discover how much you can save with GEICO's competitive rates. Get a free quote for Colorado car insurance and find the best coverage options tailored to your needs. Get a quote today!

Colorado Teen Driver Licensing Process

For Colorado teens who want to get their license on their 16th birthday, they'll need to start driver's education before age 15. Colorado requires teens to have held a learner's permit for at least 12 months before applying for a Colorado driver's license. Colorado law prohibits drivers under 18 years of age from using a mobile phone at all while driving unless it is to contact the police, fire department, or it is an emergency. Drivers 18 and older may not use a mobile phone for text messaging while driving unless it's to contact the police, fire department, or it's an emergency.

Colorado Registration Information

If you have recently moved to Colorado, you must apply for a Colorado title and registration for your vehicle within 30 days from establishing Colorado residency. You will need to apply in the County Motor Vehicle Office in the county where you reside.

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