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Colorado Car Insurance

You can ski in Steamboat Springs, catch a summer concert at Red Rocks Amphitheatre, hike through the trails in Rocky Mountain National Park or take in the fall foliage at Kebler Pass. Colorado offers a variety of activities year-round that are only a road trip away. Amica is here to help protect you from accidents and unforeseen events on road, no matter the season.

Amica offers customized Colorado car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Auto insurance minimums in Colorado

In Colorado, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability:
    • $15,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs, and lost wages. It may also cover legal defense costs if you’re sued. This coverage is subject to policy limits and exclusions.

Property damage liability coverage: This coverage helps with damage you cause to someone else’s property in an auto accident where you’re at fault. It includes costs for repairing or replacing the other party’s vehicle and other damaged property, like buildings or fences. It may also cover legal fees if you’re sued for the damage. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, if you opt for uninsured motorist bodily injury coverage, uninsured motorist property damage coverage and medical payments, Colorado requires the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person*
    • $50,000 per accident*
  • Uninsured Motorist Property Damage Coverage:
    • $15,000 per accident*
  • Medical Payments:
    • $5,000 per accident*

Uninsured/underinsured motorist bodily injury coverage: This coverage applies if you're hurt in a car accident and the responsible party doesn't have insurance or doesn't have enough insurance to cover your injuries.

Uninsured motorist property damage coverage: This insurance helps pay for your vehicle in the event it’s damaged in an accident caused by an uninsured driver or a hit-and-run driver who cannot be identified.

Medical payments: Covers medical expenses for you and your passengers after an accident, regardless of fault. Medical payments coverage can help cover costs like hospital stays, surgery and rehabilitation.

*In Colorado these coverages can be rejected by signing a form.

It’s important to understand that these coverages are just the minimum requirements, and Colorado drivers may choose higher coverage limits for added protection.

Additional Colorado car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
  • Roadside assistance coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

What affects your Colorado car insurance rates

There are several factors that impact auto insurance in Colorado, including individual circumstances, geographical location, driving history and more. Here are some points to consider:

  • Coverage options and limits: Opting for the required coverage in Colorado is usually less expensive, while adding optional coverages with higher limits increases premiums. 
  • Vehicle type: Factors like the make and model of your vehicle safety ratings, repair costs and likelihood of theft influence Colorado car insurance premiums. 
  • Claims in Colorado: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Colorado. 
  • Weather patterns: Weather-related incidents impact Colorado car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Colorado car insurance discounts for more savings

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some ways Colorado drivers can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Colorado policy premium up front.

If you're an Colorado driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Colorado

Fun facts about Colorado:

  • Colorado ranks top 10 in the U.S. for electric vehicle ownership per capita. 2
  • Reaching over 14,000 feet, Mount Blue Sky Scenic Byway is the highest road in North America.3
  • Located west of Denver, the Eisenhower Tunnel is the longest and highest mountain tunnel in the Interstate Highway System.3

Facts about driving in Colorado:

  • A 2019 update to Colorado’s Traction Law requires cars to have winter tires or chains from September to May if you’re driving in certain mountainous areas.4
  • Colorado has Express Lanes, which are toll lanes designed to manage traffic on certain highways. During times of higher congestion, the toll increases and when there are fewer cars on the road, the toll decreases. 4 
  • Colorado has MV Express Kiosks located across the state where you can renew your registration, print your registration or check the status of a title.5

How to get car insurance in Colorado

We’re here to guide you through the process of personalizing your car insurance in Colorado. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Colorado drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Colorado drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881


1 Discounts not available in all states and may vary. 

2 Alternative Fuels Data Center U.S. Department of Energy

3 Colorado Department of Transportation

4 Colorado Department of Revenue Division of Motor Vehicles

5 Colorado Facts and Figures 
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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