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Colorado Auto Insurance
Whether you’re a new driver or just new to the state, auto insurance in Colorado is unique from the other 49 states in the union. If you’re looking to learn more about cheap auto insurance and Colorado driving laws, keep these facts in mind.
Car Insurance Requirements in Colorado
Colorado minimum auto insurance requirements include the following coverages:
- $25,000 of bodily injury protection (per person)
- $50,000 of bodily injury protection (per accident)
- $15,000 of property damage liability (per accident)
Colorado car insurance laws also require drivers to purchase uninsured and underinsured motorist protection. However, this requirement can be waived in writing if the driver does not wish to pay for the additional coverage.
Is Colorado a No-Fault State?
No, Colorado changed in 2026 from a no-fault state to an at-fault state. This means that all drivers are held liable for financial damages if they are found liable for an accident.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Colorado
Average car insurance rates for those in Colorado are around $1,300 a year, though rates can vary drastically based on the type of car you own, where you live, and how you drive.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 57% | Female – 43% | Denver | ||
| 25 – 54 | Ford | Male – 51% | Female – 49% | Denver | ||
| 55 – 64 | Ford | Male – 44% | Female – 56% | Denver | ||
| 65 + | Ford | Male – 44% | Female – 56% | Denver | ||
* This information is based on Pretected.com users.
Auto Insurance for Good Drivers
Auto insurance rates for safe drivers with excellent credit scores tend to be a lot lower than those with multiple blemishes on their record. Taking additional safety training courses can improve your skills on the road.
Auto Insurance for Bad Drivers
While bad drivers certainly aren’t bad, they are charged more for their auto insurance. Poor drivers are classified as those with multiple infractions (e.g., DUIs, accidents, speeding tickets, etc). The more tarnished a driver’s record is, the more they’ll pay in auto insurance rates.
Traffic Violations and Fines in Colorado
The average cost of a speeding ticket in Colorado is between $80 ““ $150, depending on how fast you were going at the time. Reckless driving in Colorado can cost you between $150 ““ $300 in fines and 10 ““ 90 days in jail.
Driving While High Laws in Colorado
While marijuana may be legal in Colorado for those 21 and over, it is still illegal to drive while high in Colorado. Fines can be as high as $1,500 with up to a year in jail and up to 8 points on your driver’s license.
Driving Without Car Insurance in Colorado
Driving without car insurance in Colorado will earn you 4 points on your license and a minimum of $500 in fines. You may have your license revoked until you can show proof of insurance.
Texting and Driving in Colorado
Cell phone use in Colorado while driving is banned entirely for those 18 and under. However, texting while driving if you are above the age of 18 is considered legal “” so long as the driver is doing so responsibly. However, because this definition is so vague, drivers are still encouraged to refrain from texting. There are no official statewide laws about distracted driving, including eating while driving, but some cities have specific rules against distracted driving.
Driving a black car on Sundays in a no-no in Colorado (even if the law is never enforced)
Colorado Car Accidents
There were just under 27,000 car accidents in 2026, representing a tiny drop in total accidents from 2026. There were 329 fatal crashes and 3,496 crashes that resulted in injuries.
Reasons for Car Accidents in Colorado
Distracted driving, speeding, and drunk driving were the top three contributors to accidents in Colorado.
Car Accident Statistics by Vehicle Type in Colorado
Most accidents occurred due to four-wheel vehicles. There were 125 motorcyclist deaths in 2026, and an average of 10 bicycle fatalities in the state. There were 84 pedestrian fatalities in 2026.
Car Accidents in Colorado – More Facts
Traffic fatalities dropped 34% between 2026 and 2026 in the state.
49% of all fatalities in 2026 occurred due to an unbelted rider or driver.
Motorcycle drivers are the most vulnerable on the road.
An average of 1 in 33 drivers will die in a crash (per year).
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Colorado
- You can make a left-hand turn on red from a one-way street to a one-way street (unless explicitly prohibited)
- Headphones of any kind are strictly banned for all drivers
Looking for Auto insurance in Colorado? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.