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Liability Insurance Colorado

All About Auto Insurance In Colorado – Minimum Liability Requirements: 25/50/15

Auto Insurance, Now in 34 states!

Liability Insurance Colorado

All About Auto Insurance In Colorado – Minimum Liability Requirements: 25/50/15

Liability Insurance Colorado Minimum Requirements

As stated above the liability limits for the state of Colorado is 25/50/15, if you have these coverages then you are legally able to traverse the roads of CO.

Having Colorado liability insurance is required to drive in the state.

You would be shocked to know that 40% of drivers in CO have the required liability limits, which has led to much higher rates than others.

You may wonder how much insurance you really need and what does this 25/50/ even cover? The law in Colorado mandates that the auto insurance policies should provide the following:

For bodily injury liability insurance Colorado coverage, it will cover accidents that a person causes where another person is hurt or even killed. According to the laws of Colorado, the limit is $25,000 for every person and $50,000 for every accident for bodily injury.

In line with this, one must consider the assets that must be protected and the amount that one can afford before deciding on what to purchase.

CarrierPrice
Dairyland$77
Progressive Insurance$88
Bristol West$91
AssuranceAmerica$98
National General$102
Mendota Ins. Company$103
The General$106
Geico$108
USAA$116
State Farm$119
Acceptance RTR$124
Farmers$133
21st Century$143
American Family$144
Safeco$152
Liability Insurance – Colorado

Minimum Property Damage Liability Insurance Colorado

When it comes to Property Damage liability in Colorado, the minimum required by the State is $15,000. If this is where your policy range is then you are set. But does this mean this is where you should set you Property Liability limit?

Why might you set your limits higher? There are a few reasons that you might bump up your limits to a higher amount.

  1. It doesn’t dramatically raise your rate! The difference between $15,000 in Property Damage and $25,000 in Property damage is barely $27.00 for 6 months in most cases. Thirty extra dollars for 10 GRAND more in property damage coverage is a no brainer.
  2. Look at the vehicles around you. Notice Tesla, new Trucks like the Ford Maverick or Bronco, or Maserati’s zooming past ya? Those cars are much more expensive than the average Toyota cruising around. More to the point MANY vehicles today aren’t even worth $15,000… Prices have soared and you do not want to be responsible for the cost.

Why is liability insurance so cheap?

Understanding the affordability of liability insurance in Colorado requires considering several factors. One reason liability insurance tends to be cheaper than other types of coverage is that it only provides protection for damages you cause to others in an accident. Since it doesn’t cover damage to your vehicle or medical expenses for yourself, the premiums are generally lower. Additionally, liability insurance is required by law in most states, including Colorado, which increases the demand and competition among insurance providers, leading to lower prices for consumers.

Key Points to Consider:

  • Limited Coverage: Liability insurance only covers damages to others, not yourself or your vehicle.
  • Legal Requirement: It’s mandatory in Colorado and most other states, increasing competition among insurers.
  • Risk Assessment: Insurance companies assess lower risk for liability-only policies compared to full coverage, resulting in cheaper premiums.

While liability insurance offers essential protection at an affordable price, it’s crucial to consider your coverage needs and potential risks when selecting your policy.

Liability Insurance Colorado & SR22 FAQ

Why Would Someone Need an SR22 Filing?

Multiple violations, a DUI, or driving without proper liability insurance can incur fines that include being required to file an SR22 in your State.

Is SR22 Insurance Expensive?

SR22 is not insurance, but it is a filing done for you by the insurance company confirming that you are insured with Liability Insurance. The minute the insurance lapses, the Carrier informs that State that you are not insured. In most cases it isn’t more than $25.

How Do I File the SR22?

An individual cannot file the SR22, it must be filed by the insurance carriers. But when shopping, just ask for SR22.

Why is SR22 Insurance so Expensive?

As mentioned, SR22 is not insurance but a filing fee that you have the State minimum liability insurance in-force. The cost with this policy is due to the violations on the individual policy.

How Long Do I Need to Carry an SR22 on My Insurance?

Varies depending on the violations. Always check with your state DMV if uncertain.

What is Required to Fulfill the SR22?

At least the state minimum in liability insurance.

Cheap Liability Insurance Colorado: Average Premium by Carrier

CompanyAverage Cost
Mendota Ins. Company$97
National General$104
The General$104
Dairyland$110
Progressive Insurance$111
Bristol West$112
AssuranceAmerica$117
Farmers$117
Acceptance RTR$124
21st Century$128
State Farm$134
Geico$135
State Auto$135
USAA$135
Travelers$150
Liability Insurance Colorado

Liability Insurance Colorado Average Cost by City

CityAverage Price
Redlands$107.00
Brighton$108.00
Cherry Creek$108.00
Sterling$92.00
Cañon City$100.00
Fruita$91.00
Englewood$88.00
Fort Collins$94.00
Fountain$103.00
Steamboat Springs$94.00
Longmont$100.00
Evans$91.00
Montrose$91.00
Clifton$101.00
Columbine$108.00
Centennial$91.00
Grand Junction$89.00
Durango$99.00
Lakewood$94.00
Superior$86.00
Arvada$93.00
Frederick$89.00
Federal Heights$107.00
Windsor$99.00
Loveland$88.00
Berkley$97.00
Johnstown$103.00
Delta$97.00
Sherrelwood$101.00
Denver$88.00
Glenwood Springs$107.00
Derby$96.00
Greeley$98.00
Pueblo West$100.00
Black Forest$101.00
Rifle$99.00
Colorado Springs$104.00
Alamosa$88.00
Commerce City$86.00
Castle Pines$92.00
The Pinery$109.00
Broomfield$97.00
Wellington$108.00
Cimarron Hills$107.00
Fort Morgan$103.00
Louisville$91.00
Security-Widefield$93.00
Littleton$98.00
Liability Insurance Colorado

Who Has The Lowest Liability Price? (By City)

CityCompany
FruitaLiberty Mutual
FrederickProgressive
EnglewoodGeico
EdwardsThe General
Wheat RidgeProgressive
CentennialProgressive
Grand JunctionThe General
ColumbineGeico
Fort CollinsLiberty Mutual
GunbarrelProgressive
GoldenDairyland*
Fort MorganProgressive
Pueblo WestGeico
Ken CarylGeico
LakewoodFarmers
FirestoneProgressive
BrightonThe General
AlamosaGeico
Colorado SpringsGeico
ArvadaThe General
BoulderGeico
DenverThe General
Federal HeightsFarmers
LafayetteThe General
RifleThe General
EvansGeico
GreeleyFarmers
Steamboat SpringsLiberty Mutual
Castle RockProgressive
LovelandBristol West
Security-WidefieldBristol West
ParkerProgressive
Lone TreeBristol West
WelbyProgressive
Dakota RidgeThe General
FountainThe General
AuroraLiberty Mutual
LongmontNational General
WoodmoorThe General
WestminsterNational General
JohnstownGeico
LittletonThe General
SterlingNational General
Fort CarsonProgressive
CliftonGeico
Roxborough ParkThe General
Black ForestThe General
Castle PinesProgressive
The PineryFarmers
BroomfieldDairyland*
Cimarron HillsLiberty Mutual
Glenwood SpringsProgressive
Greenwood VillageProgressive
DurangoThe General
WindsorProgressive
SherrelwoodThe General

Should I Get Full CoverageCalculator


Should I Upgrade To Full Coverage? Cost By City

CityAverage Price
Superior$162
Boulder$169
Lone Tree$172
Loveland$158
Commerce City$175
Edwards$157
Fort Collins$153
Wellington$160
Littleton$167
Brighton$154
Greenwood Village$161
Denver$161
Evans$165
Welby$172
Woodmoor$148
Delta$152
Redlands$156
Highlands Ranch$173
Grand Junction$158
Evergreen$175
Northglenn$179
Berkley$157
Dakota Ridge$152
Sherrelwood$180
Security-Widefield$163
Colorado Springs$178
Englewood$161
Columbine$152
Fountain$155
Louisville$152
Windsor$181
Derby$150
Aurora$155
Erie$157
Pueblo West$171
Lakewood$153
Wheat Ridge$151
The Pinery$167
Alamosa$166
Greeley$180
Durango$163
Gunbarrel$161
Thornton$151
Glenwood Springs$166
Parker$173
Cimarron Hills$163
Steamboat Springs$182
Cherry Creek$161
Firestone$170
Ken Caryl$159
Castle Pines$159
Lafayette$170

What is Uninsured Motorist Protection?

Liability Insurance Colorado

For underinsured or uninsured motorist coverage, this will cover medical as well as other expenses whenever one is hit by a driver who does not have adequate auto insurance.

Uninsured motorist bodily injury protection, helps protect you and your passengers medically if you are hit by another driver, and they are found to be the one at fault, and they either do not have an active insurance policy or maybe carrying liability limits lower than your policy.

Once you have uninsured motorist bodily injury protection, you can also purchase uninsured motorist property damage protection.  This coverage will protect damage done to your vehicle if it is hit by an uninsured person, or possibly a hit and run accident.

A person may purchase added coverage to pay for the damage to one’s car if it is hit by an uninsured motorist. However, most will purchase collision as well as comprehensive instead.

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In Colorado, the insurers are actually required to offer under-insured or uninsured motorist coverage in the same amount as that of bodily injury liability insurance Colorado limits that a person selects. This type of coverage may be waived only if this is rejected in writing. The limit that must be selected starts at $25,000 or $50,000, which is the same amount of the minimum liability limit in Colorado.

Most people opt to carry this since this can actually cover economic damages like medical bills and non-economic damages for cases wherein the other person in the accident is uninsured and under-insured.

What is liability insurance and why do I need it in Colorado?

Liability insurance provides coverage for bodily injury and property damage that you may cause to others. In Colorado, it’s mandatory for drivers, and having liability coverage protects you from financial loss in case of an accident.

How much liability coverage do I need for my car in Colorado?

The required minimum liability coverage in Colorado is typically expressed as three numbers, such as 25/50/15, representing the coverage limits in thousands of dollars for bodily injury per person, bodily injury per accident, and property damage, respectively. However, it’s often advisable to consider higher coverage limits for better protection.

For personalized advice on liability insurance in Colorado, call A Plus Insurance at 1.888.445.2793.

Have specific questions or need assistance in choosing the right liability coverage? Call A Plus Insurance at 1.888.445.2793 for personalized guidance and expert advice tailored to your needs.

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Last Updated on by Camron Moss

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