Tailored, Affordable Protection from Over 100 Top-Rated Carriers
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Colorado law makes it illegal to operate a vehicle without insurance. All drivers must carry specific coverages that protect both themselves and others in the event of an accident.
Here’s a breakdown of the minimum auto insurance requirements in Colorado:
| Coverage | Minimum Amount Required |
|---|---|
| Bodily Injury to Others | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $15,000 per accident |
| Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
| Medical Payments | $5,000 |
Failing to meet these requirements can result in penalties, fines, license suspension, and higher insurance costs in the future.
Liability coverage pays for injuries or property damage you cause to others in a collision. It does not cover your own medical expenses, vehicle repairs, or personal property.
Colorado’s minimum liability limits are:
These limits are often written as 25/50/15. While these figures meet the legal requirement, many drivers choose higher limits for better financial protection. Additional coverages — like collision, comprehensive, or roadside assistance — can provide broader protection.
Car insurance rates in Colorado tend to be slightly above the national average. As of 2024, the average annual premium is $1,435, about 0.6% higher than the nationwide rate.
Your premium will depend on factors such as:
Rates can vary widely, which is why comparing multiple carriers is the best way to secure a competitive price.
Source: TheZebra.com
Lowering your premium often comes down to finding discounts and adjusting your coverage strategically. Common ways to save include:
Working with an independent agency gives you access to a wide range of carriers — making it easier to find the best rates without sacrificing coverage.
With access to over 100 top-rated carriers, Richey Insurance Agency helps Colorado drivers compare options side-by-side. Our agents take the time to understand your needs, recommend coverage that makes sense for your situation, and guide you through the quoting process from start to finish.
We focus on building long-term relationships, so you always have someone in your corner when it’s time to renew, update your policy, or file a claim.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
