Colorado Car Insurance
Catching a show at Red Rocks Amphitheatre or hiking through Rocky Mountain National Park? Get covered with Lemonade car insurance in Colorado—the smart choice for drivers in the Centennial State.
How much does car insurance
cost in Colorado?
The average estimated cost of car insurance in Colorado is approximately $241 per month, depending on factors like your age, driving history, car type, and location.
| City | Average monthly premium |
|---|---|
| Denver | $266 |
| Colorado Springs | $248 |
| Aurora | $266 |
| Fort Collins | $204 |
Source: Value Penguin
How can I get cheaper car insurance in Colorado?
Lemonade offers Colorado drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance in Colorado?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Colorado?
To meet Colorado car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Colorado drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $15,000 |
What additional car insurance coverages
does Lemonade offer in Colorado?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreColorado Car Insurance FAQs
Are there any special insurance considerations for driving in mountainous Colorado areas?
If you’re often driving through the Colorado mountains, you may want to consider roadside assistance and comprehensive coverage. Harsh terrain, wildlife collisions, and sudden weather changes can pose risks, so extra protection can give you peace of mind.
What happens if I don’t have the minimum coverage required by Colorado?
If you drive without the minimum coverage required by Colorado, you could face legal penalties, including fines, jail time, vehicle registration suspension, and even license suspension. Additionally, if you’re involved in an accident without proper insurance, you could be held personally responsible for all damages and medical expenses.
How can I lower my car insurance premium in Colorado?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Colorado that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Colorado get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
What should I know about car insurance for driving in Colorado's ski towns?
Ski towns like Aspen and Vail bring unique challenges such as slippery roads, icy parking lots, and increased traffic during peak season. Comprehensive and collision coverage can protect you from accidents and damages caused by winter driving conditions.
What are Colorado's minimum car insurance requirements?
In Colorado, the minimum car insurance requirements are $25,000 per person and $50,000 per accident for bodily injury liability, and $15,000 for property damage liability. These minimum coverages ensure that you can cover costs associated with injuries or damages to others in an accident.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
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