What Colorado Law Requires
Every registered vehicle in Colorado must carry liability insurance. The state sets minimum limits at 25/50/15, which breaks down as:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 for property damage
These minimums satisfy the legal requirement, but they may not be enough to protect your finances if you cause a serious accident in Denver. For a deeper look at state rules, see our Colorado auto insurance requirements page. We explain the full picture in why car insurance is so expensive in Denver.
Why Minimums Often Fall Short
A single trip to the emergency room can easily exceed $25,000. If you cause an accident that injures multiple people or damages an expensive vehicle, the minimum 25/50/15 policy may leave you personally liable for the difference.
Denver's high cost of living means property damage claims run higher here than in rural parts of the state. A fender-bender with a newer SUV on I-25 can produce a repair bill well above $15,000.
Coverages Worth Adding
Beyond liability, Denver drivers should seriously consider:
- Comprehensive coverage — Colorado's hailstorms are no joke. Comprehensive pays for hail dents, cracked windshields, theft, and vandalism.
- Collision coverage — Pays for damage to your own vehicle regardless of fault.
- Uninsured motorist coverage — Roughly 16% of Colorado drivers carry no insurance at all. This coverage protects you when they cannot.
- Medical payments coverage — Helps cover your medical bills after an accident, regardless of who caused it.
Denver sees some of the worst hail damage in the country. Without comprehensive coverage, you are paying for those repairs out of pocket.
How to Save on Auto Insurance in Denver
The best way to lower your rate without cutting coverage is to bundle your auto insurance with home or renters insurance. Denver families who bundle through Sierra Insurance Group typically save up to 25%. Get a Denver auto insurance quote to see your rate. For nine proven strategies, read how to save on car insurance in Denver.
Other ways to reduce your premium:
- Maintain a clean driving record
- Ask about safe-driver and multi-vehicle discounts
- Raise your deductible if you have savings to cover it
- Review your policy annually — rates change as your situation changes
Get a Free Auto Insurance Quote
Sierra Insurance Group is a GEICO Exclusive Agency in Denver, CO. We help you find the best rate for the coverage you actually need. Get a free quote or call us at 303-824-3430. Hablamos Espanol.
