Colorado Car Insurance

Colorado is one of the most beautiful states in America. Filled with some beautiful mountains lakes Plains Canyons everything in between it makes it one of the most picturesque places one can go to enjoy themselves. If you’re fortunate enough to be living in Colorado and taking in the scenery you should be able to do so without worrying about your car insurance when you’re driving. Think about it like this, how would you feel if you know that if anything were to happen your car insurance would be so high through the roof and your pockets would be empty just because of somebody else to slip up? Well quite frankly that isn’t fair, and rest assured we’re going to try to educate you on everything you need to know about car insurance in Colorado. 

Want an insurance quote for the state of Colorado? Click here. 

Required Coverages

 Many states Across America require you have minimum insurance before you hit the road and start driving. Colorado is no exception to this and they require you to carry liability insurance in these categories also known as 20 – 50 – 15.

  •  $25,000 in bodily injury liability coverage per accident
  •  $50,000 bodily injury per accident
  •  $15,000 of liability coverage peroxide

  Don’t let the monthly payment of the minimum insurance keep you off guard, definitely do to your research to make sure you’re paying the adequate amount to have yourself covered. Colorado is a tort state meaning you are required to pay any of the bodily injury or property damage you caused.

Optional Coverages

I mean just because the minimum coverage is offered doesn’t mean you should choose it. Course you have to be insured in the areas acquired but there are some optional coverages you should definitely consider.

  •  collision insurance
  •  comprehensive insurance
  •  gap insurance
  •  underinsured motorist coverage
  •   uninsured motorist coverage

 everyone’s situation is a little different so depending on how great you are on the road and How likely you are to get into an accident you may find it worthwhile taking a look at this optional coverage is available to you. We strongly recommend that you try to understand what benefits they bring to the table based on your situation. 

Average Car Insurance Cost in Colorado

The average cost of car insurance in Colorado is slightly higher than the national average. When compared, you’re paying about $1435 per year. 

Don’t let that number scare you, when compared directly to the national average, you’re less than a percent higher, 0.6% higher to be exact.

Like everywhere else, car insurance is dependant on many factors and they are subject to the age of the driver as well as experience. So contact a local agent to get an accurate quote.

At Fault Accidents

The state of Colorado is considered to be an at fault state. In short, it means that if you have been proved to be more than 51% at fault in the accident you are at fault, meaning your insurance company will have to pay for the opposing parties damages that have been incurred. 

Summary

Finding the right Auto Insurance isn’t that difficult there are so many options out there for you in the state of Colorado where all you have to do is go online and search for the best cheap auto insurance in Colorado. But even to that if you’re skeptical, definitely take a look at what we have to offer. We’re able to connect you with the local agents of Colorado who are able to give you the most competitive deal for your car insurance needs. Click below to find out more and get connected over local Colorado insurance broker.