Find how much you can save on Colorado Auto Insurance Or Call 1-800-SAFEAUTO Retrieve Saved Quote

Whether you’re driving to your favorite ski resort, attending a Broncos game, or heading out to start your day, SafeAuto wants to help you find affordable car insurance in Colorado. SafeAuto can help you get state minimum Colorado car insurance that meet's the state's requirements. Start your free car insurance quote online today!

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Required Coverages

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/15 or 25,000/50,000/15,000

Colorado’s Financial Responsibility law requires you to maintain liability limits of at least:

The first number is the maximum amount that your policy will pay for bodily injury to or death of one person in any one accident.

The maximum amount that your policy will pay for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit.

The maximum amount that your policy will pay for damage to or destruction of property of others in an accident.


We offer Colorado car insurance across the entire centennial state! If you're looking for state minimum Colorado auto insurance, you can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have so you can get Colorado car insurance today.

Proof of Financial Responsibility & Penalties

Under Colorado law, you are required to provide documentary proof of financial responsibility prior to operating a motor vehicle. If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, ranging from first offense penalties of a $50 to $500 and five (5) days up to six (6) months in county jail.

Insurance companies are required to notify the Colorado Department of Revenue of each policy issued, and provide updates every six (6) months.

In addition to these statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

Related Links:

Colorado Division of Motor Vehicles

If you have any further car insurance questions about how to get Colorado auto insurance, please visit the FAQ page or contact the SafeAuto Customer Service Department at