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If the place you call home is anywhere across the centennial state, you’re in luck! SafeAuto provides cheap auto insurance across the state of Colorado that fits your life and budget while maintaining the coverage that meets Colorado’s minimum requirements for an auto policy. Whether you're driving to your favorite ski resort, attending a Broncos game, or heading out to start your day, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free car insurance quote online, and join the SafeAuto family today!

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Protect to your ride with cheap car insurance in Colorado from SafeAuto


Drive confidently with Colorado auto insurance from SafeAuto


Required Minimum Auto Insurance Coverages In Colorado

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 law requires you to maintain liability limits of at least:

  • $25,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

  • $50,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

  • $15,000 | Property Damage

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


SafeAuto offers affordable Colorado auto insurance throughout the entire Centennial state! If you are looking for more information across the state of Colorado, more material can be found below

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 Colorado Insurance Requirement Information:

Colorado Division of Motor Vehicles

SafeAuto loves to save you money on your car insurance. That’s why SafeAuto is the Insurance for the Rest of Us. We’d be happy to have you be a part of the SafeAuto family while you’re enjoying the road ahead!

If you have any further car insurance questions, please visit our FAQ page or contact the SafeAuto Customer Service Department at