Auto Insurance

Q: What auto insurance is required in Colorado?

Colorado requires minimum liability of 25/50/15 — that's $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. We strongly recommend higher limits, especially if you have assets to protect.

Q: Will my rate go up after an accident?

It depends on the carrier and your history. Some carriers offer accident forgiveness for your first at-fault claim. As an independent agency, we can shop your policy across multiple carriers to find the best rate even with an accident on your record.

Q: Can I bundle my auto and home insurance?

Yes, and it's one of the easiest ways to save money. Most carriers offer a multi-policy discount of 10-25%. We compare bundled rates across carriers to find you the best combined deal.

Get the right coverage for your vehicles without overpaying — liability, collision, comprehensive, and uninsured motorist protection.

Get Personal Insurance

Auto insurance does more than satisfy a legal requirement — it protects your finances if you cause an accident, covers repairs to your vehicle, and shields you from uninsured drivers. Colorado requires minimum liability limits, but those minimums are dangerously low for most people.

Colorado's minimum liability of 25/50/15 might cover a fender bender, but a serious accident with injuries can easily exceed $100,000 in medical bills alone. We help you find the right balance between adequate protection and affordable premiums by comparing rates across multiple carriers.

Beyond liability, we look at your collision and comprehensive coverage, uninsured/underinsured motorist protection, medical payments, and rental car reimbursement. Every driver's situation is different, and cookie-cutter policies leave gaps.

Key Features

Liability coverage that actually protects your assets — not just state minimums
Collision and comprehensive coverage for your vehicle
Uninsured/underinsured motorist protection
Medical payments and personal injury protection
Rental car reimbursement and roadside assistance options

Who Needs This?

Every vehicle owner in Colorado (liability is legally required)
Drivers who want protection beyond bare-minimum state limits
Families with teen drivers looking for multi-car discounts
Anyone who commutes on I-25 or I-70 — high-traffic corridors with frequent accidents

Ready to Get Auto Insurance Coverage?

Call 303-994-7814 or start your quote online.

Get Personal Insurance

Auto Insurance FAQ

What auto insurance is required in Colorado?

Will my rate go up after an accident?

Can I bundle my auto and home insurance?

Ready to Find the Right Coverage?

It takes less than 5 minutes to get started.

Get Personal Insurance Get Business Insurance Get Life Insurance