Car Insurance In Colorado

How Much Does Car Insurance In Colorado Cost?

Looking for the cheapest car insurance in Colorado? The cost of car insurance in the state of Colorado varies based on several factors, including your driving history, credit score, age and more. Our Fred Loya Insurance agents will help you create a customized policy within your budget.

We offer numerous discounts, from homeowner discounts to claim-free discounts, air bag discounts and more to make sure we’re able to offer competitive quotes with the coverage you need.

The Best Affordable Car Insurance Quotes in Colorado

Looking for affordable car insurance quotes in Colorado? Fred Loya Insurance has got you covered.

If you are one of our loyal customers, you can benefit from online payment options, mobile alerts and a rental car while your car is being repaired after an accident.

If you are a new customer, you can receive immediate coverage and flexible payment options. We also offer better conditions if you are rated as a high-risk driver, compared to other insurance companies offers.

 

Get Cheaper Car Insurance In Colorado: Our Fred Loya Insurance Discounts

We offer numerous discounts to help make your car insurance affordable! Ask our agents if you qualify to save.

• Prior Insurance Discount

  If your car has been insured for the past year, you may be eligible for our Prior Insurance Discount.

• Homeowner Discount

  If you own a home, you may be eligible for our Homeowner Discount!

• Multi-car Discount

  If you insure multiple vehicles with us, you can save with our Multi-car Discount.

• Claim-Free Discount

  Is your driving record claim-free? Ask our agents if you qualify to save with our Clain-Free Discount.

• EFT Discount

  When you set up automatic monthly payments, you can save on your rate with our EFT Discount.

• Renewal Discount

  Save with our Renewal Discount by renewing your insurance policy a month before it expires.

• Vehicle Alarm Discount

  If your car has an anti-theft alarm system approved by the state, you can benefit from reduced insurance rates with our Vehicle Alarm Discount.

• New Car Discount

  Is your car brand-new? You may qualify for lower rates with our New Car Discount.

• Anti-Lock Brakes Discount

  If your vehicle has an anti-lock brake system, ask our agents if you’re eligible to save with our Anti-Lock Brakes Discount.

• Air Bag Discount

  Safety first! If your car has air bags, you may qualify for our Air Bag Discount.

Colorado Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers expenses related to injury or death if you are at fault in an accident. The minimum state requirements are $25,000 per person and $50,000 per accident
Property Damage Liability	Property Damage Liability covers expenses if you cause damage to a vehicle or structure. The minimum state requirement is $15,000

Colorado Car Insurance Laws And Regulations

Colorado Driver’s License Process

Learner’s Permit

At the age of 15, you can apply for a learner’s permit in Colorado. To apply, you must:

• Pass a written exam
• Bring documents to verify your legal name, date of birth, and lawful presence in the U.S.
• Provide your social security number
• Supply two documents verifying your physical address
• Pay an application fee
• Be accompanied by a parent or legal guardian who can sign an Affidavit of Liability and Guardianship

Additional regulations apply depending on your age.

• If you are between 15 and 15½ years old, you are required to complete a 30-hour driver education course
• If you are between 15½ and 16 years old, you are required to complete either a 30-hour driver education course or a four-hour driver awareness class

Minor License

After you have had your learner’s permit for one year, you can apply for a driver’s license, which will be considered a minor license until you turn 21. To apply for a minor license, you must:

• Present time sheets showing 50 hours of driving experience minimum, including at least 10 night hours
• Complete an approved behind-the-wheel training program if you are under 16 ½ years old
• Present your learner’s permit and the necessary documentation
• Pay the Colorado driver’s license fee
• Pass a driving test

Adult License

Your minor license is valid until 20 days after you turn 21. At the age of 21, you can apply for an adult license. Keep in mind that if you break any teen driving laws while having your minor license, it may affect your ability to get an adult license.

Driving Without Insurance In Colorado

It is illegal to drive without auto insurance in Colorado. Penalties for driving without insurance vary based on the offense.

For your first offense, you will face 4 points on your driving record, a minimum $500 fine, 40 hours of community service and a suspension of your driver’s license, until you can provide proof of insurance.

For your second offense, you will face a four-month license suspension and a minimum fine of $1,000.

For your third offense, you will face an eight-month license suspension and a minimum fine of $1,000.

Colorado Teen Driving Laws

Colorado has several teen driving laws in place to help improve safety conditions on the road for new drivers.

• While driving with a permit, a parent, legal guardian, instructor or another adult over 21 years old must be sitting in the passenger seat.
• You are not permitted to transport passengers under the age of 21 during the first six months after obtaining your license. Exceptions include circumstances when you are accompanied by a parent or a licensed driver over 21.
• During the following six months, you can only transport one passenger under the age of 21 in your vehicle at a time. Exceptions include medical emergencies.
• If you are under 18, you are not permitted to use your cell phone while driving. If you do get caught using your phone, you will be fined between $50 and $100 depending on whether it is an initial or subsequent violation.
• During your first year as a licensed driver, you are not permitted to drive between 12 a.m. and 5 a.m. unless you are with a parent, instructor or legal guardian. Exceptions include medical emergencies or driving to/from work or school.

Colorado Seat Belt Law

To help decrease the number of incidents with a fatal outcome, the state of Colorado introduced strict seat belt laws that state the driver and passenger must be wearing seat belts, or face a minimum $65 fine.

Colorado authorities hope to change alarming statistics that show half of the people who died in a crash in the state in 2019 were not wearing seat belts.

Colorado is a secondary seat belt law state, which means a police officer cannot pull you over for not wearing a seat belt. However, you can be pulled over for another violation, and given a seat belt ticket in addition.

Colorado also has child safety laws in place, including the following:

• Child safety seats and seat belts are mandatory from birth until the age of 15
• Children under one year old and under 20 pounds should be transported in a rear-facing child safety seat
• Children between one and four years old who weigh 20 – 40 pounds can ride in a forward-facing or rear-facing child safety seat
• Children between four and eight years old must use a child booster seat or a child safety belt-positioning device
• Children who are eight years old and above can be buckled by a safety belt or a child-restraint system

Distracted Driving in Colorado

Distracted driving laws relate to the use of cell phones and other electronic devices.

If you are an adult driver, you can use your cell phone for regular calls while wearing headphones in one of your ears. However, while driving, you are not allowed to browse the internet or send text messages.

If you are under 18, you are not permitted to use a cell phone in any way while driving.

If you fail to follow distracted driving regulations, you will be fined. Depending on the violation, you may be fined from $50 to $1,000.

Car Insurance Laws For New Residents In Colorado

Planning a move to Colorado? State law provides you with a 30-day window to transfer your driver’s license and a 90-day window to register your vehicle.

If your driver’s license was issued by another U.S. state and is still valid, you may not need to take the driving test or the written exam.

Once you transfer your license, your old license will be voided.

*All information was gathered from official state websites and is accurate as of November 1, 2021.