Auto insurance is one of the most common types of insurance for people to have in Colorado. In fact, it is required in order for drivers to maintain their driver’s licenses. Here is a simple breakdown of the most important types of coverage for your policy to include:


Liability coverage is required by law in the state of Colorado. This covers any damage that your vehicle causes to another person, vehicle or property while driving. In order to be able to drive in the state, you must maintain at least the minimum required coverage:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $15,000 per accident for property damage

As an agency we highly recommend that you carry AT LEAST $100,000 per person, $300,000 per accident and $100,000 for property damage.


Collision coverage is not required by law in Colorado, but many motorists still choose to include it in their coverage. However, if you choose to finance your vehicle rather than purchase it outright, many lenders will require you to have collision coverage until the loan is paid off. This aspect of insurance covers any damage that is done to your vehicle in the event of an accident. Whether you choose to have this coverage and how much coverage you elect will depend on the value of your car. For newer, more expensive cars, you’ll want to have more coverage. For older cars that do not have much value, you may wish to forgo this coverage to save on insurance costs.

Uninsured/Underinsured Motorist

This is another type of coverage that is not required, but that many drivers choose to add to their policies. This coverage will protect you in the event that you are in an accident with a driver who does not have insurance or does not have enough coverage to take care of the damage done to your vehicle.

If you have any questions about auto insurance, insureU Colorado can help. Get in touch with us today to learn more about our services.