Liability Car Insurance in Colorado
Numbers refreshed
What Colorado's cheapest legal policy costs, and the coverage it leaves out.
- $69.That's the monthly average for liability.
- 25/50/15.The minimum liability limits.
- 10th of 51.The most expensive state (1st = highest).
What liability insurance costs in Colorado
In Colorado, liability-only car insurance averages $831 a year, or about $69 a month. It ranks as the 17th most expensive state for liability.
| Coverage in Colorado | Per year | Per month |
|---|---|---|
| Liability | $831 | $69 |
| Collision | $483 | $40 |
| Comprehensive | $521 | $43 |
| Full coverage (all three) | $1,835 | $153 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay with the minimum
Colorado requires liability coverage of at least 25/50/15. The limits are $25,000 per injured person, $50,000 for all injuries in one crash and $15,000 for property belonging to other people.
Your liability coverage pays out to the other people. Unless you add collision, you pay for repairs to your own car.
Anything a crash costs beyond your limits can be claimed from you. Raising your limits usually costs far less than the extra protection you get.
First written