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Better rates for better drivers in Colorado

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Great coverage and fair pricing

From Colorado Springs to Grand Junction and Denver to Fort Collins, car insurance for drivers in Colorado is more affordable with Root. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. Good drivers could get quality auto insurance and save hundreds.

How it works

Traditional auto insurance companies base your rate on your demographic data. This data includes your age, marital status, and ZIP code. We know that’s not a fair way to offer car insurance. At Root, we base your auto insurance rate primarily on how you drive, not who you are.

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We use your smartphone to measure your driving behavior. Better driving = more savings.


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You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in Colorado

What are the minimum auto insurance requirements in Colorado?

To legally operate a vehicle in Colorado, you must carry Liability insurance and Uninsured/Underinsured Motorist Protection coverage. If you’re found driving without these, you could face penalties.

You’re also required to show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Since Colorado now accepts electronic proof of insurance, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone.

Liability coverage

You are required to carry Liability coverage in Colorado. If you’re caught without it, you could get points on your license, a $500 minimum fine, have your driver’s license suspended, and face community service.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional car insurance coverages can help you avoid serious expenses in the event of a major accident.

Minimum required Liability coverage in CO:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $15,000 Property Damage

Uninsured/Underinsured Motorist coverage

This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver who is underinsured or whose car insurance is insufficient to cover damages.

Minimum required Uninsured/Underinsured Motorist coverage:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

What is SR-22 insurance?

You may be legally required to file an SR-22 form (also known as SR22 insurance) from your insurance provider if your license has been suspended (or is in danger of suspension) or revoked.

SR-22 requirements vary by type of offense and number of offenses, and they may be required for a specific period of time. An SR-22 is not insurance; rather, it is a certification filed by your insurance company stating that you will maintain the minimum Liability insurance for a predetermined amount of time.

Failure to maintain your insurance policy with a current SR-22 will result in another suspension of your driver's license. Essentially, the insurance company notifies the DMV that you are no longer keeping your SR-22 current and the DMV penalizes you.

Need an SR-22? We can help.

What other coverages does Root offer in Colorado?




Rental Car coverage


Personal Injury Protection


Medical Payments




(including glass coverage)


Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Colorado?

The average driver in Colorado pays $1,741[1] per year for their auto insurance, but many people pay much more—often to make up for bad drivers. Root doesn’t insure high-risk drivers, so Root customers could save up to $900 a year—all while enjoying fair and simple car insurance.

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  1. Annual average rates were compiled in April 2020

Additional Resources

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information.