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Now in Colorado.

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Colorado is known for high altitudes, but that doesn’t have to mean high car insurance rates.

From Denver to Colorado Springs, Fort Collins to Grand Junction, we’re bringing fair car insurance to good drivers in the Centennial State. Just download the Root app. Take the test drive. And see if you could save up to 52%.

How it works

Traditional auto insurance companies base your rate on things like age, credit score, marital status, and ZIP code. At Root, we base rates primarily on how you actually drive, not who you are.

  1. Download the app

    Sign up in less than a minute.

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  2. Drive around

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

  3. Get your quote

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

State Requirements

What are the minimum car insurance requirements in Colorado?

To legally operate a vehicle in Colorado, you must carry Liability insurance and Uninsured/Underinsured Motorist Protection. If you’re found driving without it, 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. (It’s the law.) 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 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 (UM/UIM)

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 whose car insurance is insufficient or underinsured.

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. (Root does this for free.)

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.

What other coverages does Root offer?

  1. Collision

  2. Comprehensive (including glass coverage)

  3. Medical Payments

  4. Personal Injury Protection

  1. Uninsured Motorist Property Damage (UMPD)

  2. Rental Car coverage

  3. Roadside Assistance (included in every Root policy)

Average Cost

What is the average cost of car insurance in Colorado?

The average Coloradan pays $1,7611 per year for their auto policy, but many people pay much more—often to make up for bad drivers. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.

up to



for Root policyholders

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Get an auto insurance quote based primarily on how you drive. And watch your savings grow.

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  1. [1] Annual average rates were compiled in April 2019