Colorado Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Colorado Drivers

Drivers in Colorado are fortunate to be able to travel on the largest number of Nationally Designated Scenic Byways in the United States. Whether Colorado drivers are making their way across the nation’s highest suspension bridge over the Royal Gorge, or climbing the highest paved road to Mt. Evans, it’s important they have confidence in their car insurance protection. Drivers registered in the state of Colorado can count on the AARP® Auto Insurance Program from The Hartford1 as a great choice for car insurance. The Hartford’s car insurance program has been protecting Colorado AARP members and their families since 1984, and has earned a reputation for trust and integrity. The Hartford’s high customer ratings for claims services demonstrate that our car insurance policy will be there when you need us most.
Whether you need a car insurance quote or just want to learn more about Colorado car insurance requirements, you’ve come to the right place.

Car Insurance Benefits Offered to Colorado Drivers

Drivers from the great state of Colorado could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
  • 12-month Rate Protection on their car insurance
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Colorado

In the state of Colorado, you must carry liability car insurance at the following minimum limits:2
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $15,000 for property damage per accident

Proof of Car Insurance in Colorado

It’s a good idea for drivers registered in the state of Colorado to keep their car insurance ID cards and registration in their car at all times. For added convenience, you may also display proof of your car insurance electronically in Colorado. The Hartford’s mobile app offers you the convenience of storing your ID cards on your mobile device. Visit the App Store™ or Google Play™ for more information.

Colorado Uninsured Driver Facts

According to a 2012 Insurance Research Council Report, 16.2 percent of drivers in Colorado do not have car insurance. Colorado is higher than the national average of 12.6 percent of drivers who do not have car insurance.3
Colorado drivers can protect themselves from financial loss if they are ever in an accident with a motorist who doesn’t have car insurance by purchasing uninsured/underinsured motorist coverage as part of their car insurance policy with the AARP Auto Insurance Program from The Hartford.

Additional Car Insurance Coverages Available to Colorado Drivers

In addition to the state-required liability coverage, your Colorado car insurance policy from the AARP Auto Insurance Program from The Hartford includes the following coverage for added protection:
  • Comprehensive
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments

Staying Safe on Colorado Roads

To stay safe on Colorado roads, it’s important to keep Colorado’s safe driving laws in mind:4

Colorado Seat Belt Laws:

If you are pulled over for a traffic violation in Colorado and you are not wearing your seat belt, law enforcement can give you a ticket.

Colorado Distracted Driving Laws:

Colorado bans the use of cell phones by all novice drivers under 18. Texting while driving is also against the law in Colorado.

Colorado Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Colorado wants to be sure they stay safe in the process! Colorado has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel.3 Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice in Colorado.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.