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
New Car Replacement§§
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:
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.