Looking for low cost Auto Insurance Rates? We can help.

LowerColoradoRates.com makes searching for cheap Colorado auto insurance rates easy. Simply fill in your zipcode on the graphic below and hit the go button. You'll receive up to four quotes from competing agents who want to help you save money on your insurance rates.

Auto insurance is mandatory in the state of Colorado. If you are issued a citation for driving without proof of insurance, the court will impose a civil penalty of five hundred dollars and four points on your license. For a second offense, the court will impose a $1000 fine and your license will be suspended for four months.

Colorado state law requires a minimum coverage of $25,000 of Bodily Injury Liability per person up to a total of $50,000 for all persons injured in any one accident and $15,000 of Property Damage Liability. This basic level of coverage is often referred to as 25/50/15 coverage. While these are the state required minimum coverage amounts, this coverage level is probably not sufficient to fully protect you from financial loss or liability if you are at fault in an accident. If you do not have adequate coverage, the law allows an accident victim to take any assets that you may have in order to cover the costs of their damages. Having additional coverage, in excess of the state minimums, could protect you and your assets in the event of a serious accident. The insurance industry, most consumer groups and most agents typically recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident. Additional coverage, such as medical payments, uninsured motorist coverage, comprehensive and collision are not required by the state but recommended.

Colorado uses a fault-based or tort system of insurance. Under a tort system, the at fault party's insurance company pays the medical and rehabilitation expenses of the injured party in an auto accident. Additionally, the injured party can sue for other losses including pain and suffering. To protect yourself from financial loss, consider carrying more coverage than the state law requires.

Our customers come from Denver, Colorado Springs, Aurora, Lakewood, Fort Collins, Thornton, Arvada, Westminster, Pueblo, CO and other great cities in The Centennial State to find cheap life insurance and other coverage from top rated insurance companies. Our Colorado insurance agent and broker referral network can help you compare rates with ease.