Colorado Auto Insurance Information

Colorado residents are eligible for low cost car insurance with The General®.  We offer low cost auto insurance options online even if you have you have violations on your driving record, have never been insured, have let your policy lapse, or have had your license suspended or revoked.

We have provided some information below that we hope will be helpful in answering some of the more common questions we have received from our customers.

Mandatory Minimum Level of Coverage

Colorado law requires you to have automobile liability insurance.  If you drive in Colorado, you must show that you can pay for accidents you cause.  Most Colorado drivers do this by buying auto liability insurance.  The statutory minimum limits of liability insurance in Colorado are:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $15,000 for any one accident

Frequently Asked Questions Regarding Colorado Auto Insurance

What is “Uninsured/Underinsured Motorist” Coverage?

The “uninsured motorist” portion of this coverage is for your bodily injury losses caused by a hit-and-run driver, or by a driver who has no automobile liability insurance.  This coverage takes the place of insurance the other driver should have purchased.

The “underinsured motorist” portion of this coverage is for bodily injury losses that you are legally entitled to collect from the owner or driver of an underinsured vehicle.  An underinsured vehicle is one that is insured, but the bodily injury liability limits of that policy are less than the limits of your uninsured/underinsured motorist coverage.  The minimum amount of uninsured/underinsured motorist coverage, unless waived by the policyholder, is $25,000 per person, and $50,000 per accident.

Do I have to show proof of insurance before I can register my vehicle?

Yes.  You must provide proof of insurance to your county clerk and recorder before registration can occur.  Each month, insurance companies must inform the Colorado Motor Vehicle Registration Division of who has insurance and whether insurance has lapsed or does not exist.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.