Learn About Auto Insurance

To legally drive in Colorado, you need liability insurance of at least $25,000 per person, $50,000 per accident for injuries, and $15,000 for property damage. This is the legal minimum. This protects other people if you cause an accident — but it doesn’t pay to repair or replace your own car.
Most drivers choose extra coverage like uninsured motorist, collision, or comprehensive to protect their vehicle and health. You can also add medical payments and higher liability limits for greater peace of mind — especially if you own a home or have savings.
Your quote depends on things like driving history, vehicle type, and where the car is parked. Speeding tickets, recent accidents, or long gaps in coverage may raise your rate — but I’ll help you find the best fit regardless of your situation.

When Do You Need Auto Insurance?

When You Own or Lease a Vehicle

Every car on the road in Colorado needs to be insured — even if it’s just parked most of the time. Lenders and lease companies often require extra protection like collision or comprehensive.
When You Add a New Driver

If you have a teen getting their license or a new household member with a car, they need to be added to your policy. It’s the best way to stay protected — and avoid claim denial.
When Your Life Changes

Moving, changing jobs, or buying a home? These are great times to review your coverage and make sure your policy still fits — especially if bundling could save you money.

Requirements for Auto Insurance

Driver Info

We’ll need license numbers for each driver on the policy — including teens or household members who might use the vehicles.
Vehicle Details

Have the VIN or basic info (make, model, year) for each car. Where it’s parked overnight helps determine rates too.
Coverage Snapshot

If you have a current policy, I’ll review it with you and help decide on coverage levels, deductibles, and ways to save.
Driving History

Tickets, accidents, or recent claims? No worries — I just need to know the basics so we can quote the right carriers.
Address Info

Your home and garaging address affect your pricing — and help confirm state-specific coverage options.
Coverage Preferences

A deductible is what you pay out of pocket before insurance kicks in (like $500 or $1,000 per claim). Liability limits are the max your policy will pay if you cause an accident.