Colorado Car Insurance (Coverage, Companies, & More)

Colorado offers a variety of different types of terrain, from its alpine mountains to its high plains, deep canyons, and dune-filled deserts. Residents and visitors alike can explore the state’s many natural wonders. Like determining your car insurance needs, with the many options available, it can be hard to decide which course is the best to take.

Some of us like to drop a pin on a map and just go. But others like to research their options before they decide what they’ll do. They like to think things over before they make up their minds.

Decisions are crucial in finding the right car insurance coverage for your needs. You may ask yourself: Who has the best coverage? What are the best prices? What should I do in my situation?

But, there’s no need to worry. We’ve got everything you need right here in this guide. We’ve included details about state minimum coverage requirements, insurance providers, the main factors that determine rates, and so much more. So, let’s roll down the road to our first stop, where we’ll learn about state car insurance coverage and rates.

How to get Colorado car insurance coverage and rates

Depending on when and where you’re driving in the Centennial State, the biggest road risks include snow and ice, avalanches on mountain roads, and collisions with animals.

So, it’s wise to buy insurance to protect yourself and your loved ones from these potential dangers. At the same time, it’s easy to get lost in the buying process. You may wonder how much coverage you need, which company is the best, and how you can get a fair price.

This guide is here to help you find the right coverage for you. It will help you get answers to all of your questions and more. Isn’t it great that everything is here on the same page? Now you can save time searching.

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What’s Colorado’s car culture like?

According to AAA Colorado, five of the state’s ten most popular vehicles are Subarus, including the Outback model. In keeping with the state’s weather conditions and the terrain, nine of the top ten are sport utility vehicles.

What’s the minimum coverage in Colorado?

Drivers who cause an accident in Colorado are legally “at fault” or responsible for paying all the damages.

State minimum auto insurance rates and insurance requirements vary from state to state. Compare state to state below:

The state minimum requirements for basic coverage are 25/50/15.

You can reject uninsured/underinsured motorist coverage in writing. If you don’t reject it, your insurer will automatically apply it to a basic policy.

Most of us don’t own 25 or more vehicles, but if you happen to, you can apply for a certificate of
self-insurance from the state insurance commissioner. The commissioner will ensure that you can pay the state minimum coverage.

Are those minimum requirements enough for you? To some extent, it depends on how much you can afford. Generally, higher deductibles, the amount you pay out of pocket before your insurance kicks in, mean lower premiums. So, if your deductible is $5,000, you will end up paying less than if it was only $500.

Some experts recommend liability limits of 100/300/50.

The Wall Street Journal suggests that you should “make sure you’re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings, and investments).”

Essentially, the state minimum requirements will cover you for liability, but they don’t include collision or comprehensive insurance for vehicle repairs or replacement, or damage not related to your accident. Full coverage, which includes all three, will give you all the protection you need, together with some peace of mind.

Also, if you have a car lease or loan, you might need to have full coverage.

Now, we’ll look at forms of proof of insurance and financial responsibility.

What is the required form of financial responsibility?

At a traffic stop or at the scene of an accident in Colorado, you will need to show an officer your proof of insurance on paper or electronically. For legal purposes, this indicates that you have satisfied the financial responsibility requirements. Otherwise, you may get a ticket.

Besides an insurance card, these are other acceptable forms of proof of insurance:

• Declaration Page
• Letter/Binder from the insurance company on their letterhead

Colorado also keeps an insurance database. Insurance companies report coverage information – including cancellations – regularly, and the system matches the policy with the registered vehicle it covers.

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What percentage of income are insurance premiums in Colorado?

Your Disposable Personal Income (DPI) is what you have to spend after paying taxes. The average American pays 2.35 percent of their disposable income on car insurance.

The average income in Colorado is $43,609.00, or $3,634.08 a month. As shown in the chart below, Coloradans are pretty much in-line with the national average DPI.

From 2012 to 2014, the average cost of full coverage insurance in Colorado rose by almost $100.00, from $849.74, while the DPI percentage stayed about the same.

This is within the same range of two its border states, New Mexico and Oklahoma. By contrast, Colorado’s average annual full coverage rate is higher than its other neighbors, Wyoming, Utah, Kansas, and Nebraska, which had rates below $900.00.

Next, let’s look at the average cost of coverage in the Centennial State.

What are the average monthly car insurance rates in CO (liability, collision, comprehensive)?

Core, or full, coverage includes the three main parts of a full coverage policy: liability, collision, and comprehensive. These are the average rates for each in Colorado.

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

Coloradans pay more for comprehensive insurance than the national average, yet full coverage is below that average.

Is there an additional liability coverage in Colorado?

A loss ratio compares how much an insurer pays in claims with how much it pays in premiums. A ratio over 100 percent shows that a company pays more in claims than in premiums.

Loss ratios shouldn’t be too high or too low; too low means the company is paying less in claims t

Below are loss ratios in Colorado for optional additional liability coverage. The uninsured motorist loss ratio in Colorado is over 100 percent, well above the national average. MedPay loss ratios aren’t as high, with Colorado around the national average.

13.30 percent of Colorado drivers are uninsured, ranking the state 19th in the country.

As you can see from the loss ratios above, uninsured drivers hurt insurance company loss ratios and affect your premiums.

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Are there any add-ons, endorsements, and riders?

Uninsured/underinsured motorist and MedPay coverage are included in a basic Colorado policy unless the consumer rejects them.

These are several optional additional coverage choices you might be offered when you buy a policy, so take some time to read more about them. You can choose them based on your needs.

• Guaranteed Auto Protection (GAP)
• Usage-Based Insurance
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance

What are the average monthly car insurance rates by age & gender in CO?

Your age and gender can affect how much you pay for car insurance. Let’s see how the rates compare.

Not surprisingly, teen drivers pay the highest rates. By age 35, however, drivers tend to pay much less than their younger counterparts.

What are the cheapest rates by zip code?

Where you live is another factor in your car insurance costs. Crime and accident rates in the area are also risks that affect your rates.

Often, when we move, we don’t pay attention to the changes in premiums from one zip code to another.

You can search below to find out the highest and lowest rates where you live. How does your hometown rank?

Read more:

• Gateway Insurance Company Car Insurance Review
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• Safeway Insurance Company of Georgia Car Insurance Review
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What are the cheapest rates by city?

Another way of looking at the rates without deciphering the zip codes is to go by city. Now, you can check the average rates statewide by name.

Read more: National General Assurance Company Car Insurance Review

What are the best Colorado car insurance companies?

With so many car insurance companies available, just how do you pick the best one? If you don’t know where to start, you can feel stuck.

But, there’s no need to spin your wheels. The information is truly at your fingertips. We’ve gathered company financial ratings and reviews to guide you to the right one for you.

Let’s sort them all out and see how they rank.

What is the financial rating of the largest companies?

AM Best ranks insurance companies based on their financial stability. An insurance company with a good financial rating can pay its claims.

Most of the 10 largest insurance companies ranked by market share in Colorado received an A or higher on their “report card.”

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Which companies have the best ratings?

JD Power is the most trusted source for consumer ratings, and their auto insurance studies assign each company a score. These scores rate the companies on several factors, including claims, pricing, and policy offerings.

Most of the top companies are within a few points of each other, but only two are among the best.

Which companies have the most complaints in Colorado?

Complaint ratios measure how many complaints a company receives compared against its market share and the number of insurance policies in force. Larger companies, with more customers, tend to get more complaints than smaller ones.

For example, Farmers and USAA have the same ratio, but different amounts of complaints because of their different size and market share.

These companies had the best complaint ratios in Colorado:

Read more: 360 Insurance Company Car Insurance Review

What are the complaint ratios for Colorado’s 10 largest car insurers?

Here’s how the largest companies compare by complaint ratios.

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What are the cheapest companies in Colorado?

Here are the cheapest and the most expensive car insurance companies in Colorado by their average rates:

Read more:

• Mendota Insurance Company Car Insurance Review
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• Loya Insurance Company Car Insurance Review

What are the average commute rates by company?

As it turns out, commute time isn’t a huge factor in setting insurance rates. Let’s look at some of them.

What are the coverage level rates by company?

This is how three levels of coverage from several major companies compare.

It doesn’t cost much to get more coverage. On average, the difference between the highest and lowest coverage is less than $500.00 a year.

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What are the credit history rates by company?

Credit is one of the factors car insurance companies in Colorado use to calculate rates. A good credit score can influence how much you pay for car insurance, and it can help to shop around once you’ve established a decent score.

What are the driving record rates by company?

Your driving record is one of the biggest risk factors insurance companies consider when they calculate rates. So, few, if any tickets or accidents on your record, especially over a long time, can be a great way to save on your insurance.

These are some average rates for common penalties.

But, not every company sees infractions in the same way, such as with DUI offenses. The difference between Allstate and Progressive for one DUI is more than a few thousand dollars. And the rates can also vary by the type of offense; speeding tickets, a minor infraction, don’t result in increases as high as those for accidents or DUIs.

Paying attention and shopping around for the best rates for your situation can help you save big.

What are the largest car insurance companies in Colorado?

Out of over 800 insurers in Colorado, these are the biggest companies. State Farm, the largest insurer nationwide, also has the largest market share in Colorado.

Now that we’ve gone over coverages, the biggest factors in setting rates, and financial ratings, complaint ratios, and customer satisfaction rankings, you know what to do to choose the insurance you need.

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What is the number of insurers in Colorado?

Colorado has ten domestic insurance companies licensed in the state and 848 “foreign” insurers. Foreign companies were formed in other states but licensed to operate in Colorado, while the domestic ones were incorporated in the Centennial State.

To make sure you obey state traffic laws, these are the most relevant statutes to keep in mind for a clean driving record and lower rates over the long haul.

What are the Colorado laws?

Insurance, licensing, and registration are among the driving-related requirements state laws control. With so many laws, it can be hard to keep track and remember every single one.

But, we’ve simplified all that legal mumbo jumbo, so you don’t have to worry about it. We’ve organized the rules of the road that you need to know so you can see how they apply to you.

Now, you can easily find out what you need to do to get a license, report fraud, and drive safely on the road.

What are the car insurance laws?

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How state laws for insurance are determined

Though open competition sets Colorado’s insurance rates, the insurance commissioner steps in to control them, if necessary, while the General Assembly creates, reviews, and changes vehicle and driving laws.

These are some details about some of the most important laws.

How to get windshield coverage

Colorado law doesn’t require insurance coverage for windshields. Some insurance companies offer coverage for windshield replacement and repair, while others simply include it as part of their comprehensive insurance.

How to get high-risk insurance

Insurance companies tend to turn down high-risk drivers for coverage, or make their coverage more expensive because they consider them more likely to cause an accident.

Colorado’s Motor Vehicle Insurance Plan, part of the Western Association of Automobile Insurance Plans, helps high-risk drivers get coverage.

If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated. You can get the form from your insurance company. If you change insurers while the SR-22 insurance is on file, you must file a new one with the new insurer before the old one is invalid.

If you’re traveling out of state, remember that other states may have different form requirements for high-risk drivers.

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How to get low-cost insurance

Colorado doesn’t have a plan to help low-income drivers get cheap coverage, but you can shop around to compare rates.

Is there an automobile insurance fraud in Colorado?

Insurance fraud is illegal in Colorado, and punishments vary depending on the severity of the crime.

If you misrepresent information on an application or renewal, it’s considered a Class 1 misdemeanor with a sentence of up to 18 months in jail and up to $5,000 in fines.

More serious fraud, such as false claims and faked accidents, are classified as Class 5 felonies with a sentence of up to three years in prison and up to $100,000 in fines.

The Colorado Attorney General office’s fraud bureau investigates insurance fraud. According to the Attorney General’s Office, the unit works closely with other agencies, including the National Insurance Crime Bureau (NICB), Colorado Division of Insurance, FBI, and local police departments.

If you suspect insurance fraud, you can fill out and turn in this form.

Insurance fraud also raises insurance rates because companies need to pay more to investigate them, so it’s wise to obey the law to help reduce them.

What’s does the statute of limitations indicate?

For bodily injury and property damage claims in Colorado, you have three years to file them or sue for damages. The statute of limitations for accident-related fatalities is two years from the day of the death.

Once the clock starts ticking, evidence can degrade over time, so it’s best to file earlier rather than later.

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What are the state-specific laws?

Traction laws control the grip of tires on the road and the ability to tow, which is especially important during dangerous winter weather in Colorado.

The state has two levels of traction laws:

• Code 15 requires all vehicles to have either snow or mud/snow tires with at least 1/8-inch tread depth, four-wheel drive, a traction device, or tire chains to be on the road.
• Code 16 requires all vehicles on the road to have either chains or a traction device.

Colorado also has a Three Foot Law that requires drivers to leave at least three feet of space between the widest point of their vehicles and the widest point of a passing bicyclist on the road.

What are the vehicle licensing laws?

These are some of the basics of the most important Colorado licensing laws and procedures drivers need to follow.

What are the penalties for driving without insurance?

As we mentioned earlier, Colorado requires proof of insurance at every accident or routine traffic stop.

Colorado charges uninsured drivers with serious penalties. Besides these penalties, points will be added to their licenses, there is a $40 reinstatement fee for their licenses, and the uninsured must file an SR-22.

To keep everyone safe on the road, the Colorado police and DMV can access a Motorist Insurance Information Database (MIIDB) program. Registration information is updated daily in the MIIDB and insurance information is updated regularly.

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What are the teen driver laws?

Colorado teens must go through a graduated licensing program to help them get driving experience and learn the laws. These are the restrictions they must follow on the way to getting their licenses:

What is the license renewal procedure for older drivers?

Like the general population, older drivers in Colorado must renew their licensesevery five years and provide proof of vision at every renewal; if renewing online or by mail, proof of vision doesn’t necessarily mean that you need an eye exam — you can simply see your eye doctor.

Drivers over age 66 can complete every other (or second) renewal by mail.

What is the licensing procedure for new residents?

According to the Colorado DMV, new residents need to get a Colorado license within 30 days of residency. These are the residency requirements:

• Own or operate a business in Colorado OR
• Are gainfully employed in Colorado OR
• Reside in Colorado for 90 consecutive days

Your valid driver’s license from your previous state of residence should be enough for you not to have to take a driving or written exam. When you go to the Colorado DMV, you must have the following documentation to get a license:

• A valid driver license from the previous state of residence (if your license doesn’t show your full name)
• Proof of your social security number
• Two proofs of residence
• Proof of lawful U.S. presence
• Money for fees
• A signed affidavit from a parent or guardian if under 18

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What are the rules for license renewal?

Drivers must renew their licenses every five years, and those age 21 to 66 can do so online, in person, or by mail if they meet all requirements, including having an eye exam every three years. These are the restrictions on renewing online or by mail:

• by mail only every other renewal
• online renewals are limited to two times in a row
• drivers 66 years and older are limited to renewing by mail every other renewal

Renewal by mail has similar rules, but can only be done every second renewal. You can’t renew by mail if you have already renewed online two times in a row.

At in-office renewals, there will be a vision screening and you will have a new photo taken.

What is considered a negligent operator treatment system (NOTS)?

Colorado uses a points system to track driving violations. The number of points required to suspend a license depends on the driver’s age.

Read more: How many points to suspend a license in New York?

These are the points applied to a driver’s license for common violations:

• Speeding (5 – 9 MPH over the limit): 1 point
• Failure to yield right-of-way: 3 points
• Improper passing: 4 points
• Failure to show proof of insurance: 4 points
• Speeding (10 – 19 MPH over the limit): 4 points
• Careless driving: 4 points
• Speeding (20 – 39 MPH over the limit): 6 points
• Reckless driving: 8 points
• Driving under the influence of drugs or alcohol: 12 points
• Speed contests: 12 points
• Evading an officer: 12 points
• Speeding (40+ MPH over the limit): 12 points
• Leaving an accident scene: 12 points

As shown above, the last five on the list will automatically lead to a suspension.

What are the rules of the road?

Scroll down to learn about Colorado driving laws.

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Is Colorado at fault or no-fault?

In Colorado, the person responsible, or “at fault,” for an accident must pay for any damages. As we described above, that means that the insurance policy provided by the at-fault driver will pay for injuries and damage up to the policy limits.

Comparative fault determines the share of responsibility. For example, if you’re 20 percent at fault for causing part of the accident, you can seek damages, but only up to the percentage of fault of the other party.

So, if you’ve been in an accident that resulted in $25,000 worth of injuries and property damage, you would collect only up to 80 percent of the total, or $20,000.

If you’re found to be more than 50 percent at fault, you aren’t entitled to compensation for injuries or damages from the other party. This law firm video explains more about the law:

What are the keep right and move over laws?

Colorado law requires drivers to keep right on highways with a speed limit of 65 mph or higher except when passing. The exception to this rule is if the volume of traffic doesn’t let the driver move into the right lane.

When stationary vehicles have emergency lights on, drivers must move over or slow down, if safe to do so.

What’s the maximum speed limit?

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What are the seatbelt laws?

All Colorado drivers over age 16 riding in the front seat must wear a seat belt. The state restricts how much you can collect for injuries in an accident if you aren’t buckled up.

Colorado requires drivers and front seat passengers 16 years old and older to wear a seatbelt. A violation is a secondary offense. You can’t be pulled over for no seatbelt use alone, but you can be pulled over for another offense, such as a broken headlight and ticketed for failure to wear a seatbelt. The minimum fine is $65.

For passengers under 16, not wearing a seat belt is a primary offense and law enforcement doesn’t need another reason to issue a ticket.

Colorado law prohibits passengers in the cargo area of a pick-up truck unless the section is fully or partially enclosed on all four sides.

What are the car seat laws?

All children 15 and under must be restrained in the proper car seat or safety belt. Child safety seat laws are primary offenses and violators can be pulled over. The penalty is a $65 fine and a $6 surcharge.

https://youtu.be/seQhTFy0q14

How does ridesharing work?

When an accident happens while you drive for a service like Uber or Lyft, your personal auto policy may not cover you.

These insurance companies offer coverage for ridesharing services:

• Farmers
• USAA
• Geico
• Allstate
• SafeCo
• State Farm
• MetLife
• American Family

The levels of ridesharing coverage vary depending on the situation. Some companies won’t provide coverage while a customer is in the car, but others will with a surcharge. Also, if you’re not driving for the service or logged into their app, you may only need the usual minimum coverage.

It makes sense to increase your limits and ensure that you have a rideshare policy endorsement.

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Is there an automation on the road?

Colorado allows automated vehicles on the roadways, including driverless ones, as long as they meet all applicable state laws. That includes company testing of driverless vehicles. Insurance and liability issues still need to be determined.

What are the safety laws?

DUI, marijuana, distracted driving, and other safety laws are designed to protect drivers from unsafe behaviors that can cause accidents. Read more about the legal limits below.

What are the DUI laws?

Colorado has two levels of intoxicated driving offenses:

• Driving Under the Influence (DUI) – Blood alcohol content 0.08 percent or higher
• Driving While Ability Impaired (DWAI) – Blood alcohol content 0.05 percent to 0.07 percent

Read more about the penalties below.

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What are the marijuana-impaired driving laws?

Marijuana is legal in Colorado for recreational use. The legal limit for marijuana in the blood is five nanograms, however, officers can decide whether a driver appears visibly impaired.

Drivers convicted of driving while impaired by marijuana will face the same penalties as a DUI.

This news report goes over the current law and discusses a new bill that was proposed to use roadside tests for sobriety:

What are the distracted driving laws?

Colorado doesn’t currently ban cell phone use for anyone over age 18. Under 18, all cell phone use, including hands-free, is banned. Texting while driving is illegal for all drivers.

Learn more about the numbers of crashes from distracted driving in this recent news report:

What are the Colorado can’t-miss facts?

Stats, stats, and more stats. We’ve got more coming. They’re good to keep in mind while you drive to help you and your loved ones stay safe.

We’ll cover vehicle theft, fatal crashes (including alcohol-related), and even EMS response times.

These are the sobering, but very real risks of the road so stay aware of these dangerous behaviors.

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Is there a vehicle theft in Colorado?

These statistics are a reminder to be prepared and stay aware of theft.

Top Make and Model for Theft

Let’s take a look at some of the vehicles thieves love to steal in Colorado.

What’s the percentage of vehicle theft by city?

Vehicle thefts are rising. Check out the six-year trend below.

Are there any road dangers in Colorado?

Many factors come into play when it comes to dangers on the road. Harsh weather and road conditions, collisions with animals, and other people are all potential hazards. Let’s go over some statistics about them.

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What’s the number of fatal crashes by weather and light condition?

Most accidents occurred in daylight under unknown weather conditions.

What are the fatality rates by county?

There were decreases in overall fatalities from 2015 to 2017 in some counties, while others increased.

What’s the number of traffic fatalities: Rural vs. Urban

Most deaths happened in Colorado’s urban rather than rural areas.

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What’s the number of fatalities by person type?

Many of the fatal crashes involved vehicle occupants.

What’s the number of fatalities by crash type?

Most of the crashes involved single vehicles.

*A fatality can be in more than one category. Therefore, the sum of the individual cells will not equal the total due to double counting.

What’s the number of fatalities involving speeding by county?

Speeding deaths decreased in some areas, while from 2016 to 2017, others experienced a sharp rise.

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What’s the number of fatalities in crashes involving an alcohol-impaired driver by county?

Many counties had a steady number of DUI fatalities.

What are the teen drinking and driving rules?

In 2016, Colorado averaged 1.2 under 21 alcohol-impaired fatalities per 100,000 people, which is in-line with the national average. On the other hand, Colorado ranks fairly highly, 7th, nationally for underage DUI arrests. Here are the stats:

What’s the average EMS response time?

The rural nature of parts of Colorado, single-lane mountain roads in particular, may affect some of the urban vs. rural response times at accident scenes.

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What’s transportation like?

Traffic on the road, including the numbers of cars and the types of transportation people use in a given day, affects travel times. We’ll cover some interesting stats that affect traffic congestion below.

The data for Car Ownership, Commute Time, and Commuter Transportation was sourced from the Census Bureau via DataUSA.io.

What is the percentage of car ownership?

More than 40 percent of Coloradans own two cars, which almost matches the national number.

What is the average commute time?

How long does it take you to commute in Colorado? You can compare those numbers below. Most Coloradans have a commute time of 15 to 19 minutes.

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What’s the preferred commuter transportation?

More than 70 percent of Colorado residents drove alone, which is identical to the national average.

Is there a traffic congestion in Colorado?

According to traffic data site INRIX, Denver is the 19th most congested city in the United States and ranks 112th worldwide. Drivers there spent an average of 83 minutes in congested traffic each day in 2018.

As you can see in the chart above, in the more populated cities of Boulder and Denver, drivers spent more time in traffic congestion, mostly during peak commutes in the morning and evening. In the daytime and overall, the numbers were lower, but remained steady.

Did we miss anything in this guide? Was the information about car insurance helpful?

We hope you’ve enjoyed the facts and the stats, and that they’ve given you a greater understanding of car insurance and why you need it.

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