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Colorado Insurance Guide
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Insurance in Colorado
Find comprehensive insurance information for Colorado (CO) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Colorado (CO) |
| Region | West |
| Population | ~5.8M residents |
| Health Marketplace | Connect for Health Colorado |
| Insurance Regulator | Colorado Department of Insurance |
Health Insurance in Colorado
Colorado residents can find health coverage through:
- Connect for Health Colorado - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Colorado
Colorado has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Colorado
Protect your home with coverage tailored to Colorado’s specific risks and requirements.
Life Insurance in Colorado
Find life insurance options available to Colorado residents to protect your family’s financial future.
How Colorado Compares
Understanding how Colorado stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Colorado | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,978 | $1,935 | +2% (well above average) |
| Health Insurance (monthly) | $484 | $477 | +1% (below average) |
| Home Insurance (annual) | $3,456 | $2,377 | +45% (among the highest) |
| Uninsured Rate | 7.8% | 9.5% | -18% (near average) |
Key Insights
- Auto insurance costs in Colorado are among the highest in the nation (#41). Shopping around and comparing quotes is especially important.
- Homeowners insurance ranks #47 highest, often due to weather-related risks. Consider mitigation measures and shop for competitive rates.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Colorado Division of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Connect for Health Colorado (opens in new tab) - Colorado’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Colorado address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Colorado Division of Insurance
- Phone
- 303-894-7499
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Colorado?
Colorado requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Uninsured motorist coverage is also recommended given Colorado’s uninsured driver rate.
How do I get health insurance in Colorado?
Colorado has its own state marketplace, Connect for Health Colorado. Open enrollment runs November through January. Many Colorado residents qualify for premium tax credits or Health First Colorado (Medicaid). The state also offers a public option with lower premiums.
Does Colorado homeowners insurance cover wildfire damage?
Yes, standard homeowners insurance covers fire damage including wildfires. However, homes in wildland-urban interface areas may face higher premiums or coverage restrictions. Some insurers require defensible space around the home to maintain coverage.
Is hail damage covered by auto insurance in Colorado?
Hail damage to your vehicle is covered under comprehensive coverage, not collision. Given Colorado’s frequent hail storms, especially along the Front Range, comprehensive coverage is highly recommended even for older vehicles.
What is the average cost of car insurance in Colorado?
Colorado drivers pay approximately $1,800-$2,200 per year for full coverage auto insurance, which is above the national average. Denver metro area rates tend to be higher due to traffic density, hail frequency, and theft rates.
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[colorado] Insurance Types
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Neighboring State Guides
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