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Colorado Auto Insurance Coverage

Nationwide works hard to help you choose the Colorado auto insurance coverage that's right for your needs, goals and budget.

Colorado car insurance coverage you must have

Colorado auto liability coverage

Two types of liability coverage are available and required by law in the state of Colorado:

The minimum amount of Colorado auto insurance coverage is $25,000/$50,000/$15,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $15,000 for damage to another person’s property.

Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.

Colorado auto insurance coverage that’s smart to have


This type of Colorado auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents. Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.


Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object.

Uninsured/underinsured motorist - bodily injury

This type of insurance protects you in the event of an accident where the other party is at-fault and either doesn't carry insurance or whose insurance limits are not enough to reimburse you for damages they caused, including:

Medical benefits

This insurance helps pay expenses for medical and funeral services provided to you and your passengers as a result of an accident, regardless of who is at fault.

Tailor your policy with these Colorado car insurance coverage options

Accident Forgiveness

With this optional feature, Nationwide will not raise auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Nationwide Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, basic and plus, so you can choose the one that works best with your budget. Get covered for things like fuel delivery, lockout service, jump-starts and more.

Good as new vehicle replacement

This optional feature may replace your vehicle under a total loss with a new or comparable vehicle. It also may provide gap coverage for any amount you may owe that’s above your car's actual cash value.

Rental reimbursement

If you can't drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

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