The appropriately named Rocky Mountain State is as stunning to drive through as any in the country. From the mile high city of Denver to the over 2-mile-high vistas of Mount Evans Scenic Byway, Coloradoans enjoy some of the finest driving views in the United States.
Wherever your sightseeing takes you, it's important to protect the vehicle you're doing it in. Keep it safe with flexible, reliable car insurance from Nationwide.
Take advantage of Nationwide's features
Nationwide makes it easy for you to find dependable auto insurance in Colorado. We can show you options so you can choose the coverage that's right for your needs, goals and budget.
Explore the features below to learn more about what we can offer you:
On Your Side® Claims Service
Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle.1
Discounts helping you save
We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.
On Your Side® Review
Enjoy a free consultation with an agent who's here to help you get the protection you need at the price that's right for you.
Resources at your fingertips
Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.
Colorado car insurance discounts
Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2
Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.
It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.
Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.
When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.
Get a free auto insurance quote
Get a free, customized auto insurance quote online.
Give us a call to get your free auto insurance quote.
Find an Agent
Find a Nationwide Insurance agent near you.
Car insurance laws in Colorado
As a resident of Colorado, you are required to carry car insurance and purchase coverage before you register your vehicle. Insurance coverage and cost may also vary from city to city. Before you get started, here are some important factors to keep in mind:
Colorado teen driving laws
Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Colorado.
At age 16, teenagers are eligible to apply for a minor driver’s license and can apply for their full license once they turn 18. You can learn more about the rules associated with new drivers receiving their driver’s licenses in Colorado here.
Minimum insurance requirements for 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.
Colorado auto liability coverage
Two types of liability coverage are available and required by law in the state of Colorado:
- Property damage, which safeguards your assets if you are found legally accountable for a covered accident, including property damage sustained by the other party.
- Bodily injury, which safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.
Optional Colorado insurance coverage
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:
This type of Colorado auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). 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 (subject to deductible).
Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
- Property damage helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured.
- Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.
This insurance may cover reasonable and necessary medical expenses or funerals for you and others who are covered under your policy in an accident, regardless of who is at fault, up to the amount you choose.
Nationwide coverage in Colorado
 Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.