MountainStorm Insurance Agency

Full coverage typically includes liability, collision, and comprehensive coverage, while liability insurance only covers damages you cause to others. Full coverage is recommended for newer or financed vehicles, whereas liability is the minimum required by Colorado law.

The average cost of car insurance in Colorado varies by age, city, and coverage type, but it generally ranges from $1,200 to $1,800 per year for full coverage and $600 to $1,000 for minimum liability coverage.

Colorado requires a minimum of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. These are the minimum liability limits mandated by state law.

Umbrella insurance provides additional liability coverage beyond the limits of your primary insurance policies, which is particularly important in Colorado due to the high risk of severe weather events and accidents.