Colorado Auto Insurance Regulations
About this guide
Uninsured/Underinsured Motorist
omprehensive and collision insurance
October 2005
C
he "uninsured motorist" portion of this coverage is
Comprehensive insurance protects you against
o use this guide effectively you need to choose which
Tfor your bodily injury losses caused by a hit-and-run damage to your own car from such perils as fire, theft,
of the four drivers (driver A, B, C or D) most closely
T
driver or a driver who has no automobile liability
glass damage, hail, windstorm, flood, vandalism and other
compares to you and then determine the program that
insurance. This coverage takes the place of insurance the
causes. Collision insurance pays for damages to your car
reflects your experience as a driver. Preferred programs
other driver should have purchased.
when caused by collision with another vehicle or object.
Auto Insurance
are for drivers with the best driving records, standard
The "underinsured motorist" portion of this coverage
Collision insurance is typically purchased for late model
programs are for drivers with average driving records and
is for bodily injury losses that you are legally entitled to
vehicles and is often required by lenders as a condition to
Premium Comparison
non-standard programs are for drivers with poor driving
collect from the owner or driver of an underinsured
financing the vehicle.
records.
vehicle. An underinsured vehicle is a vehicle that is
The premiums quoted in this guide were drawn from
insured, but the bodily injury liability limits of that
ninsured Motorist Property Damage
U
a survey of 2005 premiums and are based on a 4-door
vehicle's policy are less than the limits of your
This is an optional coverage you can request if you
sedan, 2004 Ford Taurus LX. All premiums in this guide
uninsured/underinsured motorist coverage. The minimum
do not have collision coverage on your vehicle.
A SURVEY OF PRIVATE
are for a coverage period of six months and reflect a
amount of uninsured/underinsured motorist coverage,
Uninsured Motorist Property Damage (UMPD) pays for
comprehensive deductible of $250 and collision
PASSENGER AUTOMOBILE
unless waived by the policyholder, is as follows:
damages to your vehicle caused by an at-fault owner of an
deductible of $250 unless otherwise noted.
$25,000 per person for uninsured/underinsured
uninsured motor vehicle. UMPD will not pay if the
INSURANCE COSTS IN COLORADO
Coverage limits for the vehicle are the minimum
motorist;
vehicles did not touch.
required by law, unless otherwise noted. Read the
$50,000 per accident for uninsured/underinsured
explanations below for a careful examination of these
motorist.
owing and Labor
T
minimum coverages. Each individual and family should
This covers some costs incurred for services rendered
determine the appropriate amount of insurance to
What are optional coverage's?
at the place of breakdown or for towing to a repair shop.
purchase based on his or her own financial situation. For
It may cover tire changes and assisting you with
n Colorado you can purchase several types of optional
example, if you have assets worth $300,000, the minimum
unlocking your doors if you locked the keys in your
Icoverage to add to your personal auto policy. For
amount of liability required by law, is not adequate in
automobile.
example:
itself to protect you financially.
Medical Payments
ontact your insurance company or agent for
C
What are the minimum
Rental Reimbursement
additional options that may be available to you.
coverages required by law?
Comprehensive and Collision
Some coverages vary or may not be offered.
Uninsured Motorist Property Damage
olorado law mandates that automobile insurance
Towing and Labor
Tips for lowering your premium
Cpolicies sold in the state provide:
Shop around using the information in this guide.
edical Payments (Med-Pay)
Liability insurance and
Maintain a good driving record.
M
Uninsured/underinsured motorist coverage.
Med-Pay pays for reasonable medical expenses you
Take the highest deductible you can afford on your
This can coverage can be waived only if it has been
and your passengers incur because of injury in an
comprehensive and collision coverage.
rejected in writing by the insured.
automobile accident, regardless of fault. This coverage is
Before buying a vehicle, determine the cost of
primary over your health insurance and covers the
insuring it.
The definitions below provide more detail on each
medical bills of passengers that are not members of
Ask your company or agent if you are eligible to
type of insurance.
your family. The amount of med-pay coverage available
reduce your premiums through discounts or by
will vary by company. When considering the coverage to
choosing optional coverages or benefits.
purchase check your health insurance policy or contract to
Liability
Discounts may also be available, such as good
A publication of the
see if automobile accidents are covered. If you are a labor
student, driver training, multiple cars or multiple
iability insurance is generally defined as coverage for
Department of Regulatory Agencies
union member or covered under a self-insured plan, your
Lbodily injury you cause to another person or for
policies, compact car, anti-theft, air bags and
contract may specifically exclude benefits related to an
Colorado Division of Insurance
property damage you cause to another's property
pleasure-use only.
automobile accident up to a certain dollar amount. If you
through negligent operation of your vehicle. Liability
Always read your policy contract.
1560 Broadway, Suite 850
are covered under these plans, consult your benefits
insurance also affords coverage if the accident was caused
Visit the Division's website to view other
manager or certificate of coverage to determine what
Denver, CO 80202
by a member of your household driving your vehicle or by
publications that can assist you with making your
coverage you have.
303-894-7499
a person using your vehicle with your consent. The
insurance choices at:
minimum amount of liability insurance required by
www.dora.state.co.us/insurance/consumer/pc.htm
800-930-3745
ental Reimbursement
Colorado law is as follows:
R
www.dora.state.co.us/insurance
$25,000 per person for bodily injury;
This coverage pays expenses incurred for renting a
$50,000 per accident for bodily injury;
car when your auto is rendered inoperative due to a
$15,000 per accident for property damage.
covered loss.
Private Passenger Auto Insurance
Driver A
Driver B
Driver C
Driver D
2005 Premium Comparison
21-yr old male, single, principal operator,
21-yr old female, single, principal
35-yr old male, married, principal
68-yr old female, married, pleasure use
(Premiums for six months coverage on a
drives less than 10 miles to work each way,
operator, drives less than 10 miles to
operator, drives less than 15 miles to
only, annual mileage less than 7,500 miles,
2004 Ford Taurus LX 4-door sedan)
no accidents or traffic convictions in three
work each way, no accidents or traffic
work each way, no accidents or traffic
no accidents or traffic convictions in
years.
convictions in three years.
convictions in three years.
three years.
Mkt
Grand Ft.
Grand
Ft.
Grand
Ft.
Grand Ft.
Company
Share 1
Denver Littleton
Pueblo
Juntion Collins
Denver Littleton Pueblo Junction Collins
Denver Littleton Pueblo Junction Collins
Denver Littleton Pueblo
Juntion Collins
Preferred Program
Allied P&C Ins Co
0.36%
847
725
1,121
635
642
689
594
905
521
527
418
371
534
330
332
386
343
489
306
308
Allstate P&C Ins Co
0.10%
1,129
844
936
808
703
883
657
731
624
547
599
441
497
418
367
469
343
388
323
286
Amco Ins Co
0.39%
887
760
1,174
664
672
722
622
947
546
552
444
388
559
345
348
404
359
512
320
322
American Family Mutual Ins Co
7.93%
1,884
1,213
1,423
993
1,167
1,313
845
990
693
813
906
583
682
479
561
670
431
504
355
415
American National P & C Co 2
0.92%
1,485
1,146
1,106
989
1,043
1,543
1,192
1,145
1,030
1,086
943
707
730
600
635
744
546
593
457
486
Amica Mutual Ins Co
0.56%
1,329
1,047
1,140
952
909
1,111
876
954
797
761
539
426
466
392
377
566
448
489
412
394
California Casualty Indemnity Exchange
0.41%
1,428
1,113
1,241
949
985
1,017
795
885
676
701
683
534
594
453
470
516
405
450
343
355
Colorado Farm Bureau Mutual Ins Co
1.07%
1,152
873
971
798
760
1,050
797
885
729
693
723
548
609
501
477
662
502
557
460
438
Commerce And Industry Ins Co
0.00%
1,131
869
981
788
689
933
718
815
657
571
699
543
620
474
424
644
501
568
436
389
Country Mutual Ins Co
0.88%
1,444
1,133
1,207
1,031
929
1,224
961
1,024
873
788
888
698
743
633
571
821
645
687
585
528
Country Preferred Ins Co
0.39%
1,312
1,029
1,097
937
844
1,112
873
930
794
716
807
634
676
576
519
746
587
625
532
480
Depositors Ins Co
0.10%
824
706
1,092
618
625
671
578
881
508
513
407
361
520
321
323
376
334
477
298
300
Encompass Indemnity Co
0.22%
985
736
991
661
633
822
615
825
553
530
548
411
546
371
357
494
372
491
336
323
Esurance Ins Co
0.10%
1,295
848
1,092
814
806
969
648
826
616
613
545
376
473
358
357
529
374
462
354
356
Farmers Ins Exchange 3(b)
10.17%
1,871
1,311
1,201
1,084
2,084
1,516
1,055
964
867
1,678
687
480
443
404
413
504
354
331
306
305
First Liberty Ins Corp., The
0.00%
1,729
1,274
1,539
1,270
1,079
1,297
957
1,154
953
810
746
552
663
548
467
627
466
557
461
393
Geico General Ins Co
1.55%
1,165
839
1,006
816
736
891
639
761
612
562
657
474
565
458
418
427
310
369
300
274
Government Employees Ins Co
1.05%
1,165
839
1,006
816
736
891
639
761
612
562
657
474
565
458
418
427
310
369
300
274
Guideone America Ins Co
0.00%
1,499
1,171
1,289
984
1,078
1,285
1,004
1,105
844
925
858
671
737
564
617
542
424
465
357
389
Integon Indemnity Corp
0.01%
1,579
839
1,017
870
830
1,162
621
756
627
609
729
390
479
390
380
713
395
472
393
384
Middlesex Ins Co
0.00%
1,580
1,308
1,363
1,120
1,103
1,086
900
938
769
758
838
696
725
593
585
733
609
634
518
511
National Farmers Union P&C Co
0.28%
963
731
767
628
652
773
588
615
505
525
512
389
408
335
348
426
323
339
278
289
National General Ins Co
0.19%
1,522
1,045
1,253
979
991
1,190
817
983
758
770
700
474
578
437
445
651
450
540
415
421
Progressive Halcyon Ins Co
1.63%
956
667
723
699
608
715
511
548
523
464
403
296
317
301
271
408
306
322
308
280
Progressive Preferred Ins Co
0.11%
888
630
726
671
577
645
463
528
479
420
422
302
346
309
272
420
306
345
310
276
Safeco Ins Co Of America
1.96%
1,428
980
1,245
864
952
955
656
818
577
638
610
425
532
374
409
502
345
431
303
334
Shelter Mutual Ins Co
0.11%
865
635
713
578
569
632
465
521
423
416
461
340
381
310
305
340
251
281
230
226
Standard Fire Ins Co, The
0.13%
1,252
761
940
841
869
1,046
635
786
702
727
574
352
433
389
401
451
278
341
306
317
State Farm Mutual Auto Ins Co 5(a)
20.14%
1,157
889
1,017
782
803
930
715
818
629
646
687
529
604
464
477
498
384
439
336
345
Trinity Universal Ins Co Of Kansas, Inc.
0.16%
2,906
1,573
2,521
1,366
1,636
2,212
1,208
1,922
1,050
1,253
1,310
729
1,136
632
747
1,147
641
995
555
657
Union Ins Co Of Providence
0.08%
1,257
1,226
1,357
1,022
1,094
1,159
1,131
1,253
942
1,007
705
684
761
571
610
608
588
655
491
525
United Services Auto Assoc 4
3.42%
1,109
911
949
772
771
855
704
733
598
597
550
456
474
389
389
438
363
378
313
312
Unitrin Auto & Home Ins Co
0.18%
1,162
1,106
1,579
919
919
1,069
1,017
1,453
846
846
578
550
783
459
459
491
467
663
390
390
USAA Casualty Ins Co 4
2.79%
1,151
946
988
801
801
886
730
762
620
619
524
435
453
372
371
418
348
362
299
299
Median Premium
1,165
911
1,017
841
830
955
704
786
627
638
610
456
532
390
409
491
363
431
313
334
Standard Program
Allied P&C Ins Co
0.07%
986
843
1,309
736
745
801
687
1,054
603
610
653
568
853
500
505
593
516
769
455
459
Allstate P&C Ins Co 5(b)
2.01%
1,364
1,020
1,142
967
844
1,067
795
892
748
657
724
534
607
501
441
566
414
473
387
343
Amco Ins Co
0.09%
1,032
883
1,371
771
780
838
721
1,104
631
638
684
595
893
523
528
621
540
805
476
480
American National General Ins Co 2
0.12%
2,329
1,776
1,754
1,532
1,601
2,374
1,814
1,785
1,566
1,636
1,560
1,157
1,218
981
1,028
1,243
900
998
751
794
Colorado Farm Bureau Mutual Ins Co
0.02%
1,848
1,398
1,560
1,290
1,223
1,686
1,275
1,423
1,177
1,116
1,156
875
976
808
766
1,060
801
894
741
701
Country Casualty Ins Co
0.04%
1,757
1,380
1,470
1,254
1,131
1,538
1,208
1,287
1,097
989
1,202
945
1,006
857
773
1,135
893
950
809
730
Depositors Ins Co
0.02%
960
821
1,275
717
726
780
671
1,027
587
594
636
553
831
487
491
577
503
749
443
447
Emcasco Ins Co
0.03%
1,566
1,530
1,694
1,272
1,359
1,444
1,409
1,562
1,173
1,254
876
851
947
709
758
753
733
814
609
650
Esurance Ins Co
0.10%
1,750
1,139
1,473
1,093
1,081
1,309
868
1,114
824
821
822
555
711
525
526
754
526
655
501
502
Geico Indemnity Co
0.79%
1,475
1,081
1,269
1,061
977
1,141
845
995
835
762
955
712
838
706
642
815
610
716
605
551
Guideone Elite Ins Co
0.00%
1,623
1,270
1,396
1,065
1,167
1,392
1,089
1,197
914
1,001
929
728
798
611
668
587
460
503
387
421
Private Passenger Auto Insurance
Driver A
Driver B
Driver C
Driver D
2005 Premium Comparison
21-yr old male, single, principal operator,
21-yr old female, single, principal
35-yr old male, married, principal
68-yr old female, married, pleasure use
(Premiums for six months coverage on a
drives less than 10 miles to work each way,
operator, drives less than 10 miles to
operator, drives less than 15 miles to
only, annual mileage less than 7,500 miles,
2004 Ford Taurus LX 4-door sedan)
no accidents or traffic convictions in three
work each way, no accidents or traffic
work each way, no accidents or traffic
no accidents or traffic convictions in
years.
convictions in three years.
convictions in three years.
three years.
Mkt
Grand Ft.
Grand
Ft.
Grand
Ft.
Grand Ft.
Guideone Mutual Ins Co
0.00%
1,865
1,459
1,605
1,224
1,344
1,599
1,251
1,377
1,050
1,152
1,069
837
919
703
770
676
529
580
446
487
Guideone Specialty Mutual Ins Co
0.00%
2,238
1,750
1,925
1,471
1,609
1,919
1,501
1,651
1,262
1,309
1,283
1,004
1,102
845
922
811
635
696
536
583
Integon Indemnity Corp
0.02%
2,140
1,129
1,372
1,174
1,122
1,568
830
1,017
843
815
983
521
643
521
507
952
523
627
523
510
Liberty Mutual Fire Ins Co
0.00%
1,821
1,342
1,620
1,335
1,135
1,366
1,008
1,215
1,001
852
786
582
698
577
491
661
491
587
484
414
Mid-Century Ins Co 3(a)
3.90%
1,813
1,405
1,380
1,183
1,201
1,828
1,379
1,367
1,163
1,185
1,017
768
762
657
659
836
631
626
542
541
National Farmers Union P&C Co
0.36%
1,634
1,242
1,300
1,066
1,107
1,312
997
1,045
856
890
868
660
692
567
589
721
548
574
471
489
National General Ins Co
0.02%
1,642
1,126
1,352
1,056
1,068
1,282
878
1,058
816
828
762
514
628
475
483
702
485
583
448
455
Progressive Halcyon Ins Co
0.69%
1,417
984
1,068
1,036
896
1,059
747
807
771
679
652
470
508
479
428
638
468
500
473
426
Progressive Preferred Ins Co
0.10%
1,276
905
1,041
957
824
925
664
755
681
601
644
459
526
469
411
602
435
492
444
394
Safeco Ins Co Of Illinois
0.00%
1,872
1,290
1,615
1,133
1,247
1,398
963
1,198
846
934
902
631
788
555
603
737
508
633
445
490
Sentry Ins A Mutual Co
0.14%
1,793
1,476
1,594
1,289
1,294
1,233
1,017
1,097
886
889
952
787
849
684
686
832
688
742
597
599
Shelter Mutual Ins Co
0.71%
1,360
994
1,122
904
897
993
727
820
662
657
725
532
599
485
481
534
393
442
359
356
State Farm Fire & Casualty Co
1.52%
1,470
1,134
1,288
998
1,021
1,182
912
1,036
802
820
873
675
765
592
605
632
490
555
428
438
Unitrin Auto & Home Ins Co
0.13%
1,505
1,435
2,048
1,192
1,192
1,382
1,317
1,879
1,095
1,095
765
729
1,037
607
607
656
625
888
521
521
Median Premium
1,505
1,134
1,300
1,056
1,068
1,233
912
1,045
816
828
765
631
692
555
589
656
490
574
448
455
Non-Standard Programs
Allstate Indemnity Co
0.66%
1,405
1,200
1,202
1,111
1,018
1,021
877
878
802
741
774
665
666
608
564
797
686
688
621
579
American Bankers Ins Co Of Florida
0.95%
2,210
1,557
1,869
1,450
1,454
1,815
1,277
1,533
1,189
1,192
1,297
909
1,094
846
851
1,279
898
1,078
836
838
American Standard Ins Co Of Wisconsin
2.60%
3,137
2,025
2,362
1,659
1,926
2,182
1,408
1,642
1,155
1,340
1,501
969
1,128
796
922
1,107
714
831
588
680
Country Casualty Ins Co
0.04%
2,559
2,007
2,139
1,828
1,647
2,238
1,756
1,871
1,598
1,440
1,747
1,372
1,461
1,246
1,124
1,649
1,295
1,379
1,176
1,061
Dairyland Ins Co
0.12%
3,306
2,760
2,874
2,388
2,412
2,460
2,052
2,124
1,764
1,782
1,512
1,260
1,332
1,080
1,098
1,740
1,470
1,524
1,284
1,290
Deerbrook Ins Co
0.19%
1,804
1,173
1,554
1,153
1,117
1,349
874
1,168
850
829
958
615
835
589
579
935
611
829
573
570
Esurance Ins Co
0.05%
2,408
1,581
2,032
1,519
1,504
1,811
1,216
1,549
1,158
1,152
1,126
776
979
736
738
990
708
867
676
676
Fireman's Fund Ins Co
0.00%
2,791
2,501
2,892
2,284
2,892
2,254
2,020
2,335
1,846
2,335
Geico Casualty Co
1.00%
1,950
1,423
1,659
1,395
1,292
1,593
1,172
1,367
1,149
1,061
1,296
961
1,124
954
871
1,252
930
1,086
920
842
General Ins Co Of America
0.41%
2,456
1,698
2,117
1,491
1,637
1,835
1,268
1,571
1,113
1,226
1,191
835
1,040
734
797
968
669
831
587
645
Integon Indemnity Corp
0.05%
3,079
1,602
1,971
1,656
1,585
2,270
1,182
1,469
1,193
1,157
1,538
796
1,001
797
778
1,446
784
950
782
764
Liberty Ins Corporation
0.00%
1,616
1,191
1,437
1,184
1,007
1,259
930
1,119
923
785
956
707
849
700
596
822
609
730
602
513
Mendota Ins Co
0.62%
2,798
1,934
2,141
1,720
1,914
2,193
1,523
1,695
1,358
1,499
1,427
992
1,106
885
973
1,431
995
1,109
888
978
National Farmers Union P&C Co
0.04%
2,219
1,684
1,766
1,446
1,503
1,778
1,351
1,417
1,159
1,206
1,176
893
936
767
797
974
741
777
636
661
National General Ins Co
0.03%
2,283
1,562
1,880
1,460
1,480
1,784
1,218
1,470
1,130
1,148
1,055
711
871
657
668
958
660
794
612
619
Northbrook Indemnity Co
0.12%
2,201
1,431
1,896
1,407
1,363
1,646
1,066
1,425
1,037
1,011
1,168
750
1,018
717
706
1,141
745
1,012
699
695
Omni Ins Co
0.12%
2,396
1,606
1,922
1,387
1,824
1,802
1,198
1,452
1,036
1,356
1,201
799
982
690
905
1,065
688
861
591
774
Progressive Halcyon Ins Co
0.60%
1,836
1,278
1,388
1,343
1,167
1,376
979
1,056
1,007
891
877
637
686
649
581
851
631
671
636
576
Progressive Preferred Ins Co
0.25%
1,524
1,079
1,242
1,141
984
1,104
791
898
810
716
760
542
621
552
484
763
550
621
562
499
Shelter General Ins Co
0.10%
1,895
1,365
1,643
1,278
1,204
1,361
983
1,181
921
868
1,039
752
902
706
665
766
557
667
524
494
Trumbull Ins Co
0.05%
2,662
1,784
2,136
1,541
2,027
2,002
1,331
1,613
1,152
1,506
1,335
887
1,092
766
1,005
1,183
764
956
656
861
Viking Ins Co Of Wisconsin
0.85%
2,330
1,914
1,986
1,452
1,649
1,871
1,549
1,595
1,171
1,332
1,222
993
1,050
759
856
1,060
877
905
664
753
Median Premium
2,242
1,389
1,600
1,263
1,203
1,715
1,132
1,439
1,037
1,080
1,112
751
942
698
687
1,009
674
828
624
657
Notes:
(1) Market share figures are the individual Co's preferred, standard and non-standard programs written premium divided by the total direct written premium for all Colorado companies writing private passenger auto.
(2) $200 deductible used. Also, single car class factors were used for drivers A and B and multi-car class factors for drivers C and D.
(3)(a) All drivers quoted with a $200 Comprehensive deductible. (b) All drivers quoted with 30/60/15 BI/PD and UM and a $240 Comprehensive deductible due to minimum requirements.
(4) United Services Auto Assoc and USAA Casualty Ins Co coverage are generally available only to current, retired and former US military personnel and their dependents.
(5)(a) New Business Discount applied. (b) Driver D quoted with 55 and Retired Discount.
Uninsured/Underinsured Motorist
omprehensive and collision insurance
October 2005
C
he "uninsured motorist" portion of this coverage is
Comprehensive insurance protects you against
o use this guide effectively you need to choose which
Tfor your bodily injury losses caused by a hit-and-run damage to your own car from such perils as fire, theft,
of the four drivers (driver A, B, C or D) most closely
T
driver or a driver who has no automobile liability
glass damage, hail, windstorm, flood, vandalism and other
compares to you and then determine the program that
insurance. This coverage takes the place of insurance the
causes. Collision insurance pays for damages to your car
reflects your experience as a driver. Preferred programs
other driver should have purchased.
when caused by collision with another vehicle or object.
Auto Insurance
are for drivers with the best driving records, standard
The "underinsured motorist" portion of this coverage
Collision insurance is typically purchased for late model
programs are for drivers with average driving records and
is for bodily injury losses that you are legally entitled to
vehicles and is often required by lenders as a condition to
Premium Comparison
non-standard programs are for drivers with poor driving
collect from the owner or driver of an underinsured
financing the vehicle.
records.
vehicle. An underinsured vehicle is a vehicle that is
The premiums quoted in this guide were drawn from
insured, but the bodily injury liability limits of that
ninsured Motorist Property Damage
U
a survey of 2005 premiums and are based on a 4-door
vehicle's policy are less than the limits of your
This is an optional coverage you can request if you
sedan, 2004 Ford Taurus LX. All premiums in this guide
uninsured/underinsured motorist coverage. The minimum
do not have collision coverage on your vehicle.
A SURVEY OF PRIVATE
are for a coverage period of six months and reflect a
amount of uninsured/underinsured motorist coverage,
Uninsured Motorist Property Damage (UMPD) pays for
comprehensive deductible of $250 and collision
PASSENGER AUTOMOBILE
unless waived by the policyholder, is as follows:
damages to your vehicle caused by an at-fault owner of an
deductible of $250 unless otherwise noted.
$25,000 per person for uninsured/underinsured
uninsured motor vehicle. UMPD will not pay if the
INSURANCE COSTS IN COLORADO
Coverage limits for the vehicle are the minimum
motorist;
vehicles did not touch.
required by law, unless otherwise noted. Read the
$50,000 per accident for uninsured/underinsured
explanations below for a careful examination of these
motorist.
owing and Labor
T
minimum coverages. Each individual and family should
This covers some costs incurred for services rendered
determine the appropriate amount of insurance to
What are optional coverage's?
at the place of breakdown or for towing to a repair shop.
purchase based on his or her own financial situation. For
It may cover tire changes and assisting you with
n Colorado you can purchase several types of optional
example, if you have assets worth $300,000, the minimum
unlocking your doors if you locked the keys in your
Icoverage to add to your personal auto policy. For
amount of liability required by law, is not adequate in
automobile.
example:
itself to protect you financially.
Medical Payments
ontact your insurance company or agent for
C
What are the minimum
Rental Reimbursement
additional options that may be available to you.
coverages required by law?
Comprehensive and Collision
Some coverages vary or may not be offered.
Uninsured Motorist Property Damage
olorado law mandates that automobile insurance
Towing and Labor
Tips for lowering your premium
Cpolicies sold in the state provide:
Shop around using the information in this guide.
edical Payments (Med-Pay)
Liability insurance and
Maintain a good driving record.
M
Uninsured/underinsured motorist coverage.
Med-Pay pays for reasonable medical expenses you
Take the highest deductible you can afford on your
This can coverage can be waived only if it has been
and your passengers incur because of injury in an
comprehensive and collision coverage.
rejected in writing by the insured.
automobile accident, regardless of fault. This coverage is
Before buying a vehicle, determine the cost of
primary over your health insurance and covers the
insuring it.
The definitions below provide more detail on each
medical bills of passengers that are not members of
Ask your company or agent if you are eligible to
type of insurance.
your family. The amount of med-pay coverage available
reduce your premiums through discounts or by
will vary by company. When considering the coverage to
choosing optional coverages or benefits.
purchase check your health insurance policy or contract to
Liability
Discounts may also be available, such as good
A publication of the
see if automobile accidents are covered. If you are a labor
student, driver training, multiple cars or multiple
iability insurance is generally defined as coverage for
Department of Regulatory Agencies
union member or covered under a self-insured plan, your
Lbodily injury you cause to another person or for
policies, compact car, anti-theft, air bags and
contract may specifically exclude benefits related to an
Colorado Division of Insurance
property damage you cause to another's property
pleasure-use only.
automobile accident up to a certain dollar amount. If you
through negligent operation of your vehicle. Liability
Always read your policy contract.
1560 Broadway, Suite 850
are covered under these plans, consult your benefits
insurance also affords coverage if the accident was caused
Visit the Division's website to view other
manager or certificate of coverage to determine what
Denver, CO 80202
by a member of your household driving your vehicle or by
publications that can assist you with making your
coverage you have.
303-894-7499
a person using your vehicle with your consent. The
insurance choices at:
minimum amount of liability insurance required by
www.dora.state.co.us/insurance/consumer/pc.htm
800-930-3745
ental Reimbursement
Colorado law is as follows:
R
www.dora.state.co.us/insurance
$25,000 per person for bodily injury;
This coverage pays expenses incurred for renting a
$50,000 per accident for bodily injury;
car when your auto is rendered inoperative due to a
$15,000 per accident for property damage.
covered loss.
Private Passenger Auto Insurance
Driver A
Driver B
Driver C
Driver D
2005 Premium Comparison
21-yr old male, single, principal operator,
21-yr old female, single, principal
35-yr old male, married, principal
68-yr old female, married, pleasure use
(Premiums for six months coverage on a
drives less than 10 miles to work each way,
operator, drives less than 10 miles to
operator, drives less than 15 miles to
only, annual mileage less than 7,500 miles,
2004 Ford Taurus LX 4-door sedan)
no accidents or traffic convictions in three
work each way, no accidents or traffic
work each way, no accidents or traffic
no accidents or traffic convictions in
years.
convictions in three years.
convictions in three years.
three years.
Mkt
Grand Ft.
Grand
Ft.
Grand
Ft.
Grand Ft.
Company
Share 1
Denver Littleton
Pueblo
Juntion Collins
Denver Littleton Pueblo Junction Collins
Denver Littleton Pueblo Junction Collins
Denver Littleton Pueblo
Juntion Collins
Preferred Program
Allied P&C Ins Co
0.36%
847
725
1,121
635
642
689
594
905
521
527
418
371
534
330
332
386
343
489
306
308
Allstate P&C Ins Co
0.10%
1,129
844
936
808
703
883
657
731
624
547
599
441
497
418
367
469
343
388
323
286
Amco Ins Co
0.39%
887
760
1,174
664
672
722
622
947
546
552
444
388
559
345
348
404
359
512
320
322
American Family Mutual Ins Co
7.93%
1,884
1,213
1,423
993
1,167
1,313
845
990
693
813
906
583
682
479
561
670
431
504
355
415
American National P & C Co 2
0.92%
1,485
1,146
1,106
989
1,043
1,543
1,192
1,145
1,030
1,086
943
707
730
600
635
744
546
593
457
486
Amica Mutual Ins Co
0.56%
1,329
1,047
1,140
952
909
1,111
876
954
797
761
539
426
466
392
377
566
448
489
412
394
California Casualty Indemnity Exchange
0.41%
1,428
1,113
1,241
949
985
1,017
795
885
676
701
683
534
594
453
470
516
405
450
343
355
Colorado Farm Bureau Mutual Ins Co
1.07%
1,152
873
971
798
760
1,050
797
885
729
693
723
548
609
501
477
662
502
557
460
438
Commerce And Industry Ins Co
0.00%
1,131
869
981
788
689
933
718
815
657
571
699
543
620
474
424
644
501
568
436
389
Country Mutual Ins Co
0.88%
1,444
1,133
1,207
1,031
929
1,224
961
1,024
873
788
888
698
743
633
571
821
645
687
585
528
Country Preferred Ins Co
0.39%
1,312
1,029
1,097
937
844
1,112
873
930
794
716
807
634
676
576
519
746
587
625
532
480
Depositors Ins Co
0.10%
824
706
1,092
618
625
671
578
881
508
513
407
361
520
321
323
376
334
477
298
300
Encompass Indemnity Co
0.22%
985
736
991
661
633
822
615
825
553
530
548
411
546
371
357
494
372
491
336
323
Esurance Ins Co
0.10%
1,295
848
1,092
814
806
969
648
826
616
613
545
376
473
358
357
529
374
462
354
356
Farmers Ins Exchange 3(b)
10.17%
1,871
1,311
1,201
1,084
2,084
1,516
1,055
964
867
1,678
687
480
443
404
413
504
354
331
306
305
First Liberty Ins Corp., The
0.00%
1,729
1,274
1,539
1,270
1,079
1,297
957
1,154
953
810
746
552
663
548
467
627
466
557
461
393
Geico General Ins Co
1.55%
1,165
839
1,006
816
736
891
639
761
612
562
657
474
565
458
418
427
310
369
300
274
Government Employees Ins Co
1.05%
1,165
839
1,006
816
736
891
639
761
612
562
657
474
565
458
418
427
310
369
300
274
Guideone America Ins Co
0.00%
1,499
1,171
1,289
984
1,078
1,285
1,004
1,105
844
925
858
671
737
564
617
542
424
465
357
389
Integon Indemnity Corp
0.01%
1,579
839
1,017
870
830
1,162
621
756
627
609
729
390
479
390
380
713
395
472
393
384
Middlesex Ins Co
0.00%
1,580
1,308
1,363
1,120
1,103
1,086
900
938
769
758
838
696
725
593
585
733
609
634
518
511
National Farmers Union P&C Co
0.28%
963
731
767
628
652
773
588
615
505
525
512
389
408
335
348
426
323
339
278
289
National General Ins Co
0.19%
1,522
1,045
1,253
979
991
1,190
817
983
758
770
700
474
578
437
445
651
450
540
415
421
Progressive Halcyon Ins Co
1.63%
956
667
723
699
608
715
511
548
523
464
403
296
317
301
271
408
306
322
308
280
Progressive Preferred Ins Co
0.11%
888
630
726
671
577
645
463
528
479
420
422
302
346
309
272
420
306
345
310
276
Safeco Ins Co Of America
1.96%
1,428
980
1,245
864
952
955
656
818
577
638
610
425
532
374
409
502
345
431
303
334
Shelter Mutual Ins Co
0.11%
865
635
713
578
569
632
465
521
423
416
461
340
381
310
305
340
251
281
230
226
Standard Fire Ins Co, The
0.13%
1,252
761
940
841
869
1,046
635
786
702
727
574
352
433
389
401
451
278
341
306
317
State Farm Mutual Auto Ins Co 5(a)
20.14%
1,157
889
1,017
782
803
930
715
818
629
646
687
529
604
464
477
498
384
439
336
345
Trinity Universal Ins Co Of Kansas, Inc.
0.16%
2,906
1,573
2,521
1,366
1,636
2,212
1,208
1,922
1,050
1,253
1,310
729
1,136
632
747
1,147
641
995
555
657
Union Ins Co Of Providence
0.08%
1,257
1,226
1,357
1,022
1,094
1,159
1,131
1,253
942
1,007
705
684
761
571
610
608
588
655
491
525
United Services Auto Assoc 4
3.42%
1,109
911
949
772
771
855
704
733
598
597
550
456
474
389
389
438
363
378
313
312
Unitrin Auto & Home Ins Co
0.18%
1,162
1,106
1,579
919
919
1,069
1,017
1,453
846
846
578
550
783
459
459
491
467
663
390
390
USAA Casualty Ins Co 4
2.79%
1,151
946
988
801
801
886
730
762
620
619
524
435
453
372
371
418
348
362
299
299
Median Premium
1,165
911
1,017
841
830
955
704
786
627
638
610
456
532
390
409
491
363
431
313
334
Standard Program
Allied P&C Ins Co
0.07%
986
843
1,309
736
745
801
687
1,054
603
610
653
568
853
500
505
593
516
769
455
459
Allstate P&C Ins Co 5(b)
2.01%
1,364
1,020
1,142
967
844
1,067
795
892
748
657
724
534
607
501
441
566
414
473
387
343
Amco Ins Co
0.09%
1,032
883
1,371
771
780
838
721
1,104
631
638
684
595
893
523
528
621
540
805
476
480
American National General Ins Co 2
0.12%
2,329
1,776
1,754
1,532
1,601
2,374
1,814
1,785
1,566
1,636
1,560
1,157
1,218
981
1,028
1,243
900
998
751
794
Colorado Farm Bureau Mutual Ins Co
0.02%
1,848
1,398
1,560
1,290
1,223
1,686
1,275
1,423
1,177
1,116
1,156
875
976
808
766
1,060
801
894
741
701
Country Casualty Ins Co
0.04%
1,757
1,380
1,470
1,254
1,131
1,538
1,208
1,287
1,097
989
1,202
945
1,006
857
773
1,135
893
950
809
730
Depositors Ins Co
0.02%
960
821
1,275
717
726
780
671
1,027
587
594
636
553
831
487
491
577
503
749
443
447
Emcasco Ins Co
0.03%
1,566
1,530
1,694
1,272
1,359
1,444
1,409
1,562
1,173
1,254
876
851
947
709
758
753
733
814
609
650
Esurance Ins Co
0.10%
1,750
1,139
1,473
1,093
1,081
1,309
868
1,114
824
821
822
555
711
525
526
754
526
655
501
502
Geico Indemnity Co
0.79%
1,475
1,081
1,269
1,061
977
1,141
845
995
835
762
955
712
838
706
642
815
610
716
605
551
Guideone Elite Ins Co
0.00%
1,623
1,270
1,396
1,065
1,167
1,392
1,089
1,197
914
1,001
929
728
798
611
668
587
460
503
387
421
Private Passenger Auto Insurance
Driver A
Driver B
Driver C
Driver D
2005 Premium Comparison
21-yr old male, single, principal operator,
21-yr old female, single, principal
35-yr old male, married, principal
68-yr old female, married, pleasure use
(Premiums for six months coverage on a
drives less than 10 miles to work each way,
operator, drives less than 10 miles to
operator, drives less than 15 miles to
only, annual mileage less than 7,500 miles,
2004 Ford Taurus LX 4-door sedan)
no accidents or traffic convictions in three
work each way, no accidents or traffic
work each way, no accidents or traffic
no accidents or traffic convictions in
years.
convictions in three years.
convictions in three years.
three years.
Mkt
Grand Ft.
Grand
Ft.
Grand
Ft.
Grand Ft.
Guideone Mutual Ins Co
0.00%
1,865
1,459
1,605
1,224
1,344
1,599
1,251
1,377
1,050
1,152
1,069
837
919
703
770
676
529
580
446
487
Guideone Specialty Mutual Ins Co
0.00%
2,238
1,750
1,925
1,471
1,609
1,919
1,501
1,651
1,262
1,309
1,283
1,004
1,102
845
922
811
635
696
536
583
Integon Indemnity Corp
0.02%
2,140
1,129
1,372
1,174
1,122
1,568
830
1,017
843
815
983
521
643
521
507
952
523
627
523
510
Liberty Mutual Fire Ins Co
0.00%
1,821
1,342
1,620
1,335
1,135
1,366
1,008
1,215
1,001
852
786
582
698
577
491
661
491
587
484
414
Mid-Century Ins Co 3(a)
3.90%
1,813
1,405
1,380
1,183
1,201
1,828
1,379
1,367
1,163
1,185
1,017
768
762
657
659
836
631
626
542
541
National Farmers Union P&C Co
0.36%
1,634
1,242
1,300
1,066
1,107
1,312
997
1,045
856
890
868
660
692
567
589
721
548
574
471
489
National General Ins Co
0.02%
1,642
1,126
1,352
1,056
1,068
1,282
878
1,058
816
828
762
514
628
475
483
702
485
583
448
455
Progressive Halcyon Ins Co
0.69%
1,417
984
1,068
1,036
896
1,059
747
807
771
679
652
470
508
479
428
638
468
500
473
426
Progressive Preferred Ins Co
0.10%
1,276
905
1,041
957
824
925
664
755
681
601
644
459
526
469
411
602
435
492
444
394
Safeco Ins Co Of Illinois
0.00%
1,872
1,290
1,615
1,133
1,247
1,398
963
1,198
846
934
902
631
788
555
603
737
508
633
445
490
Sentry Ins A Mutual Co
0.14%
1,793
1,476
1,594
1,289
1,294
1,233
1,017
1,097
886
889
952
787
849
684
686
832
688
742
597
599
Shelter Mutual Ins Co
0.71%
1,360
994
1,122
904
897
993
727
820
662
657
725
532
599
485
481
534
393
442
359
356
State Farm Fire & Casualty Co
1.52%
1,470
1,134
1,288
998
1,021
1,182
912
1,036
802
820
873
675
765
592
605
632
490
555
428
438
Unitrin Auto & Home Ins Co
0.13%
1,505
1,435
2,048
1,192
1,192
1,382
1,317
1,879
1,095
1,095
765
729
1,037
607
607
656
625
888
521
521
Median Premium
1,505
1,134
1,300
1,056
1,068
1,233
912
1,045
816
828
765
631
692
555
589
656
490
574
448
455
Non-Standard Programs
Allstate Indemnity Co
0.66%
1,405
1,200
1,202
1,111
1,018
1,021
877
878
802
741
774
665
666
608
564
797
686
688
621
579
American Bankers Ins Co Of Florida
0.95%
2,210
1,557
1,869
1,450
1,454
1,815
1,277
1,533
1,189
1,192
1,297
909
1,094
846
851
1,279
898
1,078
836
838
American Standard Ins Co Of Wisconsin
2.60%
3,137
2,025
2,362
1,659
1,926
2,182
1,408
1,642
1,155
1,340
1,501
969
1,128
796
922
1,107
714
831
588
680
Country Casualty Ins Co
0.04%
2,559
2,007
2,139
1,828
1,647
2,238
1,756
1,871
1,598
1,440
1,747
1,372
1,461
1,246
1,124
1,649
1,295
1,379
1,176
1,061
Dairyland Ins Co
0.12%
3,306
2,760
2,874
2,388
2,412
2,460
2,052
2,124
1,764
1,782
1,512
1,260
1,332
1,080
1,098
1,740
1,470
1,524
1,284
1,290
Deerbrook Ins Co
0.19%
1,804
1,173
1,554
1,153
1,117
1,349
874
1,168
850
829
958
615
835
589
579
935
611
829
573
570
Esurance Ins Co
0.05%
2,408
1,581
2,032
1,519
1,504
1,811
1,216
1,549
1,158
1,152
1,126
776
979
736
738
990
708
867
676
676
Fireman's Fund Ins Co
0.00%
2,791
2,501
2,892
2,284
2,892
2,254
2,020
2,335
1,846
2,335
Geico Casualty Co
1.00%
1,950
1,423
1,659
1,395
1,292
1,593
1,172
1,367
1,149
1,061
1,296
961
1,124
954
871
1,252
930
1,086
920
842
General Ins Co Of America
0.41%
2,456
1,698
2,117
1,491
1,637
1,835
1,268
1,571
1,113
1,226
1,191
835
1,040
734
797
968
669
831
587
645
Integon Indemnity Corp
0.05%
3,079
1,602
1,971
1,656
1,585
2,270
1,182
1,469
1,193
1,157
1,538
796
1,001
797
778
1,446
784
950
782
764
Liberty Ins Corporation
0.00%
1,616
1,191
1,437
1,184
1,007
1,259
930
1,119
923
785
956
707
849
700
596
822
609
730
602
513
Mendota Ins Co
0.62%
2,798
1,934
2,141
1,720
1,914
2,193
1,523
1,695
1,358
1,499
1,427
992
1,106
885
973
1,431
995
1,109
888
978
National Farmers Union P&C Co
0.04%
2,219
1,684
1,766
1,446
1,503
1,778
1,351
1,417
1,159
1,206
1,176
893
936
767
797
974
741
777
636
661
National General Ins Co
0.03%
2,283
1,562
1,880
1,460
1,480
1,784
1,218
1,470
1,130
1,148
1,055
711
871
657
668
958
660
794
612
619
Northbrook Indemnity Co
0.12%
2,201
1,431
1,896
1,407
1,363
1,646
1,066
1,425
1,037
1,011
1,168
750
1,018
717
706
1,141
745
1,012
699
695
Omni Ins Co
0.12%
2,396
1,606
1,922
1,387
1,824
1,802
1,198
1,452
1,036
1,356
1,201
799
982
690
905
1,065
688
861
591
774
Progressive Halcyon Ins Co
0.60%
1,836
1,278
1,388
1,343
1,167
1,376
979
1,056
1,007
891
877
637
686
649
581
851
631
671
636
576
Progressive Preferred Ins Co
0.25%
1,524
1,079
1,242
1,141
984
1,104
791
898
810
716
760
542
621
552
484
763
550
621
562
499
Shelter General Ins Co
0.10%
1,895
1,365
1,643
1,278
1,204
1,361
983
1,181
921
868
1,039
752
902
706
665
766
557
667
524
494
Trumbull Ins Co
0.05%
2,662
1,784
2,136
1,541
2,027
2,002
1,331
1,613
1,152
1,506
1,335
887
1,092
766
1,005
1,183
764
956
656
861
Viking Ins Co Of Wisconsin
0.85%
2,330
1,914
1,986
1,452
1,649
1,871
1,549
1,595
1,171
1,332
1,222
993
1,050
759
856
1,060
877
905
664
753
Median Premium
2,242
1,389
1,600
1,263
1,203
1,715
1,132
1,439
1,037
1,080
1,112
751
942
698
687
1,009
674
828
624
657
Notes:
(1) Market share figures are the individual Co's preferred, standard and non-standard programs written premium divided by the total direct written premium for all Colorado companies writing private passenger auto.
(2) $200 deductible used. Also, single car class factors were used for drivers A and B and multi-car class factors for drivers C and D.
(3)(a) All drivers quoted with a $200 Comprehensive deductible. (b) All drivers quoted with 30/60/15 BI/PD and UM and a $240 Comprehensive deductible due to minimum requirements.
(4) United Services Auto Assoc and USAA Casualty Ins Co coverage are generally available only to current, retired and former US military personnel and their dependents.
(5)(a) New Business Discount applied. (b) Driver D quoted with 55 and Retired Discount.