Colorado Auto Insurance You Can Count On
We shop 20+ top carriers to find you the best coverage at the lowest rate — so you can drive with confidence.
Get a Free QuoteProtecting Colorado Drivers Since Day One
Whether you're commuting through Denver, navigating mountain passes, or road-tripping across the state, ABIM Insurance finds the right auto policy for your life and budget. Our independent agents compare rates across multiple carriers — Farmers, Progressive, Safeco, Travelers, and more — so you never have to settle for less than the best coverage at the best price.
Coverage Options
From state-minimum liability to full comprehensive protection — we'll help you choose what's right for you.
Liability Coverage
Required by Colorado law. Covers bodily injury and property damage you cause to others in an at-fault accident.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault.
Comprehensive Coverage
Protects against non-collision events: theft, hail, fire, flooding, and wildlife strikes — common in Colorado.
Uninsured / Underinsured Motorist
Covers your costs when the at-fault driver has no insurance or insufficient coverage to pay your damages.
Medical Payments (MedPay)
Pays medical expenses for you and your passengers after an accident, regardless of who was at fault.
Rental Reimbursement
Covers the cost of a rental car while your vehicle is being repaired after a covered claim.
Why Choose ABIM for Auto Insurance?
As an independent agency, we work for you — not the insurance companies. That means unbiased advice, multiple quotes, and a team that's in your corner from policy purchase through claims.
- Access to 20+ top-rated carriers for competitive rates
- Colorado-licensed agents who know local roads and risks
- Personalized coverage — not one-size-fits-all policies
- Fast, friendly claims guidance when you need it most
- Multilingual service available in English, Spanish, and Russian
- Serving Colorado drivers since day one
Ready to Save on Auto Insurance?
Get a free, no-obligation quote in minutes. Our agents will compare rates from top Colorado carriers and walk you through every option.
Request a Free Quote720-908-6854Auto Insurance in Colorado: What You Need to Know
25/50/15
State Minimum Liability Limits (in thousands)
1 in 6
Colorado drivers estimated to be uninsured
Top 5
Colorado ranks among top states for hail damage claims
Colorado's unique climate — hailstorms, icy mountain roads, and high wildlife activity — means your auto insurance needs are different from drivers in other states. ABIM Insurance specializes in Colorado coverage and will make sure you're protected for the risks that matter most here.
Frequently Asked Questions
What is the minimum auto insurance required in Colorado?
Colorado requires at minimum: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage liability. However, minimum coverage often isn't enough to fully protect you — we can help you find the right level.
How can I lower my car insurance premium?
Bundling home and auto, maintaining a clean driving record, raising your deductible, and taking a defensive driving course are all proven ways to reduce your premium. Our agents will shop multiple carriers to find you the best rate.
Does Colorado require uninsured motorist coverage?
Colorado insurers must offer uninsured/underinsured motorist coverage, but you can decline it in writing. Given that roughly 1 in 6 Colorado drivers is uninsured, we strongly recommend keeping this coverage.
Will my insurance cover hail damage?
Yes — comprehensive coverage protects against hail, which is one of the most common and costly claims in Colorado. If you only carry liability, hail damage to your own vehicle would not be covered.
How do I file a claim?
Contact your carrier directly using the number on your insurance card, or call our office and we'll guide you through the process. We're here to advocate for you every step of the way.
Get Your Free Auto Insurance Quote Today
Don't overpay for coverage. Let ABIM Insurance shop the market for you and find the best policy for your needs and budget.