Teen Driver Insurance in Colorado: Rates & Discounts
Colorado requires 25/50/15 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesColorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
Teen drivers follow Colorado's Graduated Driver Licensing (GDL) program, which begins with a learner's permit at age 15, an intermediate license with passenger and curfew restrictions at age 16, and a full license at age 17 (or 16 years, six months if driver education is completed). Colorado law mandates that insurers offer good student discounts to teen drivers who maintain a B average or equivalent, making it one of the few states where this discount is a legal requirement rather than a carrier option.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Colorado
$347–$618/mo
Typical monthly rate in Colorado, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Find the Right Policy for Your Teen
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am (secondary)
Passengers
no passengers first 6 months, then max 1 younger than 21 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage your teen causes to others. This is the foundation of any teen driver policy and the only coverage Colorado legally requires.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your teen and the vehicle they drive. Essential if the vehicle is financed, leased, or worth more than $5,000.
Uninsured Motorist Coverage
Pays for injuries and vehicle damage when your teen is hit by a driver with no insurance or insufficient coverage. Not required in Colorado, but strongly recommended.
Collision Coverage
Pays to repair or replace your teen's vehicle after an accident, regardless of who was at fault. Required by lenders if the vehicle is financed or leased.
Comprehensive Coverage
Covers damage to your teen's vehicle from non-collision events: theft, vandalism, hail, fire, and animal strikes. Pairs with collision for complete physical damage protection.
Good Student Discount Programs
State-mandated discount for teen drivers maintaining a B average or 3.0 GPA. All Colorado insurers must offer this discount, making it a guaranteed savings opportunity for eligible students.