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Fort Collins Car Insurance Resources

Fort Collins, CO Car Insurance

Cars Insured in Fort Collins

^ There are an estimated 108,223 vehicles currently insured in Fort Collins. [1]

Car Insurance Rates in Fort Collins

^ From 2006 to 2010, Colorado cities had the 24th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Fort Collins

^ There are an estimated 15,970 uninsured motorists driving in Fort Collins. [3]

CO Car Insurance

Fort Collins Car Insurance

Car Insurance Liability Requirements in Fort Collins

  • Minimum Liability Limits in Fort Collins: 25/50/15 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Fort Collins

Required Car Insurance Coverage in Fort Collins
  • Fort Collins Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Fort Collins

  • Insurer Verification of Auto Insurance in Fort Collins [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Fort Collins Car Insurance Facts, Estimates & Related Laws

Fort Collins Car Insurance Stats

Fort Collins Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Fort Collins
    • Based on historical and current data, 108,223 cars are currently insured in Fort Collins. [5]
    • Colorado cities collectively ranked 22nd in the nation in auto insurance policies in 2011 with a total of 3,780,070. [1]
  • Uninsured Motorist Rate in Fort Collins
    • Based on historical and current data, Fort Collins has an estimated 15,970 uninsured drivers. [6]
    • Colorado cities collectively had the 16th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Fort Collins
    • Colorado cities collectively had the 25th highest auto insurance rates in the nation in 2010. [2]

Fort Collins Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Fort Collins Automotive Laws

  • Minimum Driving Age in Fort Collins [9]
    • Fort Collins, CO minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Fort Collins
    • Renewal cycle: 10 years [7]
  • Motorcycle Helmet Laws in Fort Collins
    • Motorcycle helmets required for 17 and younger and passengers 17 and younger. [7]
  • Safety Belt Laws in Fort Collins
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for younger than 1 year and less than 20 pounds in a rear-facing infant seat; 1 - 3 years and 20-40 pounds in a child safety seat; 4 - 7 years in a booster seat. [7]

Colorado Car & Driver Facts

Colorado Auto Registrations

Colorado Car & Driver Facts
  • Auto Registrations in CO [8]
    • Registered Cars: 1,798,922
    • Registered Trucks: 2,350,093
    • Registered Motorcycles: 173,231
    • Total Registrations: 4,332,251
    • Rank: Colorado ranked 22nd in the United States in total auto registrations in 2011.

Colorado Automotive Facts

  • Speed Limits in CO
    • Rural interstates: 75 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Colorado Motor Fuel Consumption
    • Colorado cities collectively ranked 26th in the nation in total motor fuel consumption in 2011. [10]

Colorado Licensed Drivers

  • Licensed Drivers in CO [11]
    • Female Drivers: 1,843,108
    • Male Drivers: 1,826,708
    • Total Drivers: 3,669,816
    • Rank: 22nd highest in the U.S.

Additional information about Fort Collins, CO

About Fort Collins

Fort Collins (Colorado) is a city with a population of 143,986 [12] that is located in Larimer County.

CO Car Insurance

More about Fort Collins auto insurance

For more information about Fort Collins car insurance, or for additional resources regarding Colorado car insurance overall, visit the Colorado Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in CO