Auto Insurance
Whether you’re commuting through downtown Denver or heading into the mountains, you need auto insurance that protects you at every turn. RPM Agency helps Colorado drivers find the right coverage—without the confusing fine print.
What’s Covered by Auto Insurance
Liability Coverage
Covers bodily injury and property damage if you’re at fault in an accident. This is required by law in Colorado and protects you from out-of-pocket legal and medical expenses.
Collision Coverage
Helps pay for repairs or replacement if your vehicle is damaged in an accident with another vehicle or object, regardless of fault.
Comprehensive Coverage
Covers non-collision incidents like hail damage, theft, vandalism, or hitting a deer—crucial for Colorado drivers facing unpredictable weather and wildlife.
Uninsured/Underinsured Motorist Coverage
Protects you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers after an accident, regardless of who caused it.
Why Colorado Drivers Need Strong Coverage
Hail and Weather Damage
Colorado ranks among the top states for hail-related auto damage—comprehensive coverage is a must.
High Number of Uninsured Drivers
Nearly one in six Colorado drivers is uninsured, making uninsured motorist coverage especially important.
Mountain Driving Risks
Steep grades, wildlife crossings, and icy roads increase the chance of accidents—solid protection matters more here than in many other states.
Auto Insurance FAQs
What auto insurance is legally required in Colorado?
Colorado law requires drivers to carry liability coverage with minimum limits of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. However, these limits may not be enough in a serious accident. Most drivers choose higher limits and add coverage like collision, comprehensive, and MedPay for better protection. RPM helps you understand what’s required and what’s smart to add.
Does my auto insurance cover hail damage?
Only if you have comprehensive coverage. Hail damage is a common issue for Colorado drivers, especially during spring and summer storms. Without comprehensive insurance, repairs to your vehicle from hail may not be covered. We highly recommend this coverage for nearly all Colorado drivers.
What’s the difference between collision and comprehensive?
Collision covers damage to your car from hitting another vehicle or object—like a fence or pole—regardless of fault. Comprehensive covers non-collision incidents such as theft, vandalism, falling trees, or weather damage. Together, these two protections provide complete physical damage coverage for your car.
Is uninsured motorist coverage really necessary?
Yes. With a significant number of uninsured or underinsured drivers in Colorado, this coverage is one of the most important add-ons. It ensures that you’re financially protected if someone hits you and can’t pay for the damages. It also helps cover your medical bills and lost wages if you’re injured by an uninsured driver.
Can I use my personal auto policy for business driving?
Not usually. If you use your car regularly for work—like deliveries or client visits—you may need commercial auto coverage. Personal policies typically exclude business use and could deny a claim if an accident happens while you’re working. We’ll help you decide what policy type fits your needs.