About $337 a month
Commercial auto in Colorado
Insureon average for Colorado customers, updated March 2026
Colorado · state requirements
Commercial auto insurance in Colorado
For Colorado businesses running pickups, vans, tow trucks, moving trucks or passenger vehicles: state minimums, coverage you must reject in writing, PUC filings and costs.
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Get commercial auto quotes in Colorado
What similar businesses pay
- Commercial auto in Colorado
- About $337 a month
- Commercial auto nationwide
- About $245 a month
- National annual range
- Under $375 to over $16,000 a year
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Colorado costs
About $245 a month
Commercial auto nationwide
Insureon figure for its small business customers, updated March 2026
Under $375 to over $16,000 a year
National annual range
Insureon customer premiums, updated March 2026
Insureon reports that its Colorado customers pay an average of $337 a month, or $4,047 a year, for commercial auto, about 38% more than the $245 a month it reports nationwide. Most of those customers have fewer than five employees, so the figures mostly reflect a few cars, pickups and vans. Nationally, 40% of Insureon customers pay under $200 a month and another 29% pay $200 to $400. A tow truck, moving truck or passenger van that needs a PUC limit of $300,000 to $5,000,000 will cost well above those figures.
What moves your price
- Where each vehicle is garaged
- The number, type and value of vehicles on the policy
- Liability limits, including any PUC minimum for movers, towing or passenger carriers
- Whether you keep or reject UM/UIM and the $5,000 MedPay coverage
- Each driver’s record, including chain law and no-insurance citations
- Claims history and the deductibles you choose
Colorado
What’s different in Colorado
25/50/15 leaves $15,000 for property damage
C.R.S. 10-4-620 sets the floor at $25,000 per person and $50,000 per accident for injuries and only $15,000 for property damage. A crash that totals a newer vehicle or hits several cars can pass $15,000 quickly, and your business owes the rest.
UM/UIM is on the policy unless you reject it in writing
Under C.R.S. 10-4-609, every auto liability policy includes uninsured motorist cover unless the named insured rejects it in writing, and the insurer must offer it up to your bodily injury limits. On a multi-vehicle policy bought for a single premium, the limit may apply once per accident.
$5,000 MedPay is presumed unless you reject it
C.R.S. 10-4-635 requires $5,000 of medical payments coverage on every auto liability policy. You can reject it in writing, but if the insurer cannot produce proof of the rejection, the policy is presumed to include the $5,000 benefit.
Owners can be charged for letting an uninsured vehicle run
C.R.S. 42-4-1409 bars owners from permitting an uninsured vehicle to be driven. It is a class 1 misdemeanor traffic offense with a $500 minimum fine, rising to at least $1,000 for a second conviction within five years. Courts may also order at least 40 hours of community service.
Chain law season on I-70 runs September to May
Commercial vehicles must carry chains on I-70 from September 1 through the end of May. The Colorado State Patrol says a violation can cost up to $500, or up to $1,000 if a stuck truck blocks traffic. CPR reports a 2024 update added six more roadways where tractor-trailers must carry chains.
A lapse suspends PUC authority the same day
Movers, towing carriers and passenger carriers must keep insurance on file with the PUC. Under Rule 6009, if coverage is canceled with no replacement on file, the permit is summarily suspended from the date coverage ends.
Coverage
Coverage Colorado businesses need
Liability above the minimum
Pays for injuries and damage your vehicles cause to others. 25/50/15 is only the floor; PUC-regulated carriers must carry combined single limits of $300,000 to $5,000,000.
How commercial auto works →Uninsured and underinsured motorist
Pays your drivers and passengers when an at-fault driver has no insurance or not enough. Insurers must offer it up to your bodily injury limits, and MedPay or health insurance payments cannot reduce it.
How commercial auto works →Medical payments
Pays $5,000 or more in accident-related medical bills for people in your vehicle, whoever caused the crash, unless you reject it in writing.
How commercial auto works →Collision and comprehensive
Repairs or replaces your own vehicles. Insureon notes collision pays regardless of fault and comprehensive covers non-collision losses such as theft, vandalism, fire and flood.
How commercial auto works →Hired and non-owned auto
Covers your business when employees drive their own, rented or leased cars for work. Insureon says personal policies do not cover work errands such as deliveries or supply runs.
How commercial auto works →On-hook, garagekeepers and workers’ comp for towing
PUC Rule 6008 requires towing carriers to carry cargo cover for the vehicle in tow, garagekeepers liability if they store vehicles and workers’ comp or a filed exemption form.
Cargo and general liability for movers
Movers must carry cargo cover of $10,000 per vehicle or 60 cents a pound per article, whichever is greater, and $500,000 of general liability, each filed with the PUC.
How general liability works →Umbrella or excess
Adds liability above your auto policy when a contract or a potential claim calls for more than your primary limit.
How umbrella / excess works →Rules
Colorado requirements
Every vehicle registered in Colorado needs liability insurance, and every policy includes two coverages unless you reject them in writing. Movers, towing carriers and passenger carriers also answer to the Public Utilities Commission.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every motor vehicle owner, business or personal | $25,000 per person and $50,000 per accident for bodily injury, $15,000 for property damage, under C.R.S. 10-4-620. |
| Uninsured motorist coverage | Every auto liability policy issued in Colorado | Included unless the named insured rejects it in writing, and offered up to your bodily injury limits, under C.R.S. 10-4-609. |
| Medical payments coverage | Every auto liability policy issued in Colorado | $5,000 of benefits unless rejected in writing or in the medium used for the application, under C.R.S. 10-4-635. |
| Proof of insurance | Owners and drivers | Show proof after a crash or when an officer asks; a phone image counts. Violations carry a $500 minimum fine, under C.R.S. 42-4-1409. |
| Self-insurance | Owners with more than 25 registered vehicles | May apply to the Insurance Commissioner for a certificate of self-insurance, per the Colorado General Assembly. |
| Passenger carrier liability | PUC-regulated passenger carriers | $500,000 for 8 seats or fewer, $1,500,000 for 9 to 15, $3,000,000 for 16 to 32 and $5,000,000 for 33 or more, proved on Form E or a bond, under PUC Rule 6008. |
| Mover liability | PUC-regulated movers | $750,000 for vehicles of 10,000 lb GVWR or more and $300,000 below that, plus cargo and $500,000 general liability, under PUC Rule 6008. |
| Towing carrier liability | PUC-permitted towing carriers | $750,000 for any GVWR, plus on-hook cargo, garagekeepers if storing vehicles and workers’ comp or an exemption form, under PUC Rule 6008. |
| PUC filing cancellation | All carriers with PUC insurance filings | Insurers give the PUC 30 days’ notice on Form K; with no replacement on file, the permit is suspended from the date coverage ends, under PUC Rules 6008 and 6009. |
| Commercial vehicle chain law | Commercial vehicles on I-70 and other listed routes | Chains must be carried from September 1 through May; fines run up to $500, or $1,000 if a stuck vehicle blocks traffic, per the Colorado State Patrol. |
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Pay less
How to lower the cost
- Run motor vehicle records on every driver before hiring and each year; Insureon lists driving records among the main price factors.
- Stock chains in every truck before September 1 so chain law citations stay off drivers’ records.
- If employees only drive their own cars for errands, ask whether hired and non-owned auto coverage fits instead of a full fleet policy.
- Raise collision and comprehensive deductibles on older vehicles you could afford to repair yourself.
- Renew PUC-filed policies early; a lapse suspends your permit from the day coverage ends.
- Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- Vehicle list with VINs, GVWR, values and the Colorado address where each is garaged
- Driver list with license numbers and dates of birth
- Your current declarations page and any signed UM/UIM or MedPay rejections
- Loss runs from your current and prior insurers
- PUC permit or certificate number and carrier type, if you move, tow or carry passengers
- USDOT number if you operate interstate
- Whether your vehicles run I-70 or other mountain routes in winter
- The liability limits your customers or contracts require
Common questions
Commercial auto insurance in Colorado: questions
Is Colorado a no-fault state?
No. Colorado ended its no-fault system in 2003, and the current fault-based liability requirement in C.R.S. 10-4-620 took effect on July 1 of that year. The at-fault driver’s liability insurance pays for injuries and damage it causes.
Can my business reject uninsured motorist coverage in Colorado?
Yes. Under C.R.S. 10-4-609, the named insured can reject it in writing. A transportation network company cannot reject it for periods when a driver is on a prearranged ride.
Is MedPay required on a Colorado commercial auto policy?
It is included at $5,000 unless the named insured rejects it in writing or in the same medium used for the application, under C.R.S. 10-4-635. If the insurer cannot show a rejection, the coverage is presumed to be on the policy.
Can I show proof of insurance on my phone in Colorado?
Yes. C.R.S. 42-4-1409 accepts a policy shown on a cell phone or other electronic device.
What happens if a Colorado driver is caught without insurance?
It is a class 1 misdemeanor traffic offense with a minimum $500 fine, under C.R.S. 42-4-1409. A second conviction within five years carries at least $1,000, and the court cannot suspend that minimum.
How much liability does a Colorado tow truck need?
PUC Rule 6008 sets a $750,000 combined single limit for towing carriers of any weight, proved by a Form E or bond filing with the commission. Towers also need on-hook cargo cover and garagekeepers coverage if they store vehicles.
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Sources (10)
- Insureon: commercial auto insurance in Colorado (updated March 19, 2026)
- Insureon: commercial auto insurance cost (updated March 4, 2026)
- Colorado General Assembly: mandatory automobile insurance in Colorado
- C.R.S. 10-4-620, required coverage (Justia, 2025)
- C.R.S. 10-4-609, uninsured motorist coverage (Justia)
- C.R.S. 10-4-635, medical payments coverage (Justia, 2025)
- C.R.S. 42-4-1409, compulsory insurance penalties (FindLaw)
- Colorado PUC: 4 CCR 723-6, rules regulating transportation by motor vehicle
- Colorado Public Radio: Colorado’s updated tire chain law (January 2025)
- Aspen Times: State Patrol chain law enforcement on I-70 (October 2025)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.