The Colorado Governor’s Office announced a roadmap highlighting tort reform as a key strategy to reduce auto insurance premiums, aiming to curb rising costs for residents through legal and regulatory changes.
The initiative seeks to address the high cost of auto insurance in Colorado, which currently ranks among the top five most expensive states for comprehensive coverage. The roadmap aims to lower this ranking to tenth within two years by implementing five strategies: improving road safety, preventing auto theft, reducing uninsured drivers, controlling repair costs, and mitigating weather-related impacts. The plan responds to a more than 40% rise in average U.S. auto insurance costs between June 2022 and June 2024, according to the Colorado Governor’s Office Roadmap to Reduce Auto Insurance Premiums.
Colorado drivers pay an average of $3,203 annually for full coverage auto insurance. Laws enacted in 2008 and 2019 increased litigation, driving up premiums by encouraging prolonged lawsuits and higher settlements. Reforming these statutes could reduce costs by limiting unnecessary delays and excessive attorney fees in claims, according to Complete Colorado.
Nationally, the average cost of full coverage car insurance reached $2,638 in 2025—up 12% from the previous year—adding about $289 annually for drivers. Premiums now account for 3.39% of the median household income of $77,719. Rising repair costs and higher claims frequency contribute to these trends according to Bankrate data.
The Colorado Governor’s Office is led by Jared Polis after roles in Congress, the State Board of Education, and entrepreneurship. The office includes the lieutenant governor overseeing health care savings initiatives and other policy areas such as eHealth innovation and disability policy. It prioritizes economic growth, renewable energy expansion, health care affordability, and education access according to the Governor’s Office.
