Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Does the state offer a grace period for car insurance?

I bought a car for the first time recently. I live in CO. Does the state offer a grace period in terms of getting insurance?

Apr 22, 2018 Westminster, CO

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Credentials
  • 9+ years of Experience in the Insurance Industry

If you have another policy already established with a car insurance company, they might offer a grace period. Meaning, a few weeks from when you buy it until you need to add it to your policy. However, the state wouldn't have anything to do with this. If you have an established policy and this is your additional vehicle, I would speak with your current company to see if they offer any grace period for you.

If you don't have any established policy, you need to get the vehicle insured immediately since you currently don't have any protection for the vehicle and it's legally required in Colorado. If you're interested, use The Zebra to compare car insurance companies in your area to find the most affordable rate.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Will I get dropped by my insurance company for two totaled cars?

I'm sorry to hear about your recent accidents. GEICO does reserve the right to non-renew your policy based on the number of claims you had. This is normal for insurance companies. The answer isn't always simple, and in my experience, I've seen the outcome go both ways.Making claims can be complicat…
Feb 27, 2023 Dillon, CO

Can an insurance company force me to be added to a policy?

It is normal for insurance companies, including Allstate, to require anyone in the household (of driving age) to be listed on a policy, "just in case." Even if you don't ever plan on driving their cars, insurers know that things come up and there is always a small chance. For example, if you're rid…
Feb 6, 2023 Denver, CO

What is the grace period with Progressive?

For most major car insurance companies (including Progressive), you’re correct. While Oregon doesn’t give you an official grace period under state law, many insurers will automatically extend your existing coverage to a newly purchased car for a short time, usually between 7 and 30 days depending o…
Jun 15, 2022 Portland, OR

If the repair costs more than the car without an accident, will it still get totaled?

Your insurance company will never get involved in helping you repair your vehicle if there was no accident or other loss that caused the damage. Since there was no accident, you are on the hook for paying for your vehicle's repairs. You may want to consider selling it and salvaging any remaini…
Jan 26, 2020 Wiggins, CO