State guide
Insurance in Colorado
Required coverage, penalties, official contacts and sources for Colorado, reviewed 2026-10.
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Car insurance
What Colorado requires.
Liability minimum 25/50/15. Claims system: fault-based claims.
| Coverage | Requirement in Colorado |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
| Injury protection | Medical payments of $5,000 is included unless you reject it. It is not required |
| Uninsured / underinsured motorist | Optional. Included in your policy unless you reject it in writing |
Required coverage
- Bodily injury liability: at least $25,000 per person and $50,000 per accident
- Property damage liability: at least $15,000 per accident
Other coverage commonly available
- Uninsured/underinsured motorist (included unless rejected in writing)
- Medical payments (a $5,000 offer is included unless rejected)
- Collision (insurers must offer deductibles of $100 or $250)
- Comprehensive
- Uninsured motorist property damage
If you drive without required coverage
Penalties for driving without required liability coverage are set by Colorado law. Confirm current penalties with the Colorado Division of Motor Vehicles.
Notices
What to know in Colorado.
- The Division of Insurance states that uninsured/underinsured motorist coverage is optional in Colorado but is included in your policy unless you reject it in writing. It estimates that 15-20% of drivers are uninsured.
- Medical payments coverage of $5,000 is included in your policy unless you reject it, and it pays before your health insurance.
- A lender will likely require both collision and comprehensive coverage.
- You have the right to choose any repair shop. An insurer can describe preferred providers but cannot require one (C.R.S. 10-4-120).
- The Division does not set auto rates. It reviews rate filings to confirm the insurer can support the requested rates.
- According to the Division, no Colorado insurance law currently addresses diminished value claims.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Colorado resources for hail, wildfire and last-resort coverage
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Division of Insurance publishes homeowners resources, including a FAIR Plan page, hail FAQs and a toolkit for homeowners and HOAs.
Health insurance
Connect for Health Colorado
Connect for Health Colorado (state-based marketplace)
- CMS lists Colorado as a state-based exchange for plan year 2026. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Colorado Division of Insurance (DORA)
- Website: doi.colorado.gov
- Contact page
- Phone: 303-894-7499 (Division of Insurance. Toll free outside the Denver metro area: 800-930-3745)
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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