Car insurance · Colorado
Car insurance requirements in Colorado
Liability minimum 25/50/15. Claims system: fault-based claims.
Verified summaryAll Colorado insurance topics
Requirements
Minimum car insurance requirements in Colorado
| 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 |
What the law requires you to carry
- Bodily injury liability: at least $25,000 per person and $50,000 per accident
- Property damage liability: at least $15,000 per accident
Uninsured drivers
Uninsured motorist coverage in Colorado
Optional. Included in your policy unless you reject it in writing.
- 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.
Optional coverage
Coverage you can add in Colorado
- 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
Penalties
Penalties for driving without insurance in Colorado
Penalties for driving without required liability coverage are set by Colorado law. Confirm current penalties with the Colorado Division of Motor Vehicles.
Good to know
Other things to know in Colorado
- 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.
Contacts
Who to contact in Colorado
- 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.
- Colorado Division of Insurance: Auto Insurancedoi.colorado.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Colorado.
Home insurance resources and the health marketplace for Colorado are on its overview page.