Colorado Car Insurance Requirements
Numbers refreshed
Every Colorado driver must carry this minimum coverage, which pays for the following.
- For liability coverage, $69 is the average monthly cost.
- The minimum liability limits are 25/50/15.
- It ranks 10th of 51 as the most expensive state (1st = highest).
Colorado's requirements
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $15,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Colorado Division of Insurance, Auto Insurance; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What every number pays for
Colorado requires liability coverage of at least 25/50/15. The $25,000 limit applies to each person hurt, while $50,000 covers everyone hurt in one crash. Another $15,000 covers damage to other people's property.
The costs of medical bills and a newer car often exceed these limits. Claims can exceed those limits and be collected from you. That's why many drivers buy 100/300/100. The average liability policy in Colorado costs $831 a year.
If you drive uninsured
Your license and registration may be lost if you drive uninsured in Colorado. You may have to submit proof of insurance for several years to recover both.
If you have questions, contact the Colorado Division of Motor Vehicles (Department of Revenue).
Learn more about car insurance in Colorado
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