Colorado Auto Insurance Requirements & Rates
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Colorado operates as a tort state, meaning at-fault drivers are liable for damages they cause. All drivers must carry proof of insurance and provide it upon request during traffic stops or after accidents. The state mandates both liability and uninsured/underinsured motorist coverage at matching limits, a requirement fewer than half of U.S. states enforce. The Colorado Division of Insurance oversees compliance and penalty enforcement.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $121/mo
Average car insurance spending in Colorado
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Insurance RatesFrequently Asked Questions
Is Colorado a no-fault insurance state?
No, Colorado operates under a tort liability system where at-fault drivers are financially responsible for damages they cause. Injured parties can file claims against the at-fault driver's insurance or pursue lawsuits for damages exceeding policy limits, making adequate liability coverage critical.
Can I use my Colorado insurance in other states?
Yes, Colorado auto insurance provides coverage throughout the United States and Canada. Your policy automatically adjusts to meet other states' minimum requirements if they exceed Colorado's limits, ensuring legal compliance during travel through higher-requirement states like Alaska or Maine.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Colorado's tort system means at-fault drivers face direct lawsuits, making higher limits essential for asset protection beyond the 25/50/15 minimum.
Full Coverage
Combines liability, collision, and comprehensive with higher limits and lower deductibles. Includes protection against theft, weather damage, and animal collisions—all elevated risks in Colorado.
Comprehensive Coverage
Pays for non-collision damage including hail, theft, vandalism, fire, and animal strikes. Covers your vehicle regardless of fault, subject to your chosen deductible.
Uninsured Motorist Coverage
Required in Colorado at limits matching your liability coverage. Protects you and your passengers when hit by drivers with no insurance or insufficient coverage to pay your damages.
Collision Coverage
Pays for damage to your vehicle after accidents with other cars or objects, regardless of fault. Required by lenders for financed and leased vehicles.
SR-22 Insurance
A certificate proving you carry state-required coverage, filed by your insurer with the Colorado Division of Insurance. Mandated after DUI convictions, license suspensions, or serious violations.