Colorado Minimum Auto Insurance — Rates & Requirements
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 the at-fault driver's insurance pays for damages — but only up to their policy limits. You must carry proof of insurance at all times and present it during traffic stops or after accidents; failure results in 4 DMV points, potential license suspension, and SR-22 filing requirements. The Colorado Division of Insurance mandates electronic verification through the Colorado Auto Insurance Database, where insurers report all active policies.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
$62–$97/mo
Typical monthly rate in Colorado, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others — legally required at 25/50/25 minimums, but these limits leave you personally liable for costs beyond $25,000 per person or per accident. Raising limits to 50/100/50 typically adds just $12–$22/month and cuts your lawsuit exposure in half.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Colorado requires insurers to offer this at the same limits as your liability; you must sign a rejection form to decline it.
Full Coverage
Combines liability, collision, and comprehensive to repair your vehicle after accidents, theft, vandalism, hail, or animal strikes. Only financially rational when your vehicle is worth more than 10× the annual cost difference between minimum and full policies.
Collision Coverage
Repairs or replaces your vehicle after accidents regardless of fault, subject to your deductible. Drop this when your vehicle's value falls below $4,000–$5,000 — paying $600–$900/year to protect a $3,000 car makes no financial sense.
Comprehensive Coverage
Covers theft, vandalism, hail, flood, fire, and animal strikes — damage that occurs when your vehicle isn't being driven. Choose a $500–$1,000 deductible to keep premiums low; anything less raises costs without meaningful benefit.
SR-22 Insurance
Not a coverage type but a state filing proving you carry continuous insurance after DUI, reckless driving, or multiple violations. Colorado requires SR-22 for 2–3 years; lapses trigger automatic license suspension.