Colorado requires 25/50/15 liability coverage, $25,000 of bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage, and it is an at-fault state, having repealed its old no-fault system back in 2003. What makes Colorado unusual is how it handles the coverages beyond that floor: two of them are opt-out, not opt-in.
By law, $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are automatically part of a Colorado policy unless you reject them, UM/UIM in writing. That design matters when you compare quotes, because two prices that look identical may differ on exactly these coverages.
The figures below explain the policy structure used in Colorado. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Colorado minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $15,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required, but $5,000 medical payments (Med Pay) coverage is included in every policy unless you reject it
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- Uninsured/underinsured motorist (UM/UIM) coverage must be offered and is included unless rejected in writing
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $15,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required, but $5,000 medical payments (Med Pay) coverage is included in every policy unless you reject it | Medical coverage rules vary by policy |
| Additional state rule | Uninsured/underinsured motorist (UM/UIM) coverage must be offered and is included unless rejected in writing | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
Source: Colorado General Assembly — Revised Statutes, Title 10
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Colorado
State law is only the starting point. These Colorado-specific details show what to confirm before you compare coverage or buy a policy.
Colorado's opt-out coverages: Med Pay and UM/UIM
Per the Colorado Division of Insurance, medical payments coverage of $5,000 will be included in your policy unless you reject it, and uninsured/underinsured motorist coverage is likewise included unless rejected in writing. Med Pay covers reasonable health-care expenses for you and your passengers regardless of who caused the crash; UM/UIM steps in when the at-fault driver carries no insurance or not enough of it.
Because rejection has to be affirmative, the practical question for Colorado drivers isn't whether these coverages exist on a quote, it's at what limits, and at what price. Comparing several carriers side by side is the only way to see how differently they charge for the same UM/UIM limits.
Hail and the case for comprehensive coverage
Colorado's Front Range sits in one of the most hail-prone corridors in the country, and hail is a major driver of comprehensive (other-than-collision) claims here. Comprehensive coverage is not required by state law, though a lender or lessor will almost always require it, and deductible choices move the premium meaningfully.
The state's minimum property damage limit, $15,000, only covers damage you cause to others. It does nothing for your own vehicle, which is why many Colorado drivers compare full-coverage quotes rather than liability-only ones.
SR-22 filings in Colorado
Colorado uses SR-22 filings. The Colorado DMV may require an SR-22 to reinstate driving privileges after certain suspensions and revocations, maintained for nine months to three years depending on the case. Your insurer files the form with the state, and if the policy lapses while the SR-22 is still required, the license is suspended again, so drivers in this situation have a strong reason to compare carriers that handle SR-22 business routinely.
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Start a Colorado quote requestWhat affects car insurance rates in Colorado?
Average annual expenditure for auto insurance in Colorado was $1,276 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement. It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Colorado ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Colorado car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Colorado. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Colorado city
State law applies across Colorado, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Colorado page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is C.R.S. §10-4-620; Colorado Division of Insurance. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Colorado General Assembly — Revised Statutes, Title 10 ↗Official Colorado Revised Statutes collection containing the cited insurance provision, C.R.S. §10-4-620.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Colorado car insurance FAQs
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