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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 under a tort-based liability system, meaning at-fault drivers are financially responsible for injuries and damages they cause. Colorado also mandates that insurers offer uninsured/underinsured motorist coverage, though drivers may reject it in writing.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Colorado law allows injured parties to sue for damages beyond your policy limits, putting personal assets at risk.

Property Damage Liability

Pays for damage to other vehicles, structures, and property when you cause an accident. Mountain region accidents involving multiple vehicles or infrastructure damage can quickly exceed this limit.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or inadequate coverage. Insurers must offer UM/UIM at limits matching your liability coverage, but many drivers waive this protection to reduce premiums despite the elevated risk.

Medical Payments Coverage

Covers medical expenses for you and your passengers regardless of fault, up to policy limits. This coverage bridges gaps before health insurance applies and covers deductibles, making it valuable given Colorado's high rate of ski, cycling, and outdoor recreation-related accidents.

Cost Overview

about $121/mo

Average car insurance spending in Colorado

Rate data: NAIC Auto Insurance Database, 2023

What Affects Your Rate

  • DUI rates: Colorado's DUI rate of 5.2 per 1,000 drivers exceeds the national average, increasing risk pools and baseline liability premiums statewide.
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Coverage Types

Full Coverage

Combines liability, collision, comprehensive, and uninsured motorist protection in one package. Covers damage to your vehicle from accidents, theft, vandalism, weather events, and at-fault collisions.

Liability Insurance

The foundation of Colorado's required coverage, paying for injuries and property damage you cause to others. Does not cover your own vehicle or medical expenses.

Comprehensive Coverage

Covers non-collision damage to your vehicle including hail, theft, vandalism, fire, flood, and animal strikes. Pays actual cash value minus your deductible.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Covers single-vehicle crashes, multi-car accidents, and collisions with objects.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost wages, and pain and suffering up to your policy limits.

Find Your City in Colorado

Denver

urban

Colorado Springs

urban

Aurora

suburban

Fort Collins

suburban

Lakewood

suburban

Westminster

suburban

Pueblo

urban

Centennial

suburban