Colorado Car Insurance Requirements

Minimum Coverage Requirements

Colorado requires drivers to carry minimum liability insurance of 25/50/15 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage.

Average Car Insurance Costs in Colorado

Drivers in Colorado typically pay approximately $1,740 per year ($145/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Colorado

State Regulations and Key Rules

Colorado is an at-fault state. Uninsured and underinsured motorist coverage must be offered but can be declined in writing. Medical payments (MedPay) coverage is also required to be offered.

What Makes Colorado Unique

Colorado's hailstorms are among the most severe in the nation, frequently causing extensive vehicle damage. Comprehensive coverage is strongly recommended, particularly on the Front Range.

Uninsured Drivers in Colorado

Approximately 16.3% of drivers in Colorado are estimated to be uninsured.

Risk Factors Specific to Colorado

The Denver and Front Range area has some of the highest hail claim rates in the United States. Mountain driving in winter requires adequate collision coverage. Black ice and sudden spring snowstorms present year-round hazards.

What Colorado’s Minimum Actually Covers

Colorado’s minimum is 25/50/15: $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. With new vehicles averaging roughly $50,000, the $15,000 property damage limit would leave about $35,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Colorado

Uninsured motorist coverage isn’t mandatory in Colorado, though insurers generally must offer it and you may have to reject it in writing.

How Colorado Compares: Uninsured Drivers and Price

An estimated 16.3% of Colorado drivers are uninsured — roughly 1 in 6 — a middle-of-the-pack uninsured rate. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,740 a year puts Colorado above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Colorado

Comprehensive coverage is essential in Colorado given hail risk — but you can manage costs by choosing a higher deductible. Denver metro drivers benefit from comparing quotes annually as competition among insurers is strong. Garaging a vehicle rather than parking on the street reduces both theft and hail exposure.

• Colorado's minimum liability requirement of 25/50/15 is the legal floor, not a safe target — since PIP isn't required in Colorado, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 16.3% of Colorado drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Colorado?

25/50/15: $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability.

Is Colorado a no-fault state?

No. Colorado is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Colorado?

An estimated 16.3% of Colorado drivers are uninsured, roughly 1 in 6.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.