Colorado

Auto Insurance Minimum Requirements

25/50/15

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$15,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2003-07-01

Uninsured / Underinsured Motorist

Insurers must include UM/UIM at limits matching liability unless rejected in writing.

SR-22 Filings

Required for up to 3 years following certain point suspensions, driving uninsured, or DUI convictions.

Alternatives to Insurance

Certificate of self-insurance for individuals or businesses owning over 25 vehicles.

Official Source

Colorado Department of Revenue Division of Motor Vehicles

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.