Auto Insurance Minimum Requirements
Colorado requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage — commonly written as 25/50/15. Colorado is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
$500–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Colorado?
Colorado requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. This is written as 25/50/15 coverage.
Is Colorado a no-fault state?
No, Colorado is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Colorado?
Uninsured motorist coverage is not required in Colorado, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Colorado?
Driving without insurance in Colorado can result in fines of $500–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Colorado?
SR-22 filings are used in Colorado for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for up to 3 years following certain point suspensions, driving uninsured, or DUI convictions.
What does 25/50/15 mean in Colorado?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Compare Colorado Auto Insurance Rates — Partner Services
Now that you know Colorado's minimum requirements, make sure you're getting the best rate. Compare quotes from top insurers in minutes.
Sponsored. DataTactic may earn a referral fee from these partners. This does not affect our data or editorial content.
Official Source
Colorado Department of Revenue Division of Motor Vehicles
More Colorado Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Colorado Department of Revenue Division of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.