What changed in Colorado
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inColorado, when, and where to verify it.
Every state we cover, in one feed: what changed across the country · RSS
January 1, 2026
Minimum coverageAuto policies must now pay to replace a child car seat
House Bill 25-1179 added C.R.S. § 10-4-644. An insurer that issues or renews a Colorado auto policy must include the replacement cost of a child restraint system that was in the vehicle during a crash, and must ask claimants whether one was. It applies to policies issued or renewed, and claims filed, on or after January 1, 2026. The governor signed it on April 17, 2025.
Colorado General Assembly — HB25-1179July 1, 2003
Fault systemNo-fault repealed — Colorado went back to an at-fault (tort) system
The Colorado Auto Accident Reparations Act — the no-fault law in force since 1974 — expired on July 1, 2003 under its own sunset clause (C.R.S. § 10-4-726, set by the 2002 legislature). House Bill 03-1188 (ch. 234, 2003 Colo. Sess. Laws, approved May 2, 2003) started the compulsory liability scheme now in part 6 of article 4 of title 10 on the same day, applying to policies written on or after that date. PIP benefits stopped being part of Colorado auto policies; the at-fault driver's liability insurer pays instead, and medical payments coverage of $5,000 is offered in PIP's place. Guides that still describe Colorado as a no-fault state are more than twenty years out of date. A 2024 bill (SB24-133) proposed studying a return to no-fault; it failed.
Colorado Session Laws 2003, ch. 234 (HB 03-1188)
What this list does and does not cover
Recorded here: changes to the rules this site tracks for Colorado — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.
Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Colorado law a driver has to comply with.
A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Colorado pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Colorado figures on its statute index.