Colorado Car Insurance Minimum Requirements

Colorado requires at least 25/50/15 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $15,000 for property damage.

Shorthand: 25/50/15
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $15,000
Uninsured / underinsured motorist: Included by default; rejectable in writing
Your policy includes uninsured and underinsured motorist coverage unless you reject it in writing. The limits it must carry are the state minimums of $25,000 per person and $50,000 per accident (C.R.S. § 10-4-609(1)(a)(I), citing § 42-7-103(2)). Your insurer must offer you higher limits up to your own bodily injury liability limits, but is not required to offer more than that (§ 10-4-609(2)).
Personal injury protection (PIP): Not required
Colorado has no personal injury protection. Its no-fault PIP system was repealed effective July 1, 2003. In its place every policy includes $5,000 of medical payments (MedPay) coverage unless you reject it in writing or in the same medium you applied in; if the insurer cannot prove you rejected it, the policy is presumed to include it (C.R.S. § 10-4-635).

Property damage minimum — where Colorado sits

Colorado sets $15,000 — higher than 11 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Colorado compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $15,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 11 states on this site set a lower floor. Whatever the repair or replacement actually costs above $15,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Colorado drivers actually spend. The average premium written per insured vehicle here was $427 in 2023, 23rd highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Colorado will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Colorado?

Included by default; rejectable in writing.

Is PIP required in Colorado?

Not required.

Is full coverage required in Colorado?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Colorado law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Colorado

What changed

January 1, 2026
Auto 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 — HB25-1179

Why the rule looks like this

More on Colorado

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.