Colorado Auto Insurance Requirements: What You Need to Know

Colorado's Minimum Liability Limits

Colorado law requires drivers to carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. These limits protect you if you cause an accident where you are at fault.

Uninsured/Underinsured Motorist Coverage

While not mandatory, the state strongly recommends uninsured/underinsured motorist coverage. It protects you if the at‑fault driver lacks sufficient insurance or is uninsured. Coverage limits are typically the same as your liability limits.

Optional Coverage for Full Protection

Drivers often add collision, comprehensive, and medical payments (MedPay) to cover damages to their own vehicle and medical costs. Collision and comprehensive are optional but can save money on future repairs.

How to Verify Compliance

Proof of insurance must be presented when requested by law enforcement. Keep a digital copy of your policy and an insurance card in your vehicle at all times.

Penalties for Non‑Compliance

Failure to maintain the minimum required coverage can result in a suspension of your driver's license, registration, and the imposition of a fine. A court may also order you to obtain coverage and pay a penalty fee.