State guide
Car Insurance in Colorado
Updated August 2026
Colorado requires 25/50/15 liability coverage — $25,000 of bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage — and it is an at-fault state, having repealed its old no-fault system back in 2003. What makes Colorado unusual is how it handles the coverages beyond that floor: two of them are opt-out, not opt-in.
By law, $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are automatically part of a Colorado policy unless you reject them — UM/UIM in writing. That design matters when you compare quotes, because two prices that look identical may differ on exactly these coverages.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $15,000 |
| PIP / medical | Not required — but $5,000 medical payments (Med Pay) coverage is included in every policy unless you reject it |
| Additional requirements | Uninsured/underinsured motorist (UM/UIM) coverage must be offered and is included unless rejected in writing |
| No-fault state | No |
| SR-22 used | Yes |
Source: C.R.S. §10-4-620; Colorado Division of Insurance
Average annual expenditure for auto insurance in Colorado was $1,276 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
Colorado's opt-out coverages: Med Pay and UM/UIM
Per the Colorado Division of Insurance, medical payments coverage of $5,000 will be included in your policy unless you reject it, and uninsured/underinsured motorist coverage is likewise included unless rejected in writing. Med Pay covers reasonable health-care expenses for you and your passengers regardless of who caused the crash; UM/UIM steps in when the at-fault driver carries no insurance or not enough of it.
Because rejection has to be affirmative, the practical question for Colorado drivers isn't whether these coverages exist on a quote — it's at what limits, and at what price. Comparing several carriers side by side is the only way to see how differently they charge for the same UM/UIM limits.
Hail and the case for comprehensive coverage
Colorado's Front Range sits in one of the most hail-prone corridors in the country, and hail is a major driver of comprehensive (other-than-collision) claims here. Comprehensive coverage is not required by state law — though a lender or lessor will almost always require it — and deductible choices move the premium meaningfully.
The state's minimum property damage limit, $15,000, only covers damage you cause to others. It does nothing for your own vehicle, which is why many Colorado drivers compare full-coverage quotes rather than liability-only ones.
SR-22 filings in Colorado
Colorado uses SR-22 filings. The Colorado DMV may require an SR-22 to reinstate driving privileges after certain suspensions and revocations, maintained for nine months to three years depending on the case. Your insurer files the form with the state, and if the policy lapses while the SR-22 is still required, the license is suspended again — so drivers in this situation have a strong reason to compare carriers that handle SR-22 business routinely.
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Frequently asked questions
What car insurance is required in Colorado?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage (25/50/15), per C.R.S. §10-4-620 and the Colorado Division of Insurance. In addition, $5,000 Med Pay and UM/UIM coverage are included in every policy unless you reject them.
Is Colorado a no-fault state?+
No. Colorado repealed its no-fault system in 2003 and is now an at-fault (tort) state: the driver who causes an accident is responsible for the resulting damage through their liability coverage.
Do I have to buy uninsured motorist coverage in Colorado?+
It isn't mandatory, but Colorado law requires insurers to include UM/UIM coverage in your policy unless you reject it in writing. If your policy doesn't show a written rejection, you have it.
Does Colorado require SR-22s?+
Yes — the Colorado DMV requires an SR-22 to reinstate from specific suspensions and revocations, typically maintained for nine months to three years. Your insurance company files it for you.
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