Colorado Car Insurance
Colorado drivers must carry at least 25/50/15 liability coverage under C.R.S. § 10-4-6191. Colorado abolished no-fault effective July 1, 2003 and is now a traditional tort state4. UM and UIM must be offered at amounts equal to the policy's BI liability limits under C.R.S. § 10-4-609; a signed rejection is required to decline2. The Colorado DMV runs MIIDB electronic matching against insurer-reported coverage5.
YesWeSure Bottom Line
What the law requires. 25/50/15 liability. This is a floor, not a recommendation1.
What makes Colorado different. No-fault was abolished in 2003. First-party medical bills flow through health insurance or optional MedPay. UM and UIM are the practically important first-party decisions4.
How to make a real decision. Treat 25/50/15 as a floor. For how to think about higher limits, see how to choose coverage limits. For the rating landscape, see how insurers calculate rates.
State requirements at a glance
What Colorado car insurance law requires
Minimum liability limits
25 / 50 / 151
$25,000 bodily injury per person, $50,000 per accident, $15,000 property damage per accident, under C.R.S. § 10-4-619.
Personal Injury Protection (PIP)
Not required (abolished 2003)4
Colorado abolished no-fault effective July 1, 2003 and is now a traditional tort state. MedPay is an optional first-party add-on.
Uninsured / Underinsured Motorist
Must be offered at BI limits; reject in writing2
C.R.S. § 10-4-609 requires insurers to offer UM and UIM at amounts equal to the policy liability limits. Without a signed rejection, UM/UIM defaults to the BI liability limits.
Coverage verification
MIIDB electronic matching5
Colorado DMV MIIDB matches insurer-reported coverage against vehicle registration records. A confirmed lapse can trigger registration suspension.
Rate approval regime
Colorado DOI oversight4
Colorado does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
The 25/50/15 minimum
C.R.S. § 10-4-619 compels every registered Colorado vehicle to carry 25/50/15 liability1. $25,000 BI per person, $50,000 BI per accident, $15,000 PD per accident. Many Colorado drivers carry higher limits.
PIP is not required (no-fault abolished 2003)
Colorado abolished no-fault PIP effective July 1, 2003. MedPay is an optional first-party add-on4.
UM and UIM must-offer at BI limits
C.R.S. § 10-4-609 requires insurers to offer UM and UIM at amounts equal to the policy's BI liability limits. Rejection must be in writing. Without a signed rejection, UM/UIM defaults to the policy BI limits2.
MIIDB verification
The Colorado DMV MIIDB matches insurer-reported coverage against vehicle registration records. A confirmed lapse can trigger registration suspension under C.R.S. § 42-7-10335.
Rating-factor landscape
Colorado does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4. For general treatment, see our how insurers calculate rates guide.
Where the Colorado situation rules live on YesWeSure
This State Guide owns the Colorado pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Colorado SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. MIIDB-driven consequences are treated in our after-a-lapse guide.
- Moving into Colorado. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/15 minimum liability verified against C.R.S. § 10-4-619 and the Colorado Division of Insurance consumer page.
- StrongColorado abolished no-fault effective July 1, 2003 and is now a traditional tort state. Verified against DOI consumer materials.
- StrongUM / UIM must-offer at BI limits with written rejection verified against C.R.S. § 10-4-609. Without a signed rejection, UM/UIM defaults to the policy's BI limits.
- StrongMIIDB electronic verification verified against the Colorado DMV MIIDB consumer page.
- LimitedDeliberately omitted from V1. A Colorado modeled cost anchor; the exact SR-22 duration (deferred to the after-a-DUI guide); carrier-specific CO underwriting; and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Colorado-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Colorado?
25/50/15 liability under C.R.S. § 10-4-6191.
Is PIP required in Colorado?
No. Colorado abolished no-fault in 2003. MedPay is an optional first-party add-on4.
Is UM/UIM required in Colorado?
UM and UIM must be offered at amounts equal to the policy's BI liability limits under C.R.S. § 10-4-609. Written rejection is required to decline2.
Sources & methodology
- C.R.S. § 10-4-619: compulsory motor vehicle liability coverage; 25/50/15 statutory floor. (Colorado General Assembly, TIER 1)
- C.R.S. § 10-4-609: UM and UIM must-offer; rejection in writing required. (Colorado General Assembly, TIER 1)
- C.R.S. § 42-7-103: compulsory insurance; continuous coverage requirement. (Colorado General Assembly, TIER 1)
- Colorado Division of Insurance: Auto Insurance consumer page. (Colorado Division of Insurance, TIER 1)
- Colorado DMV: Motorist Insurance Identification Database (MIIDB). (Colorado Division of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Colorado Revised Statutes, Colorado Division of Insurance, Colorado DMV). Every legal number traces to a Colorado primary source: C.R.S. §§ 10-4-619, 10-4-609, 42-7-103. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .