Minimum Car Insurance Required in Colorado
The minimum car insurance required in Colorado, penalties for driving uninsured, and whether the state minimum is enough coverage.
- Cited from NAIC & the Colorado DOI
- Free — no obligation
- Licensed partners
Updated August 2026
The Colorado state minimum is 25/50/15 ($25k bodily injury per person, $50k per accident, $15k property damage).
These limits exist to cover damage you cause to other people — they do not repair your own car or cover your own injuries. Colorado is an at-fault (tort) state, so the driver who causes a crash is responsible for the resulting damage.
Driving without at least the required coverage in Colorado can mean fines, license/registration suspension, reinstatement fees and SR-22 filing — and if you cause a crash while uninsured you are personally liable for the damage.
Because the minimum is only a floor, many Colorado drivers step up to 100/300/100 and add collision/comprehensive if their car has value. The average Colorado driver pays about $1,453/yr (NAIC, 2023). Verify the current limits directly with the Colorado Department of Insurance before relying on them — laws change. Colorado Dept. of Insurance →
Colorado minimum car insurance FAQ
What is the minimum car insurance required in Colorado?
Colorado requires at least 25/50/15: $25k bodily injury per person, $50k per accident and $15k property damage. Minimums are the legal floor, not necessarily enough coverage.
What happens if I drive without insurance in Colorado?
Penalties can include fines, suspension of your license and registration, reinstatement fees and an SR-22 requirement — plus personal liability for any crash you cause.
Is the state minimum enough coverage in Colorado?
It is the legal minimum, not a recommendation. A single serious accident can exceed these limits, leaving you to pay the difference, so many drivers carry higher liability and add collision/comprehensive.