Is Colorado an at-fault or no-fault state?

Colorado is an at-fault state for car insurance claims.

Field report · CO

Car insurance in Colorado

Colorado is an at-fault state with a minimum liability requirement of 25/50/15. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/151

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorColorado Division of Motor Vehicles (DMV), under the Colorado Department of Revenue

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. Colorado was a no-fault state until 2003 and is now pure at-fault; minimums unchanged for 2025-2026.

Not separately mandatory, but insurers must include or offer UM/UIM matching your bodily-injury limits; can be rejected in writing. $5,000 in medical payments coverage is also included by default unless declined.

Estimated cost

$579 a year for minimum coverage, $3,203 for full coverage2

Average annual premiums in Colorado for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Generally required after a DUI, driving uninsured, or certain license suspensions/revocations; typically about 3 years.

Local conditions worth knowing

Colorado's Front Range 'Hail Alley' produces some of the highest hail-damage claims in the country, and the state also has an above-average uninsured-driver rate.

Frequently asked

What is the minimum car insurance requirement in Colorado?: Colorado requires liability limits of at least 25/50/15. $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. Colorado was a no-fault state until 2003 and is now pure at-fault; minimums unchanged for 2025-2026.
Is Colorado an at-fault or no-fault state?: Colorado is an at-fault state for car insurance claims.
Do I need an SR-22 in Colorado?: Generally required after a DUI, driving uninsured, or certain license suspensions/revocations; typically about 3 years.
Is uninsured motorist coverage required in Colorado?: Not separately mandatory, but insurers must include or offer UM/UIM matching your bodily-injury limits; can be rejected in writing. $5,000 in medical payments coverage is also included by default unless declined.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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