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

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

Field report · CO

Car insurance in Colorado

Colorado is a at-fault state with a minimum liability requirement of25/50/15. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/15

Fault systemAt-fault

Uninsured motoristNot required

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

Illustrative estimate: roughly $550-$750/year for minimum coverage (UNCERTAIN - a clean minimum-only figure wasn't isolated; Colorado's full-coverage averages are among the 5 costliest in the US, around $2,600-$3,200/year, which is context but not a minimum-coverage price).

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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