Colorado Minimum Auto Insurance Requirements

What Does 25/50/15 Mean?

This means Colorado will pay up to $25,000 for one person's injuries, $50,000 total for all injuries in an accident, and $15,000 for property damage you cause. You pay anything beyond those limits out of pocket.

Why Minimum Coverage May Not Be Enough

• Average car accident costs $20,000-$50,000+ — minimum limits can be exhausted quickly in a serious collision
• 12% of Colorado drivers are uninsured — if one hits you, minimum coverage won't protect your car
• Medical bills add up fast — an ER visit alone can exceed your per-person limit
• You could be sued for the difference — if damages exceed your policy limits, your assets are at risk

Minimum vs. Full Coverage Cost in Colorado

Full coverage adds comprehensive (theft, weather, animals) and collision (accidents) to protect your own vehicle. If you have a car loan or lease, your lender requires full coverage.

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Colorado Auto Insurance Guides

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
2. Colorado Division of Insurance — official state insurance regulator for Colorado.
3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
4. Colorado DMV — Colorado vehicle registration and licensing requirements.
5. Insurance Information Institute (III) — independent insurance education and research.
6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.