Minimum car insurance in Colorado.
What Colorado requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Colorado, the minimum liability limits are written 25/50/15 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $15,000 for property damage.
How the system works
Colorado is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required (insurers must offer UM/UIM and med pay).
What the minimum means in practice
Say a crash you cause injures three people. The Colorado minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $15,000.
If you drive without insurance in Colorado
Driving without insurance in Colorado is a class 1 misdemeanor with a fine of at least $500 for a first offense (the court may suspend up to half if insurance is shown) and at least $1,000 for a second offense within five years. Later offenses bring license suspensions of 4 months (second) or 8 months (third and later), and reinstatement requires a $95 fee.
Proof of insurance
Officers may accept proof shown on a phone or other electronic device, and the state's insurance database (MIIDB) compares DMV records with insurer data by VIN but is not a substitute for carrying proof.
SR-22 and similar filings
Reinstatement after a no-insurance suspension requires an SR-22 certificate for three years.
Also worth knowing in Colorado
After a no-insurance citation, a driver has seven days from receiving the Affidavit and Notice of Suspension to provide proof of insurance, obtain SR-22 insurance or request a hearing, or the license is suspended on the 8th day.
Your state regulator
Colorado Division of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Colorado a no-fault state?
Colorado is generally an at-fault state.