Colorado car insurance requirements
Every driver in Colorado must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Colorado drivers should know
- Colorado requires at least 25/50/15 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Insurers must offer $5,000 of medical payments coverage, which you can decline in writing, and must offer uninsured motorist coverage.
- Hail is one of the biggest causes of auto claims along the Front Range — comprehensive coverage pays for hail damage to your car.
Home insurance in Colorado
- Wildfire risk is rising across the region, and some insurers price or limit coverage in high-risk areas — comparing several companies helps.
- Hail is a frequent cause of roof claims, often with a separate wind and hail deductible.
Ways to save in Colorado
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.