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Auto Insurance in Colorado

The State of Colorado currently requires that all drivers be covered under liability auto insurance and that proof of car insurance always be carried within the vehicle at any moment.

Colorado auto insurance regulations are more stringent than those in many other states. If caught driving without proof of insurance, the fine will be a minimum of $500 for a first offense. Additionally, it will get you four points on your motor vehicle record. If you are caught driving without proof of insurance for a second time, you will be fined a minimum of $1,000 along with a four month license suspension. The third violation will carry a $1,000 fine, an eight month license suspension and a potential 40 hours of community service.

Colorado Minimum Liability Coverage

Liability coverage is required by law in the State of Colorado. The minimum liability amounts for the State of Colorado are as follows:

  • $35,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $15,000 total property damage per accident.

Remember that these are only the minimum requirements set by the state. Experts always advise that drivers get more than the state-mandated minimums, particularly if you have assets you need to protect, since these limits have not kept pace with the skyrocketing costs of car repairs and medical care. Also, getting liability coverage alone will not cover you in case of damage to your own car, so most drivers will want to add collision and comprehensive coverage to their policies.

Uninsured/Underinsured Motorist Coverage

Some, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance.

The State of Colorado does not currently require this coverage.

No-Fault Insurance

Colorado is a not no-fault state, so no-fault insurance is not required.

Personal Injury Protection (PIP)

PIP is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damage.

The State of Colorado current does not require drivers to carry PIP insurance.

Colorado SR-22 Requirements

SR-22 is a document that is required to be filed with a state's DMV as proof that the minimum liability coverage for the state is being carried. Not everyone needs an SR-22 filing. SR-22s are typically required for a driver to reinstate their driving privileges after an offense such as a DUI conviction, uninsured auto accident, or driving without proof of insurance.

Colorado currently requires an SR-22 filing to reinstate a driver's license.

Colorado DUI Laws

For the first DUI offense in the State of Colorado, you will face the following maximum penalties:

  • 5 days to 1 year imprisonment
  • $600 to $1000 fine
  • 9-month license suspension
  • 12 license points
  • 48 to 96 hours community service
  • Jail time may be waived in lieu of substance abuse program

Additional Information on Colorado Insurance

For additional information, you can contact the Colorado DORA Department of Insurance at (303) 894-7490 or go to their website at

Read more about the Most Popular Auto Insurance Carriers in CO.