Insurance
Car Insurance in Colorado
Published September 24, 2026 · Last updated October 1, 2026
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The minimum Colorado requires
Colorado requires liability coverage of 25/50/15:
- $25,000 for injuries to one person
- $50,000 for injuries per crash
- $15,000 for damage to other people's property
That $15,000 for property damage is lower than in most states. A crash with a new pickup or SUV can cost more than that. Anything above your limit can come back to you.
Two coverages you get unless you say no
Medical payments: $5,000
Your policy includes $5,000 in medical payments coverage unless you reject it. It pays medical bills for you and your passengers after a crash, no matter who caused it.
Two details make it more useful than it sounds:
- It pays before your health insurance.
- It can cover your health plan's deductible and coinsurance.
If you have a high-deductible health plan, this $5,000 could cover most of what you'd owe after a crash.
Uninsured and underinsured motorist
Your policy also includes uninsured and underinsured motorist coverage unless you reject it in writing. It pays for your injuries when the at-fault driver has no insurance, not enough insurance, or drives off.
With about one in five Colorado drivers uninsured, this is the coverage most likely to matter after a crash that isn't your fault.
Hail, comprehensive, and your deductible
Comprehensive pays for damage that isn't from a crash. In Colorado, that often means hail. It also covers theft, fire, vandalism, and falling objects.
- Collision must be offered with a $100 or $250 deductible. You can choose higher ones to lower your price.
- If you have a loan or lease, your lender will likely require both collision and comprehensive.
- Uninsured motorist property damage is an option if you don't carry collision. It pays to fix your car when an uninsured driver hits it. The cars must actually touch, and it pays the lower of your car's value or the repair cost.
Why is car insurance so expensive in Colorado?
The Colorado Division of Insurance lists these reasons for rising prices across the state:
- Inflation and repair costs. Newer cars are full of sensors and cameras that cost more to fix.
- Hail, wind, and flood. Weather losses on comprehensive claims push prices up.
- Fraud. Fake claims raise costs for everyone.
- Distracted driving. More crashes mean more claims.
- Uninsured drivers. When they cause crashes, insured drivers and their insurers often pay.
Your own price can also go up if you:
- move
- add a car or driver
- drive more miles or change how you use the car
- get a ticket or have an at-fault crash
- see a change in your credit-based insurance score
The state doesn't set rates. Insurers file their own, and the Division reviews them. The Division also runs a premium comparison tool you can use alongside quotes.
Not a quote or an offer. Your price comes from the insurance company.
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Your rights after a claim
- You pick the repair shop. Your insurer can suggest one, but it can't make you use it.
- Reasonable costs only. Your insurer pays reasonable market costs. It may not pay extra fees, like high storage charges.
- Diminished value isn't set by state law. Colorado has no insurance law on paying for a car's lost value after repairs.
- Stuck on a claim? You can file a complaint with the Division of Insurance. It won't negotiate for you, but it can review how the company handled your claim.
Car insurance in Denver
Denver drivers follow the same state rules. City traffic and Front Range hailstorms can mean higher prices than in rural areas. If you park outside, ask how much a lower comprehensive deductible would cost. For Denver theft data and more, see Denver car insurance.
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Related services
Own a home in Colorado? See Colorado homeowners insurance. Want to know more about hail and theft coverage? See what comprehensive car insurance covers.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
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