Colorado (CO) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Colorado Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. In Colorado, UM includes underinsured motorist (UIM) coverage. If elected, UM coverage must be purchased in the minimum amount of bodily injury coverage required. If an insured purchases a greater amount of bodily injury coverage than that required, the insurance company is only required to provide the limits of bodily injury coverage purchased or $100,000 per person and $300,000 per accident, whichever is less.

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