Colorado (CO)

Approved Carriers

Notes about state

• Cincinnati

• Safeco

• Travelers

Colorado Car Insurance Requirements

In Colorado, drivers are required to have the following car insurance coverage:

• Bodily injury: $25,000 per person, $50,000 per accident

• Property damage: $15,000 per accident

• Uninsured motorist: $25,000 per person, $50,000 per accident*

• Medical payments: $5,000 per accident*

*Uninsured motorist and medical payments can be rejected by signing an option form.

Penalties for Driving Without Insurance in Colorado

Driving without insurance in Colorado can result in severe penalties. For a first offense, uninsured drivers face a minimum fine of $500, up to 4 months of driver's license suspension, 4 points on their driving record, and an SR-22 filing requirement for up to three years. Subsequent offenses incur higher fines, longer suspensions, and continued SR-22 requirements. Additional consequences include vehicle impoundment and increased future insurance premiums. Maintaining the required minimum coverage is essential to avoid these penalties and ensure you are protected in an accident.