CO · educational prototype
Colorado minimum auto liability
Commonly cited minimum
25/50/15 (commonly cited—verify with Colorado DOI)
Notation is educational (BI per person / BI per accident / PD). Exact wording and required extras vary—confirm before you buy.
What this means
Colorado uses a fault-based auto system with minimum liability often cited as 25/50/15. Mountain weather, hail, and wildfire smoke drive comp claims in parts of the state—separate from liability minimums but important when you choose deductibles.
Verify the source
Cross-check current requirements with the official regulator: Colorado Division of Insurance (DOI). PolicyPlain does not publish bindable legal advice.
National orientation: NAIC consumer resources and Insurance Information Institute.
Med pay offers
Colorado has required carriers to offer medical payments coverage in many filings—consumers may reject it in writing. Med pay is not a substitute for health insurance but can pay early medical bills after a crash. Confirm the offer, rejection, or selection on each quote.
Hail and comprehensive
Comprehensive coverage (with its own deductible) responds to hail and many non-crash losses; liability minimums do not pay for your vehicle’s hail dents. Pair liability decisions with realistic comp/collision and deductible choices for where you park and drive.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our auto coverage planner to think through limits educationally.
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