Colorado Car Insurance Laws and Regulations
 
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Colorado Auto Insurance

Requirements of Motorists under CO State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Colorado Car Insurance Requirements

Coverage Minimum - 25/50/15

Coverage Explanation - Car insurance coverage in Colorado must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $15,000 for property damage in an accident.

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Important Colorado Auto Insurance Laws!

1. All vehicles registered or operated in AL are required to be covered by a liability insurance policy.

Important to Note:

Prior to July 1, 2003, Colorado insurance was issued as a "no-fault" policy. That meant that property damage was covered by the "at-fault" party; but the personal injury could be claimed whether or not the party was the negligent or "at-fault" party.

However, now Colorado is based on a "tort" system -which is a standard policy based on the premise that the "at-fault" party pays for all damages -personal and property.


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