Colorado Car Insurance Requirements & Average Rates (2026)

Colorado requires drivers to carry at least 25/50/15 liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 in property damage — with an average minimum-coverage policy running roughly $547 to $630 a year in 2026. For how Colorado compares to other states, see our car insurance rates by state guide.

Colorado's 2026 minimum coverage requirements

These limits did not change for 2026. Colorado is an at-fault state.

What minimum coverage actually costs in 2026

Estimates for Colorado's minimum-coverage average vary between roughly $547 and $630 a year depending on the data source, with GEICO reported as the cheapest major carrier at around $274 a year — well below the state average. As in most states, full coverage runs considerably higher; see our liability vs. full coverage guide for the typical nationwide gap between the two.

Why Colorado rates run close to average

Colorado's 25/50/15 minimum is a standard at-fault liability structure. Rates vary meaningfully within the state — the Denver metro area and mountain resort corridors (with higher weather-related comprehensive claims from hail and winter conditions) carry higher averages than smaller Eastern Plains cities and towns.

How to lower your Colorado premium

The same nationwide levers apply: raising your deductible, bundling home and auto, and shopping multiple carriers rather than auto-renewing. See our 10 ways to lower your premium guide for the full ranked list, and check pay-per-mile insurance if you drive less than the national average.

Frequently asked questions

What is Colorado's minimum car insurance requirement in 2026?+

25/50/15 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $15,000 in property damage. These limits did not change for 2026.

What is the cheapest car insurance in Colorado?+

GEICO has been reported as the cheapest major carrier for minimum coverage in Colorado, at roughly $274 a year, well below the state's overall minimum-coverage average of about $547 to $630 a year.

Is Colorado an at-fault or no-fault state?+

Colorado is an at-fault state. The driver who causes an accident is financially responsible for the other party's injuries and damage through their liability coverage.

Why does hail and winter weather affect Colorado car insurance rates?+

Colorado's Front Range and mountain corridors see significant hail and winter-weather comprehensive claims, which raises the comprehensive-coverage portion of premiums in those areas compared to regions with less severe weather exposure.