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Colorado Minimum Car Insurance (25/50/15)

Use the calculator to see how Colorado's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Colorado requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $15,000 property damage. This page prefills the calculator for Colorado and cites the official source.

Reviewed November 7, 2026

What Colorado requires

Colorado requires $25,000 per person and $50,000 per crash for bodily injury and $15,000 for property damage. Official consumer materials also explain that uninsured/underinsured motorist coverage and $5,000 of medical-payments coverage are included on a complying policy unless the named insured rejects them in writing.

Required medical-payments coverage of $5,000 ($5,000 medical payments coverage is included unless the named insured rejects it in writing.) UM/UIM is included unless the named insured rejects it in writing. UIM is included unless rejected in writing.

A common way to write split limits is 25/50/15. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

Colorado Division of Insurance, Auto Insurance, and Colorado General Assembly overview. Colorado DOI auto-insurance page and Colorado General Assembly 'Mandatory automobile insurance in Colorado' (opened 2026-11-07)

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in Colorado, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in Colorado?

The primary source cited on this page states that Colorado requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $15,000 property damage. In addition, required medical-payments coverage of $5,000 ($5,000 medical payments coverage is included unless the named insured rejects it in writing.); UM/UIM is included unless the named insured rejects it in writing.; UIM is included unless rejected in writing.. Always read the official source because statutes and department guidance can change.

Does Colorado's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. Medical-payments coverage is also required at $5,000. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts Colorado's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in Colorado?

UM/UIM is included unless the named insured rejects it in writing. UIM is included unless rejected in writing.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This Colorado page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.