Colorado car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Colorado?

Yes , Colorado requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/15.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Colorado car insurance laws

Colorado requires that drivers carry at least 25/50/15.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Colorado drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Colorado car insurance requirements

Colorado requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Colorado liability minimums are 25/50/15.

The average cost of a minimum coverage policy is $437. However, Geico has the lowest minimum car insurance rates, averaging $227.

The table below shows the top insurers' average rates for minimum coverage in Colorado.

Company	Average annual premium	Average monthly premium
Geico	$227	$19
Southern Farm Bureau	$228	$19
State Farm	$387	$32
Auto-Owners	$400	$33
Kemper	$400	$33
Progressive	$404	$34
Acuity Insurance	$582	$48
Allstate	$761	$63
Farmers	$824	$69
USAA	$283	$24

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Colorado car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $437. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Colorado.

The cheapest company for minimum coverage in Colorado is Geico at an average rate of $227 annually.

State minimum coverage limit	25/50/15
Average annual premium	$437
Average monthly premium	$36

Read our methodology

Are the Colorado minimum coverage requirements changing in 2025?

Colorado car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Colorado?

Colorado requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Colorado drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Colorado minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/15, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Colorado?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Colorado penalties for driving without car insurance

Since Colorado requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Colorado car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$500-$1,000
Other penalties	License suspension
Jail time	Yes

Read our methodology

Colorado minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Southern Farm Bureau has the best rates for teens with minimum coverage averaging $853. Geico offers the cheapest coverage for adults at $232.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $446, and the average rate for a 40-year-old male is $429, a difference of $17.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Southern Farm Bureau	$1,132	$94
16	Geico	$1,367	$114
16	State Farm	$1,794	$150
16	Auto-Owners	$2,107	$176
16	Progressive	$2,235	$186
16	Kemper	$3,309	$276
16	Allstate	$3,552	$296
16	Farmers	$5,856	$488
16	USAA	$1,773	$148
17	Southern Farm Bureau	$885	$74
17	Geico	$927	$77
17	State Farm	$1,550	$129
17	Auto-Owners	$1,906	$159
17	Progressive	$2,000	$167
17	Kemper	$2,403	$200
17	Allstate	$2,578	$215
17	Farmers	$4,562	$380
17	USAA	$1,211	$101
18	Geico	$736	$61
18	Southern Farm Bureau	$781	$65
18	State Farm	$1,323	$110
18	Progressive	$1,675	$140
18	Auto-Owners	$1,690	$141
18	Allstate	$1,849	$154
18	Kemper	$1,959	$163
18	Farmers	$3,823	$319
18	USAA	$962	$80
19	Geico	$513	$43
19	Southern Farm Bureau	$694	$58
19	Progressive	$1,034	$86
19	State Farm	$1,128	$94
19	Auto-Owners	$1,425	$119
19	Allstate	$1,572	$131
19	Kemper	$1,633	$136
19	Farmers	$2,220	$185
19	USAA	$812	$68
20	Geico	$419	$35
20	Southern Farm Bureau	$609	$51
20	Progressive	$899	$75
20	State Farm	$965	$80
20	Auto-Owners	$1,185	$99
20	Allstate	$1,358	$113
20	Kemper	$1,380	$115
20	Farmers	$1,937	$161
20	USAA	$676	$56
21	Geico	$317	$26
21	Southern Farm Bureau	$562	$47
21	Progressive	$677	$56
21	State Farm	$813	$68
21	Auto-Owners	$961	$80
21	Kemper	$1,105	$92
21	Allstate	$1,114	$93
21	Farmers	$1,124	$94
21	Acuity Insurance	NA	NA
21	USAA	$501	$42
22	Geico	$294	$25
22	Southern Farm Bureau	$520	$43
22	Progressive	$624	$52
22	State Farm	$725	$60
22	Auto-Owners	$841	$70
22	Kemper	$938	$78
22	Allstate	$995	$83
22	Farmers	$1,068	$89
22	Acuity Insurance	NA	NA
22	USAA	$450	$38
23	Geico	$275	$23
23	Southern Farm Bureau	$483	$40
23	Progressive	$573	$48
23	State Farm	$627	$52
23	Auto-Owners	$725	$60
23	Kemper	$797	$66
23	Allstate	$944	$79
23	Acuity Insurance	$947	$79
23	Farmers	$974	$81
23	USAA	$420	$35
24	Geico	$263	$22
24	Southern Farm Bureau	$450	$38
24	Progressive	$527	$44
24	State Farm	$546	$46
24	Auto-Owners	$659	$55
24	Kemper	$739	$62
24	Allstate	$900	$75
24	Acuity Insurance	$909	$76
24	Farmers	$937	$78
24	USAA	$396	$33
25	Geico	$250	$21
25	Southern Farm Bureau	$421	$35
25	Progressive	$445	$37
25	Kemper	$462	$39
25	State Farm	$497	$41
25	Auto-Owners	$578	$48
25	Acuity Insurance	$682	$57
25	Allstate	$861	$72
25	Farmers	$946	$79
25	USAA	$363	$30
30	Geico	$226	$19
30	Southern Farm Bureau	$317	$26
30	State Farm	$384	$32
30	Kemper	$393	$33
30	Progressive	$404	$34
30	Auto-Owners	$420	$35
30	Acuity Insurance	$652	$54
30	Allstate	$776	$65
30	Farmers	$850	$71
30	USAA	$307	$26
35	Geico	$223	$19
35	Southern Farm Bureau	$259	$22
35	Kemper	$372	$31
35	State Farm	$380	$32
35	Progressive	$396	$33
35	Auto-Owners	$409	$34
35	Acuity Insurance	$622	$52
35	Allstate	$769	$64
35	Farmers	$795	$66
35	USAA	$289	$24
40	Geico	$222	$19
40	Southern Farm Bureau	$228	$19
40	State Farm	$387	$32
40	Progressive	$395	$33
40	Kemper	$397	$33
40	Auto-Owners	$400	$33
40	Acuity Insurance	$568	$47
40	Allstate	$761	$63
40	Farmers	$771	$64
40	USAA	$279	$23
45	Southern Farm Bureau	$215	$18
45	Geico	$223	$19
45	Auto-Owners	$386	$32
45	State Farm	$390	$33
45	Progressive	$395	$33
45	Kemper	$407	$34
45	Acuity Insurance	$581	$48
45	Farmers	$742	$62
45	Allstate	$753	$63
45	USAA	$273	$23
50	Southern Farm Bureau	$218	$18
50	Geico	$223	$19
50	Auto-Owners	$371	$31
50	State Farm	$384	$32
50	Kemper	$391	$33
50	Progressive	$391	$33
50	Acuity Insurance	$533	$44
50	Farmers	$721	$60
50	Allstate	$749	$62
50	USAA	$270	$23
55	Geico	$223	$19
55	Southern Farm Bureau	$235	$20
55	Auto-Owners	$374	$31
55	State Farm	$374	$31
55	Kemper	$380	$32
55	Progressive	$392	$33
55	Acuity Insurance	$564	$47
55	Farmers	$679	$57
55	Allstate	$731	$61
55	USAA	$275	$23
60	Geico	$227	$19
60	Southern Farm Bureau	$269	$22
60	State Farm	$364	$30
60	Auto-Owners	$377	$31
60	Kemper	$383	$32
60	Progressive	$392	$33
60	Acuity Insurance	$623	$52
60	Farmers	$702	$59
60	Allstate	$731	$61
60	USAA	$283	$24
65	Geico	$234	$20
65	Southern Farm Bureau	$327	$27
65	State Farm	$364	$30
65	Auto-Owners	$407	$34
65	Progressive	$415	$35
65	Kemper	$443	$37
65	Acuity Insurance	$620	$52
65	Allstate	$733	$61
65	Farmers	$805	$67
65	USAA	$306	$26
70	Geico	$334	$28
70	State Farm	$387	$32
70	Southern Farm Bureau	$419	$35
70	Progressive	$445	$37
70	Kemper	$456	$38
70	Auto-Owners	$475	$40
70	Acuity Insurance	$631	$53
70	Allstate	$781	$65
70	Farmers	$914	$76
70	USAA	$351	$29
75	Geico	$378	$32
75	State Farm	$432	$36
75	Progressive	$528	$44
75	Auto-Owners	$546	$46
75	Southern Farm Bureau	$568	$47
75	Acuity Insurance	$650	$54
75	Kemper	$659	$55
75	Allstate	$867	$72
75	Farmers	$1,041	$87
75	USAA	$405	$34

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Southern Farm Bureau	$1,071	$89
16	Geico	$1,397	$116
16	State Farm	$1,404	$117
16	Auto-Owners	$1,502	$125
16	Progressive	$2,188	$182
16	Kemper	$2,711	$226
16	Allstate	$3,552	$296
16	Farmers	$5,384	$449
16	USAA	$1,631	$136
17	Southern Farm Bureau	$842	$70
17	Geico	$969	$81
17	State Farm	$1,209	$101
17	Auto-Owners	$1,398	$117
17	Progressive	$1,837	$153
17	Kemper	$1,886	$157
17	Allstate	$2,578	$215
17	Farmers	$4,245	$354
17	USAA	$1,112	$93
18	Geico	$721	$60
18	Southern Farm Bureau	$748	$62
18	State Farm	$1,043	$87
18	Progressive	$1,521	$127
18	Auto-Owners	$1,279	$107
18	Allstate	$1,849	$154
18	Kemper	$1,476	$123
18	Farmers	$3,607	$301
18	USAA	$887	$74
19	Geico	$507	$42
19	Southern Farm Bureau	$670	$56
19	Progressive	$943	$79
19	State Farm	$900	$75
19	Auto-Owners	$1,151	$96
19	Allstate	$1,572	$131
19	Kemper	$1,180	$98
19	Farmers	$2,065	$172
19	USAA	$746	$62
20	Geico	$409	$34
20	Southern Farm Bureau	$592	$49
20	Progressive	$832	$69
20	State Farm	$787	$66
20	Auto-Owners	$1,021	$85
20	Allstate	$1,358	$113
20	Kemper	$1,031	$86
20	Farmers	$1,788	$149
20	USAA	$627	$52
21	Geico	$320	$27
21	Southern Farm Bureau	$548	$46
21	Progressive	$683	$57
21	State Farm	$673	$56
21	Auto-Owners	$924	$77
21	Kemper	$852	$71
21	Allstate	$1,114	$93
21	Farmers	$1,010	$84
21	Acuity Insurance	$1,112	$93
21	USAA	$469	$39
22	Geico	$294	$25
22	Southern Farm Bureau	$509	$42
22	Progressive	$647	$54
22	State Farm	$611	$51
22	Auto-Owners	$841	$70
22	Kemper	$745	$62
22	Allstate	$995	$83
22	Farmers	$949	$79
22	Acuity Insurance	$970	$81
22	USAA	$424	$35
23	Geico	$286	$24
23	Southern Farm Bureau	$474	$40
23	Progressive	$584	$49
23	State Farm	$533	$44
23	Auto-Owners	$792	$66
23	Kemper	$651	$54
23	Allstate	$944	$79
23	Acuity Insurance	$822	$69
23	Farmers	$877	$73
23	USAA	$403	$34
24	Geico	$278	$23
24	Southern Farm Bureau	$444	$37
24	Progressive	$544	$45
24	State Farm	$481	$40
24	Auto-Owners	$738	$62
24	Kemper	$661	$55
24	Allstate	$900	$75
24	Acuity Insurance	$784	$65
24	Farmers	$854	$71
24	USAA	$381	$32
25	Geico	$260	$22
25	Southern Farm Bureau	$416	$35
25	Progressive	$470	$39
25	Kemper	$450	$38
25	State Farm	$432	$36
25	Auto-Owners	$658	$55
25	Acuity Insurance	$600	$50
25	Allstate	$861	$72
25	Farmers	$870	$73
25	USAA	$357	$30
30	Geico	$232	$19
30	Southern Farm Bureau	$317	$26
30	State Farm	$384	$32
30	Kemper	$436	$36
30	Progressive	$432	$36
30	Auto-Owners	$420	$35
30	Acuity Insurance	$698	$58
30	Allstate	$776	$65
30	Farmers	$823	$69
30	USAA	$313	$26
35	Geico	$235	$20
35	Southern Farm Bureau	$260	$22
35	Kemper	$409	$34
35	State Farm	$380	$32
35	Progressive	$425	$35
35	Auto-Owners	$409	$34
35	Acuity Insurance	$616	$51
35	Allstate	$769	$64
35	Farmers	$823	$69
35	USAA	$296	$25
40	Geico	$233	$19
40	Southern Farm Bureau	$229	$19
40	State Farm	$387	$32
40	Progressive	$413	$34
40	Kemper	$402	$34
40	Auto-Owners	$400	$33
40	Acuity Insurance	$607	$51
40	Allstate	$761	$63
40	Farmers	$877	$73
40	USAA	$287	$24
45	Southern Farm Bureau	$215	$18
45	Geico	$233	$19
45	Auto-Owners	$386	$32
45	State Farm	$390	$33
45	Progressive	$413	$34
45	Kemper	$405	$34
45	Acuity Insurance	$594	$50
45	Farmers	$805	$67
45	Allstate	$753	$63
45	USAA	$281	$23
50	Southern Farm Bureau	$215	$18
50	Geico	$233	$19
50	Auto-Owners	$371	$31
50	State Farm	$384	$32
50	Kemper	$383	$32
50	Progressive	$397	$33
50	Acuity Insurance	$537	$45
50	Farmers	$735	$61
50	Allstate	$749	$62
50	USAA	$278	$23
55	Geico	$233	$19
55	Southern Farm Bureau	$229	$19
55	Auto-Owners	$374	$31
55	State Farm	$374	$31
55	Kemper	$357	$30
55	Progressive	$388	$32
55	Acuity Insurance	$593	$49
55	Farmers	$673	$56
55	Allstate	$731	$61
55	USAA	$280	$23
60	Geico	$233	$19
60	Southern Farm Bureau	$257	$21
60	State Farm	$364	$30
60	Auto-Owners	$377	$31
60	Kemper	$350	$29
60	Progressive	$391	$33
60	Acuity Insurance	$546	$46
60	Farmers	$648	$54
60	Allstate	$731	$61
60	USAA	$286	$24
65	Geico	$236	$20
65	Southern Farm Bureau	$306	$26
65	State Farm	$364	$30
65	Auto-Owners	$407	$34
65	Progressive	$413	$34
65	Kemper	$424	$35
65	Acuity Insurance	$548	$46
65	Allstate	$733	$61
65	Farmers	$709	$59
65	USAA	$307	$26
70	Geico	$321	$27
70	State Farm	$387	$32
70	Southern Farm Bureau	$383	$32
70	Progressive	$447	$37
70	Kemper	$457	$38
70	Auto-Owners	$475	$40
70	Acuity Insurance	$643	$54
70	Allstate	$781	$65
70	Farmers	$792	$66
70	USAA	$342	$29
75	Geico	$337	$28
75	State Farm	$432	$36
75	Progressive	$495	$41
75	Auto-Owners	$546	$46
75	Southern Farm Bureau	$510	$43
75	Acuity Insurance	$710	$59
75	Kemper	$614	$51
75	Allstate	$867	$72
75	Farmers	$898	$75
75	USAA	$388	$32

Read our methodology

Colorado minimum coverage cost by city

Greeley drivers pay the least for minimum coverage in Colorado at $441. However, Aurora pay the most at $573.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Colorado.

City	Average annual premium	Average monthly premium
Greeley	$441	$37
Fort Collins	$447	$37
Pueblo	$451	$38
Colorado Springs	$510	$43
Arvada	$520	$43
Westminster	$521	$43
Thornton	$527	$44
Lakewood	$532	$44
Denver	$563	$47
Aurora	$573	$48

Read our methodology

Optional car insurance coverage in Colorado

Colorado requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Colorado car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Colorado?

Yes, Colorado requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/15.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Colorado?

If you're caught driving without car insurance in Colorado, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.