Is Colorado a no-fault state?
No. Colorado is an at-fault state. The driver found at fault, and their liability insurance, pays for the other person's injuries and property damage.
Last checked November 9, 2026 · Official sources (4)
How does Colorado car insurance work?
“This coverage pays bodily injury damages to another person and property damage to another's property that are the result of an accident in which you are found to be at fault.”
Colorado Division of Insurance (DORA)
What is Colorado's minimum car insurance?
| Coverage | What Colorado requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $15,000 |
| Uninsured motorist | UM/UIM coverage is optional, but it is included in your policy unless you reject it in writing. |
Other at-fault states
Questions
How much insurance does Colorado require?
$25,000 per person and $50,000 per crash for injuries, and $15,000 for property damage.
What if you were partly at fault in Colorado?
You can recover only if your fault is less than the other driver's; your money is reduced by your share. If you were 50% or more at fault, you get nothing.
Hurt in a crash in Colorado? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Colorado Division of Insurance (DORA), checked 2026-11-09. “This coverage pays bodily injury damages to another person and property damage to another's property that are the result of an accident in which you are found to be at fault.”
- Colorado Division of Insurance (DORA), checked 2026-11-09. “The minimum limit of liability coverage that is required is $25,000 per person for bodily injury, $50,000 per accident and $15,000 for property damage to another.”
- Colorado Division of Insurance (DORA), checked 2026-11-09. “Uninsured/underinsured motorist (UM/UIM) coverage is optional in Colorado. This coverage pays for the insured's bodily injury losses caused by a hit‑and‑run driver, a driver with no automobile insurance, or a driver of an underinsured vehicle.”
- Colorado Revised Statutes § 13-21-111 (text via Justia), checked 2026-11-09. “if such negligence was not as great as the negligence of the person against whom recovery is sought, but any damages allowed shall be diminished in proportion to the amount of negligence attributable to the person for whose injury, damage, or death recovery is made.”