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Colorado – A No-Fault State – State Minimum Requirements

Colorado is a no fault state therefore Personal Injury Protection (PIP) is required by state law.

The minimum car insurance requirements for the state of Colorado is as follows:

The state minimum coverage for residents of Colorado is $25,000 for bodily injury liability for a single person, up to a max of $50,000 for multiple passengers concerned in the accident.

Property Damage Liability

The minimum requirement for the state of Colorado is $15,000 which is necessary to cover the damages to the other driver’s vehicle and other property which may have been damaged in an accident.

For the state of Colorado the listed numbers would be 25/50/15. As you can see by the figures above which are listed respectfully.

The big difference between the state of Colorado and other states is the state’s “no-fault” status which requires drivers to carry PIP, or Personal Injury Protection, which is required to help reduce the amount of lawsuits and in return reduce the cost of premiums for drivers. It appears to be working for the Colorado since the amount of court litigation is well below average than compared to the national average. What “no-fault” means is each driver’s insurance company will cover the cost of medical and damage to their “own” vehicle.

Since PIP is required in Colorado if the driver has comprehensive and collision on their policy, and “if” the same driver is in an “at-fault” accident or an act of nature, such as fallen rocks from sides of mountains, then only minimum PIP cover is required.

steamboat colorado

The beautiful scenery of Steamboat Springs, Colorado. Image credit:

Although the state of Colorado is trying to minimize the amount of lawsuits from car accidents there are exceptions where the other driver can take the “at-fault” driver to court even if they have PIP coverage. If the damages to the other person’s automobile surpass a certain quantity or their injuries are serious enough, they can take the at-fault party to court and they can be charged for the damages.

Local Car Insurance Agents in Colorado

Colorado drivers have numerous dangers such as driving in snow, falling rocks, even severe weather, can make the difficulty of driving higher than average at times. If you are shopping for lower car insurance rates then you may want to compare more than three insurance quotes to be sure you are adequately protected. After comparing, using our comparison tool, and you find a couple of quotes it is good to call the agent to be sure you are properly covered.

With our quote comparison tool you are able to make an informed decision about auto insurance in less than ten minutes which saves you time and money. Even if you are stopping by, you may want to compare your current insurance company’s premium to be sure you have the lowest car insurance rate available. 

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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