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Colorado’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. 

The following is a breakdown of minimum liability requirements for Colorado:

Is it mandatory to have car insurance in Colorado? 


What are the minimum limits for Colorado? 

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$15,000 property damage per accident



Dairyland® coverage in Colorado

At Dairyland, we’re proud to be able to help drivers in Colorado meet their insurance needs. Here are some of the parameters of our insurance coverage in Colorado: 

What is the maximum bodily injury liability and property damage limit Dairyland offers in Colorado?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in Colorado? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured/Underinsured Motorist Bodily Injury and Medical Payment must be offered, but they can be rejected. 

What are all the coverages Dairyland offers in Colorado?

  • Bodily injury 
  • Uninsured/underinsured motorist bodily injury
  • Property damage
  • Uninsured motorist property damage
  • Medical payments
  • Comprehensive
  • Collision
  • Lienholder deductible
  • Special customized equipment
  • Rental reimbursement / transportation expenses
  • Emergency roadside assistance
  • Car loan protection

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Colorado?

The age limit is 20 years-old for a vehicle in Colorado. 

How far back does Colorado go to look at violation history?

3 years

What additional policy types are offered in Colorado? 

Broad Form Named Driver

Is an insurance score used in my rating in Colorado? If so, is it mandatory? 

Yes, but opt-out is available.

What policy terms does Dairyland offer in Colorado?

6-month and 12-month

What is Dairyland’s minimum down payment option in Colorado? 

16.66% for a 6-month term and 8.33% for the annual term

Are SR22s used in Colorado? If so, is there a fee assessed by Dairyland? Is it filed electronically? 

SR-22s are available (including Broad Form Named Driver). No fee is assessed, and the SR22 is filed electronically. 

What discounts are available from Dairyland in Colorado?

  • Multi-car
  • Homeowners 
  • Prior insurance
  • Paid in full
  • Quarterly
  • Advanced quote
  • Defensive driver course
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