Call Us
Back to state requirements

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? 

 Yes

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

—or—

25/50/15

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?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident

—or—

50/100/50

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?

  • Uninsured/Underinsured Motorist Bodily Injury
  • Property Damage
  • Uninsured Motorist Property Damage
  • Medical Payment
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Towing and Labor
  • Roadside Assistance

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

There are no age requirements for this coverage.

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?

Monthly and 6-month

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

One month on the monthly product, and 20% with five-pay for the 6-month product.

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

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

What discounts are available from Dairyland in Colorado?

  • Multi-car
  • Homeowner 
  • Prior insurance
  • Paid in full
  • Quarterly (for monthly product only)
  • Advance quote
  • Defensive driver course