Colorado Auto Insurance for First-Time Drivers
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
Colorado operates under a tort-based liability system, meaning the at-fault driver is responsible for damages after an accident. The state requires all drivers to carry proof of insurance at all times — you must show an insurance card during traffic stops and after accidents, or face fines and license suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Colorado
$398/mo
Typical monthly rate in Colorado, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
midnight-5am (secondary)
Passengers
no passengers first 6 months, then max 1 younger than 21 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Liability insurance is the foundation of any auto policy — it pays for injuries and property damage you cause to others in an at-fault accident. The premium is the amount you pay (usually monthly) to keep the policy active, and the limit is the maximum the insurer will pay per accident.
Full Coverage
Full coverage is an informal term meaning liability plus collision and comprehensive — it covers damage to your own vehicle in addition to damage you cause to others. Most lenders require it if you finance or lease a vehicle.
Comprehensive Coverage
Comprehensive covers damage to your vehicle from non-collision events: theft, vandalism, hail, fire, flood, and animal strikes. You choose a deductible — the amount you pay out of pocket before the insurer pays the rest.
Uninsured Motorist Coverage
Uninsured motorist (UM) and underinsured motorist (UIM) coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. This functions as a safety net when the at-fault driver can't pay.
Collision Coverage
Collision coverage pays to repair or replace your vehicle after a crash with another car or object, regardless of who was at fault. Like comprehensive, you select a deductible that controls how much you pay versus how much the insurer pays.