Is 25/50/15 enough car insurance in Colorado?

For most people, no. Colorado's minimum liability limits were set a long time ago and haven't kept pace with what hospitals charge or what vehicles cost. If you cause an accident and the bills run past your limits, the rest comes from you personally.

Here is what the numbers mean. The 25 is $25,000 for one person's injuries. The 50 is $50,000 total for everyone injured in the other vehicle. The 15 is $15,000 for their property, which usually means their car.

Now hold those against reality. One night in an emergency room can run past $25,000 on its own. A lot of the trucks and SUVs on Colorado roads cost well more than $15,000 to replace, and if you total one, the difference between the damage and your property limit is yours to cover. Injure two or three people seriously and $50,000 disappears fast.

Most drivers carrying state minimums never actually decided to. The minimums were the default when they bought a policy online in a hurry, and every renewal since has quietly carried them forward. That is worth knowing, because raising liability limits is often one of the smaller line items on a policy relative to how much exposure it removes.

The honest way to answer this question for yourself is to look at what you own and what you earn, since that is what a judgment can reach. Then read your declarations page and see what you are actually carrying. If you want to see what else an auto policy does and doesn't do, we cover that on our auto insurance page.