Does Colorado require uninsured motorist coverage?

No, Colorado does not require drivers to purchase uninsured/underinsured motorist (UM/UIM) coverage. However, Colorado law requires all auto insurers to offer UM/UIM coverage equal to your liability limits with every policy. You can only decline this coverage by rejecting it in writing. Given that many Colorado drivers carry only minimum insurance—or no insurance at all—UM/UIM coverage is highly recommended. It's typically affordable and provides critical protection when you're injured by a driver who can't pay for your damages.