Colorado P&C Law & Coverage Requirements
The state portion of the Colorado property & casualty exam tests the coverage rules that differ from the national fundamentals: Colorado's compulsory auto insurance limits, how injury claims are settled, cancellation and nonrenewal protections, and the dwelling/homeowners products used for Colorado property. These sit on top of the shared national P&C bank.
Compulsory Auto Liability Limits in Colorado
Colorado requires every registered vehicle to carry at least the state minimum liability coverage. Under C.R.S. 10-4-620, the minimums are $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage — commonly written 25/50/15. These are floors, not recommendations; higher limits and optional coverages (uninsured/underinsured motorist, collision, comprehensive) are available. Confirm the current statutory figures with the Colorado Division of Insurance before quoting them.
How Colorado Settles Auto Injury Claims
Colorado is a tort ('at-fault') state. It operated a no-fault system in the past but repealed it in 2003 and returned to a tort/liability system. Knowing whether Colorado is a tort or no-fault state tells the producer which coverage responds first and how an injured party recovers. Uninsured/underinsured motorist coverage protects the insured when the at-fault party has no or too little insurance.
Cancellation, Nonrenewal, and Dwelling/Homeowners Coverage
Colorado protects personal-lines policyholders by regulating when and how an insurer may cancel a policy midterm or decline to renew it, generally requiring advance written notice with a stated reason; the exact number of days is fixed by state law and should be verified with the Colorado Division of Insurance. For property, homeowners (HO) forms require owner-occupancy, while a Dwelling (DP) policy covers rental or non-owner-occupied dwellings — a national distinction the exam applies to Colorado risks.
Keep going: the full Property & Casualty Insurance Producer guide covers every section of the exam. Property & Casualty Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
State-specific details
State exam facts
- State regulator
- Colorado Division of Insurance
- Exam vendor
- Pearson VUE
- Passing score
- 70%
Who regulates property & casualty insurance licensing in Colorado?
The Colorado Division of Insurance (part of the Department of Regulatory Agencies) licenses property & casualty producers and contracts with Pearson VUE to administer the exam. The P&C authority covers personal and commercial property/casualty lines.
Does Colorado require prelicensing education for the P&C exam?
Yes. Colorado requires a state-approved prelicensing course per line of authority, but the property & casualty hours are set separately — confirm the current P&C figure with the Division of Insurance before enrolling.
Does Colorado offer a combined property & casualty exam?
Colorado administers Property and Casualty as separate lines of authority via Pearson VUE, each with a 70% passing standard.
Sources: https://doi.colorado.gov, https://www.pearsonvue.com/us/en/co/insurance.html
Only in the book: 100 practice questions, every answer reasoned out rather than keyed — none of them in the free bank on this site. Practice here stays free.