Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Colorado

Insurance Requirements for Car Registration in Colorado

The state of Colorado requires all drivers are required to carry liability automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration. Colorado is a “tort” state, meaning that fault must be established before an insurance company must pay for damages or bodily injury.

The minimum financial responsibility requirements for private individuals under Colorado law is as follows:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum of $15,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $65,000 for both bodily injury and property damage liability.

Types of insurance

While the liability insurance listed above is the only type of auto insurance required in Colorado, the state also recognizes these types of insurance coverage:

  • Collision Insurance, which covers damages to your vehicle caused by a traffic accident.

  • Comprehensive Coverage, which covers damage that your vehicle may sustain due to non-traffic elements like inclement weather or fire.

  • Uninsured Motorist Insurance, which helps cover the costs of an accident in which the other driver was not insured, or was under-insured.

  • Medical Payment Coverage, which helps pay for medical bills that were the result of an accident. “Med Pay” coverage must be offered by an insurance provider, according to state law.

  • Rental Car Coverage, which covers the cost of damages to rental cars in an accident.

*Gap Coverage for Leased Vehicles, which covers the remainder of the lease in the event that the value of the car is less than the lease amount.

Proof of insurance

Any driver who is operating a vehicle registered in Colorado must carry proof of insurance with them. Proof of insurance is also required in order to register a vehicle with the DMV.

Acceptable documents to prove insurance include:

  • The insurance card from your authorized insurance provider

  • A copy of the insurance policy

  • A computer printout, fax, or e-mail from the authorized insurer proving that you have an insurance policy with their company

  • Electronic proof of insurance, such as a picture on your mobile phone of your insurance card

  • An SR-22 document, which is a specific proof of insurance carried by those who have previously had their licenses suspended for reckless driving charges

Violation penalties

If you fail to maintain liability insurance on your vehicle in Colorado, you could face several types of penalties:

  • Four points on your driver’s license

  • A minimum fine of $500

  • For first time offenders, your license will be suspended until you prove you have insurance. For repeat offenders, your license can be suspended for up to eight months.

For more information, contact the Colorado Division of Motor Vehicles of the Department of Revenue through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

Rules of the Road For Iowa Drivers
Driving on the roads requires knowledge of the rules, many of which are based on common sense and courtesy. However, even though you know the rules in...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....
Veteran and Military Driver Laws and Benefits in New Mexico
The state of New Mexico offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch...


Related questions

Q: Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?

If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...

Q: Every 3-4 months, my car won't start. It does turn over though.

If your battery is weak or has bad connections to the battery, then you may have problems starting the vehicle intermittently. This is due to low voltage to the starter which is taking all the power, while the electronic ignition...

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...