Penalties for driving without insurance in Colorado
Colorado law mandates car insurance—so if you’re found driving without at least the state minimum auto insurance requirements, you could face the following penalties:
| Points added to your license | | Minimum license suspension | |
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| | | Until you show proof of insurance | |
| | | | |
| | | | |
You may also be required to file an SR-22
to get your driver’s license back after a suspension for driving uninsured. An SR-22 filing will lead to insurance premiums well beyond the state’s average, so it’s always best to get insurance before you drive. FAQs
What is required for Colorado insurance?
Colorado drivers are required to carry 25/50/15 liability car insurance minimums—$25,000 of bodily injury liability per person; $50,000 of bodily injury liability per accident; and $15,000 of property damage liability per accident.
Is it a law to have car insurance in Colorado?
Yes. Colorado’s Motor Vehicle Financial Responsibility Law requires that all drivers in Colorado have a valid insurance policy with minimum liability limits of 25/50/15.
Is Colorado a diminished value state?
Yes. Drivers in Colorado can make diminished value claims
that will help them recover losses to the value of their motor vehicle after a claim. Does insurance follow the car or driver in Colorado?
Colorado insurance follows the car, not the driver. Your vehicle is typically covered by your insurance as long as another driver is listed on your automobile insurance policy or given explicit permission to drive your car.