Whether you're hitting the slopes or heading to the office, make sure you have valid Colorado car insurance when you drive in the Centennial State. Drivers who fail to show proof of insurance can face penalties upwards of $500, points added to their driving record, and in some cases suspended licenses and community service hours.
Whether you're driving through the bustling streets of Denver or exploring scenic routes in Colorado Springs, it's essential to be protected. Drivers are also required to show proof of insurance to the Colorado Bureau of Motor Vehicles to register vehicles. If you need car insurance or want to switch companies, you can get Colorado car insurance quotes online.
In Colorado, drivers are required to have the following car insurance coverage:
| Coverage Type | Colorado Minimum Limit |
|---|---|
| Bodily injury | $25,000 per person, $50,000 per accident |
| Property damage | $15,000 per accident |
| Uninsured motorist | $25,000 per person, $50,000 per accident* |
| Medical payments | $5,000 per accident* |
*Uninsured motorist and medical payments can be rejected by signing an option form.
There are other optional Colorado car insurance coverages that you may carry to better protect yourself and your vehicles. A GEICO insurance specialist can assist you in choosing the best Colorado auto coverage for your needs.
GEICO offers many car insurance discounts to Colorado drivers to help them secure the coverage they need at an affordable price. Some of our discounts include:
Driving without insurance in Colorado can result in severe penalties. For a first offense, uninsured drivers face a minimum fine of $500, up to 4 months of driver's license suspension, 4 points on their driving record, and an SR-22 filing requirement for up to three years. Subsequent offenses incur higher fines, longer suspensions, and continued SR-22 requirements. Additional consequences include vehicle impoundment and increased future insurance premiums. Maintaining the required minimum coverage is essential to avoid these penalties and ensure you are protected in an accident.
Discover how much you can save with GEICO's competitive rates. Get a free quote for Colorado car insurance and find the best coverage options tailored to your needs. Get a quote today!
For Colorado teens who want to get their license on their 16th birthday, they'll need to start driver's education before age 15. Colorado requires teens to have held a learner's permit for at least 12 months before applying for a Colorado driver's license. Colorado law prohibits drivers under 18 years of age from using a mobile phone at all while driving unless it is to contact the police, fire department, or it is an emergency. Drivers 18 and older may not use a mobile phone for text messaging while driving unless it's to contact the police, fire department, or it's an emergency.
If you have recently moved to Colorado, you must apply for a Colorado title and registration for your vehicle within 30 days from establishing Colorado residency. You will need to apply in the County Motor Vehicle Office in the county where you reside.