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Colorado Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Colorado. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Colorado.

CO Auto Insurance Laws and Regulations:

The Colorado Dept. of Insurance
1560 Broadway, Suite 850
Denver, CO 80202

Minimum Car Insurance Coverage in CO:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$15,000 for damage to property

CO Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


CO Uninsured Penalties:

In Colorado, the penalty for the first time offenders who fail to produce proof of having proper auto insurance is $500 and an attachment of 4 points to your motor vehicle record, which will raise of your auto insurance premiums.

For a second offense, a fine of at least $1,000 will be imposed along with suspending your driving license for a period of four months. A third violation of law will leave you with a compulsory community service of about 40 hours along with an eight months suspension of your vehicle license and a fine of $1,000.

Significant increase in your auto insurance rates.


CO Department of Insurance Contact Information:

1-303-894-7499 or
Toll Free: 1-800-930-3745

CO State Insurance Department Website:





Directory of Colorado Auto Insurance Agents by County

Adams
Alamosa
Arapahoe
Archuleta
Baca
Bent
Boulder
Broomfield
Chaffee
Cheyenne
Clear Creek
Conejos
Crowley
Delta
Denver
Dolores
Douglas
Eagle
Elbert
El Paso
Fremont
Garfield
Grand
Gunnison
Hinsdale
Huerfano
Jackson
Jefferson
Kit Carson
Lake
La Plata
Larimer
Las Animas
Lincoln
Logan
Mesa
Moffat
Montezuma
Montrose
Morgan
Otero
Ouray
Park
Phillips
Pitkin
Prowers
Pueblo
Rio Blanco
Rio Grande
Routt
San Miguel
Sedgwick
Summit
Teller
Washington
Weld
Yuma

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