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Each state has its own requirements when it comes to auto insurance, so it is imperative that you know your state’s own laws as there are strict penalties if you do not carry the minimum amount or correct type of insurance. Here is what you need to know about Colorado car insurance requirements to ensure you are on the right side of the road:
- Auto insurance is required in the state of Colorado for any registered vehicle.
- You must have liability insurance or self-service insurance. The latter is only available to individuals who have at least 25 vehicles registered in their name.
- $25,000 is required in Colorado for bodily insurance liability per person.
- $50,000 is required in Colorado for bodily insurance liability per accident.
- $15,000 is required in Colorado for property damage insurance per accident.
- Only land vehicles that are licensed need to have coverage. Private planes, ATVs, snowmobiles, go-karts and boats do not require insurance in the state of Colorado.
- If you are found to not have proof of insurance, which is a misdemeanor, you will receive at least a $500 fine in addition to four points on your driving record and the possibility of having your license suspended on a first offense. On a second offense, you will receive a four-month suspension of your license and at least a $1,000 fine. On the third offense, you will receive at least a $1,000 fine in addition to an eight-month suspended license and community service.