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Colorado Minimum Car Insurance and Penalties for Driving Without It
The short answer
Colorado requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15).
Colorado at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Uninsured and underinsured motorist coverage is included in your policy unless you reject it in writing, and $5,000 in medical payments coverage is included unless you reject it. |
| First offense for driving uninsured | Driving without insurance is a misdemeanor traffic offense. The DMV says your license can be suspended until you get insurance, and you must pay a $95 fee and file an SR-22 for three years. State sources give different fine and jail amounts, so they are not listed here. |
| Repeat offense | A second offense suspends your license, registration and plates for 4 months, and a third or later offense suspends them for 8 months. The $95 fee and three-year SR-22 apply again. |
| Fee to restore after a lapse | $95 reinstatement fee, plus an SR-22 kept for three years. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Colorado?
Colorado requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15).
What happens if you drive without insurance in Colorado?
Driving without insurance is a misdemeanor traffic offense. The DMV says your license can be suspended until you get insurance, and you must pay a $95 fee and file an SR-22 for three years. State sources give different fine and jail amounts, so they are not listed here.