Colorado Car Insurance

Car Insurance in Colorado

In the state of Colorado you can satisfy the states requirements of financial responsibility one way by securing an auto insurance policy through a state licensed insurance company. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Colorado online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Colorado requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$25,000―per person for bodily injury
$50,000―per accident for bodily injury
$15,000―per accident for property damage

Accepted proof of insurance:

Insurance card
Copy of your insurance policy
A letter from your insurance company (on company letterhead)
Computer printout from insurer.
Facsimile of the proof of insurance.
Electronic proof of insurance that is not otherwise available to the Department. This may be, but is not limited to, insurer provided electronic image/proof on applicant’s cellular phone, lap top, or other portable type of electronic device.
If web based services are available, the Department may use applicant’s insurer provided web based services for proof of insurance.
Electronic mail sent from the applicant’s insurer.

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For more information about insurance in the state of Colorado you can contact the Colorado Department of Revenue DMV at (303) 205-5613 or visit the Colorado Department of Revenue DMV web site.

The state of Colorado takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

Driving with no proof of insurance is considered a misdemeanor and comes with the following penalties:
First offense―A minimum fine of $500, four points added to your driving record, and possible suspension.
Second offense―A minimum fine of $1,000 and a four-month suspension.
Third offense―A minimum fine of $1,000, community service, and an eight-month suspension.

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For more information about insurance in the state of Colorado you can contact the Colorado Department of Revenue DMV at (303) 205-5613 or visit the Colorado Department of Revenue DMV web site.