All motor vehicles are required to be insured.
Colorado law requires that if you drive a vehicle on public roads, you must have insurance on that vehicle. Insurance companies are required to be licensed or authorized to sell insurance in Colorado.
*Note* New residents to the state of Colorado, that have insurance coverage from an out of state insurance company may continue to use the out of state insurance until coverage expires. They must then obtain insurance from a company licensed or authorized to sell insurance in Colorado.
CRS 42-7-604, requires the State of Colorado to contract with a provider to develop and maintain a database of insured vehicles. Any insurance company that writes vehicle liability policies in Colorado is required to report new policyholders and cancelled policies at least monthly to the provider.
CRS 42-3-105 (1)(d)(I). This law, effective July 1999, states that the County Clerk and Recorder Office shall not register a motor vehicle unless the applicant has a complying motor vehicle insurance policy pursuant to part 6 of article 4 of title 10, CRS or a certificate of self-insurance in full force.
These two laws were enacted to ensure that Colorado motorists comply with mandatory auto insurance laws. The intent of the law is to reduce the rising number of uninsured drivers and vehicles in Colorado. Accepted forms of proof of insurance required must identify the name(s) of the applicant(s):
Any of the above mentioned forms of proof of insurance must include:
Minimum coverage required for compliance are:
Visit the Colorado Department of Regulatory Agencies webpage for further information regarding automobile insurance requirements, additional coverage, recent news, and other helpful insurance topics.