Car insurance for Colorado, like most states, has a required minimum auto insurance coverage that needs to be met. Before you can register a vehicle in Colorado, you must have proof of liability car insurance coverage for it. The minimum insurance requirements for Colorado are $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $15,000 per accident for property. Although those are the minimum requirements, most insurance providers recommend to have comprehensive and collision car insurance coverage. If you can afford the additional coverage, then it is better to be fully protected than having to come up with the difference in the event of a major accident.

If you are caught driving in Colorado without proof of insurance, the first time you will have to pay a minimum of $550 in fines. You will also have four points added to your motor vehicle record which will make your insurance rate more expensive. If you are caught a second time, you will have to pay a minimum fine of $1000. Your drivers license will also be suspended for four months. If you still havent learned your lesson and receive a third violation, you will have to pay a minimum amount of $1000. Your drivers license will be suspended for eight months and you may be required to serve 40-hours community service or more.

Under the Colorado Motorist Insurance Identification Program or MIIP, Colorado insurance companies are required to provide the state information about the status of their customers policies. However, unlike before where insurance policy owners with lapses or cancelled policies were notified and required to show proof of insurance, under the present program insurance owners are no longer notified and no longer have to face the possibility of losing their registration.

If you are not going to drive your car for an extended period to time, you can file an affidavit requesting you car insurance for Colorado requirement be reprieved.

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