Colorado Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Colorado is $25,000 for injury, $50,000 for all injury, and $15,000 in property damage. Commonly referred to as 25/50/15 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
Failure to show proof of insurance in the state of Colorado adds 4 points to your license.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, without any further incidents, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.

Below is a list of violations and their corresponding point values:


  • 5-9 mph over – 1 point
  • 10-19 mph over – 4 points
  • 20-39 mph over – 6 points
  • 40+ mph over – 12 points

Additional Violations/Infractions

  • Failure to yield – 4 points
  • Racing/ exhibition of speed – 12 points
  • DUI/DWI – 8-12 points
  • Leaving the scene of accident – 12 points
  • Evading Police Officer – 12 points
  • Reckless Driving – 8 points
  • Careless Driving – 4 points
  • Failure to show proof of insurance – 4 points
  • Improper passing – 4 points
  • Failure to stop for school bus – 6 points
  • Driving on wrong side of road – 4 points
  • Failure to observe traffic sign/signal – 4 points
  • Improper turn – 3 points
  • Driving through safety zone – 3 points
  • Driving in wrong lane/wrong way on one ways street – 3 points
  • Failure to signal improper signal – 2 points
  • Failure to yield to emergency vehicle – 4 points
  • Improper Backing – 2 points
  • Failure to dim/turn on lights – 2 points
  • Operating an unsafe vehicle – 2 points
Colorado suspension of license based on point gains are determined by the age of the driver and are as follows:

Minor (16-17): 6 points in 12 months
Minor (18-20): 9 points in 12 months, 12 points in 24 months
Adult Driver: 12 points in 12 months, 18 points in 24 months

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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