Insurance Requirements

Mandatory Automobile Insurance in Colorado

Automobile owners in Colorado are required to carry liability insurance.  Liability insurance covers bodily injury to another person or property damage to another's vehicle or property when the insured is at fault for an accident.  The following minimum coverages are required by the state, although higher coverages may be purchased:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 
**Note** New residents to the State of Colorado, must have Colorado insurance - or insurance that meets the Colorado Insurance minimums.

CRS 42-3-105 (1)(d)(l). This law, effective July 1999, states that the County Clerk and Recorder's 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.

Acceptable forms of proof of insurance are as follows:
  • The declaration page from the insurance policy.
  • An insurance binder or policy.
  • An insurance card for your vehicle.
  • A faxed copy, our fax number is 303.464.5862
  • Electronic copy via a smart phone
Any of the above mentioned forms of proof of insurance must include:
  • The effective date and expire date of coverage (effective the day you are registering your vehicle)
  • The Vehicle Identification Number (VIN)
  • The make and year of the vehicle