Colorado's Rocky Mountains are the highest elevation point in the U.S. But it's the world class skiing and outdoor sports that truly puts the Centennial State on top.
Colorado: cheapest car insurance
Requirement : Yes
Financial responsibility is required in Colorado . Drivers must have a minimum of liability insurance.
Minimum Coverage Car Insurance Requirements:
A minimum liability insurance policy is required:
Other Car Insurance Coverage Options:
Liability coverage is the only requirement for Colorado motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of financial responsibility with your vehicle at all times, you must also have proof of insurance in order to renew your registration.
Valid forms of proof of financial responsibility include:
Getting Pulled Over:
Violations, Fines & Penalties:
You are required to have proof of car insurance in the state of Colorado , if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following penalties:
You may be required to file an SR-22 from your insurance provider if:
Credit Scores & Determining Your Insurance Premium :
All Colorado drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Western Association of Automobile Insurance Plans (WAIP).
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Colorado:
Drivers under the age of 18 years old, or with a learner’s permit are banned from all cellphone use while driving. All drivers are banned from sending text messages while driving. Cell phone and texting violations are considered primary offenses. Offenders can face a $50 fine for the first offense, and a $100 fine for subsequent cellphone violations.