Cheap Car Insurance in Colorado 2025
Colorado law mandates that every driver maintain active liability coverage to operate a vehicle on public roads. This guide explains the legal requirements, proof of insurance, and SR-22 rules — all based on official state statutes.
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Why Choose A Plus Insurance
A Plus Insurance is a licensed independent agency authorized to conduct business in Colorado. We are regulated by the Colorado Division of Insurance and maintain all required licenses to assist drivers with legal coverage needs.
Licensed & Regulated
Every agent holds an active license issued by the Colorado Division of Insurance. This ensures all advice complies with state regulations.
Access to Multiple Carriers
We partner with licensed insurance companies approved to sell auto policies in Colorado. This allows comparison of coverage options that meet legal standards.
SR-22 Filing Services
We file SR-22 certificates electronically with the Colorado DMV on behalf of eligible drivers, as required by law.
Customer Support
Licensed representatives are available by phone and online to answer questions about Colorado insurance laws and policy compliance.
Colorado Auto Insurance Law: Required Coverage
Under Colorado Revised Statutes Section 10-4-619, every registered vehicle operated on public roads must have active liability insurance.
Required Liability Types
The state mandates three categories of liability coverage:
- Bodily injury liability for injuries to one person
- Bodily injury liability for total injuries in one accident
- Property damage liability for damage to another’s property
Proof of Insurance
Drivers must carry proof at all times. Colorado accepts:
- Insurance ID card
- Electronic proof on a mobile device
- Policy declaration page
Electronic proof is legally accepted under C.R.S. § 42-4-1409.
Penalties for Non-Compliance
Driving without coverage violates state law. Penalties may include fines, license suspension, vehicle impoundment, and reinstatement requirements.
Colorado Minimum Liability Requirements
The table below summarizes required coverage types and their purpose:
| Coverage Type | Legal Status | Purpose |
|---|---|---|
| Bodily Injury Liability (Per Person) | Required | Covers medical costs for one injured person |
| Bodily Injury Liability (Per Accident) | Required | Covers total injury claims in one incident |
| Property Damage Liability | Required | Covers damage to another’s vehicle or property |
| Uninsured/Underinsured Motorist | Not Required | Protects you from uninsured drivers (must be offered) |
SR-22 Insurance in Colorado
An SR-22 is a certificate filed with the DMV to verify continuous liability coverage for high-risk drivers. It is required after serious violations. Learn more at the official Colorado DMV SR-22 page.
| Violation | SR-22 Required? |
|---|---|
| DUI or DUID | Yes |
| Driving without insurance | Yes |
| Multiple serious violations | Yes |
| At-fault accident without coverage | Yes |
Video: General auto insurance explanation from A Plus Insurance
FAQ: Auto Insurance Laws in Colorado
Is car insurance required in Colorado?
Yes. All drivers must maintain liability coverage per C.R.S. § 10-4-619.
What is the minimum required coverage?
Bodily injury and property damage liability are mandatory.
Is uninsured motorist coverage required?
No. It is optional, but insurers must offer it.
When do I need an SR-22?
After DUI, driving uninsured, or serious violations as ordered by the DMV.
Can I use my phone to show proof of insurance?
Yes. Electronic proof is accepted under Colorado law.
What happens if I drive without insurance?
Penalties include fines, suspension, and possible SR-22 filing.
Last Updated on by Lady Mae Enad