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Unlike some other states, Colorado only offers two financial responsibility options:
Liability insurance remains the popular choice with most drivers and with good reason―it's most drivers' only choice.
Although law enforcement officials have access to an insurance database, you still must produce one of the following if asked:
Licenses are renewed every 10 years until age 61, when drivers must begin renewing them every five years. Starting at age 66, there’s another restriction, as drivers can renew by mail only with a doctor’s or optometrist’s certification that they had passed an eye exam within six months.
Driving with no proof of insurance is considered a misdemeanor and comes with the following penalties:
Here are the state's minimum liability insurance requirements: