Penalties and Fines for Driving Without Car Insurance in Colorado

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The state of Colorado does not take driving without car insurance lightly. It is a state law which requires all drivers to buy car insurance for every vehicle on the road. Penalties for driving without proper coverage are meant to deter drivers from doing it. While the penalties can be strict, the risk of getting into an accident without the proper insurance is far worse. Take a look at what you are up against.

Colorado's State Minimum Coverage for Car Insurance

The minimum coverage required by the state of Colorado is 25/50/15. That means that up to $25,000 may be paid out per person for bodily injury, up to $50,000 per accident for bodily injury, and up to $15,000 for property damage. It can be confusing trying to understand the limits of liability if it is new to you.

The coverage is there to protect you in case you hurt someone or cause damage to someone else's property. Car accidents can cause severe and very expensive damage, and the state minimum coverage is often not enough. Limits of 100/300/100 are recommended.

Fines and Penalties for Not Having Car Insurance in Colorado

These penalties are for those people who do not have current car insurance. Most often, if you do not have your proof of insurance in your car, but have active coverage, a police officer can look it up in the insurance database. It is possible to receive a ticket still and be scheduled to appear in court for not having the required proof of insurance stored in the vehicle.

If for some reason your car insurance has not been reported to the Division of Motor Vehicles then you will need to provide proof you had coverage the date you are charged with no proof of insurance. Your driver's license will be suspended until you can provide proof.

  • Four points on your driver's license. If you receive 12 points in 12 months in the state of Colorado, your driver's license will be suspended.
  • Minimum $500 fine the first time you are caught driving without car insurance, and your driver's license will be suspended until you can show proof you purchased the proper coverage.
  • Minimum $1,000 fine the second time you get caught and plan on a four-month driver's license suspension.
  • Minimum $1,000 fine for the third time you are caught and your driver's license will be suspended for eight months.
  • Community service is also frequently added on to the penalties, up to 40 hours worth.

Driving a Friend's Car Doesn't Release You From Responsibility

Anytime you get pulled over by a police officer, you are required to show proof of car insurance, even if it is not your car. Since you are the driver, it is your driver's license which can be suspended. It is best to ask your friend or family member about their car insurance before taking it for a drive.

Sure, it would be nice if your friend would cover the fees since it is their car, but ultimately it is your responsibility. Best advice, do not drive any car without car insurance.

What Happens If You Have a Car Accident Without Insurance

This should go without saying, never run from the scene of an accident. A lot of hit and run accidents are due to the fact people do not have valid car insurance.

If you are caught leaving the scene of an accident, you could be facing jail time. If you are at fault in the accident, you will be held personally liable for the damages. If you are not at fault and do not have car insurance, you may not be compensated for the damage to your vehicle.

Getting into a car accident with no car insurance is definitely not a good situation to be in, however trying to run away without getting caught is certainly putting you at risk for making the situation much worse.

Suspended License Penalty

A suspended license is common if you are caught driving without car insurance. Expect to pay a fee to reinstate your license once your waiting period is over. You will also need to purchase car insurance with an SR 22 filing. The SR 22 filing will make it so that your car insurance notifies the state your policy is active and is usually required for three years. SR 22 filings can be set up easily through your car insurance carrier.

Many people think they are saving money by driving without car insurance. If the state's penalties are not enough to deter uninsured drivers, the risk of an accident should be. Accidents can happen anytime and anywhere. The only way to prepare for one is by purchasing car insurance.