Car Insurance Quotes Colorado —Before You Start Driving Here
Whether you’re climbing the slopes or heading to work, make sure you have valid Colorado auto insurance when you drive in Centennial State. Drivers who fail to show proof of insurance can face penalties of more than $500, points added to their driving record, and in some cases suspended licenses and hours of community service. Drivers are also required to show proof of insurance to the Colorado Bureau of Motor Vehicles in order to register the vehicle.
You can get a Colorado auto insurance quote online, if you need auto insurance or want to change companies.
Car Insurance Quotes Colorado Minimum Requirements
Owners of vehicles driving on Colorado roads are required to have at least the following minimums on their insurance policies:
- Body injury: $25,000 per person, $50,000 per accident
- Property damage: $15,000 per accident
- Uninsured drivers: $25,000 per person, $50,000 per accident*
- Medical payments: $5,000 per accident*
*Uninsured drivers and medical payments can be declined by signing the option form.
There are additional optional protections that you can take with you to better protect yourself and your vehicle. A GEICO insurance counselor can assist you in selecting the best Colorado auto coverage for your needs.
Colorado Teen Driver License Process
For Colorado teens looking to get their driver’s license by their 16th birthday, they must start driving education before the age of 15. Colorado requires teens to have a study permit for at least 12 months before applying for a Colorado driver’s license. Colorado law prohibits drivers under the age of 18 from using a cell phone while driving except to call the police, fire department, or in an emergency. Drivers aged 18 years and over must not use a mobile phone to send text messages while driving except to contact the police, fire department or in an emergency.
The process for obtaining a driver’s license varies depending on the age of the driver:
- If you start at or before 15 and 6 months of age, you must complete a 30 hour driver education course before you can apply for a study permit (minimum age 15). Permit holders who have logged 50 hours of driving time, completed a 6-hour training course behind the wheel, and have held their license for at least 12 months can then apply for a driver’s license.
- If you start between the ages of 15 and 6 months to age 16, you can complete a 30 hour driver education course or a 4 hour class driver awareness program to qualify for a student pass. Permit holders who have logged 50 hours of driving time (plus 6 hours of behind the wheel training if you are younger than 16 years and 6 months when you apply for a license) and who have held their license for at least 12 months can then apply for a license driving.
- If you start at the age of 16 or 17, there is no prior driver education requirement before being eligible to apply for a student permit. Permit holders who have logged 50 hours of driving time and who have held their permit for at least 12 months can then apply for a driver’s license. An additional 6 hours of training behind the wheel is optional.
First year licensed driving is prohibited between midnight and 5 am, unless accompanied by an instructor, parent or legal guardian.
Colorado Registration Information
If you recently moved to Colorado, you must apply for a Colorado title and registration for your vehicle within 30 days of the establishment of a Colorado residence. You must register at the Regency Motor Vehicle Office in the area where you live.
The following documents are required:
- Your out-of-state degree, or current out-of-state enrollment.
- You must present evidence of a Colorado vehicle emission test, if you live in Adams, Arapahoe, Boulder, Denver, Douglas, El Paso, Jefferson, Larimer, Pitkin or Weld counties.
- Licensed Colorado motor vehicle dealer, or licensed Colorado emission testing station. Vehicle identification verification form (DR 2087) completed by law enforcement officials.
- Current and accurate odometer reading.
- Proof of vehicle insurance coverage (insurance card, photocopy of insurance policy or letter from your insurance company on company letterhead).
- If a lien is on an out-of-state title, the name and address of the lien holder must be provided if not shown on the out-of-state title or registration.
Once you arrive at the district Motor Vehicle office, you will have to pay an ownership and registration fee.
Your Colorado title will be mailed to you if no liens are filed against the vehicle. If there is a lien, the title will be sent to the lien holder. Please be patient to wait 3 to 6 weeks for delivery.
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