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Colorado Car Insurance

Car Insurance in Colorado: What You Need to Know

Make sure you have current Colorado car insurance before hitting the road in the Centennial State, whether you’re going to the mountains or the office.

In some states, drivers unable to produce proof of insurance face fines of up to $500, points on their driving records, and even licence suspension and community service.

Registration with the Colorado Bureau of Motor Vehicles requires drivers to provide proof of insurance. Online, you can compare Colorado auto insurance quotes and find the best policy at the best price.

Limits for Car Insurance in Colorado

To legally operate a motor vehicle on Colorado roads, policyholders must carry insurance with the following bare minimums:

  • The individual bodily injury limit is $25,000, and the accident limit is $50,000.
  • A maximum of $15,000 in property damage per incident is in effect.
  • Accident medical payments $5,000 per incident; uninsured motorist coverage $25,000 per person, $50,000 per accident

By signing an option form, you can decline coverage for *uninsured motorists and medical payments.

To further safeguard yourself and your automobile, you may purchase additional coverages. In Colorado, an insurance advisor from GEICO can help determine what car insurance is right for you.

How to Get Your Teen Driver’s License in Colorado

Teenagers in Colorado must enrol in a driver’s education programme before turning 15 to be eligible for a 16th birthday license.

Teens in Colorado must have their learner’s permit for an entire year before applying for their full driver’s licence.

Under Colorado law, drivers under 18 are prohibited from using a mobile phone while behind the wheel unless making an emergency call to 911. All drivers over 18 are prohibited from using their mobile devices for texting while behind the wheel.

Getting a licence has different requirements for people of different ages:

  • Complete a 30-hour driver’s education course before applying for a learner’s permit if you begin the process at or before age 15 and 6 months (minimum age 15).
  • After 12 months of permit holding, permit holders who have logged 50 hours of driving time and completed a 6-hour behind-the-wheel training course are eligible to apply for a driver’s licence.
  • Learner’s permits are available to people who begin the process between the ages of 15 and 6 months and 16 after completing either a 30-hour driver’s education course or a 4-hour classroom driver awareness programme.
  • If you have held a permit for at least 12 months, have logged 50 hours of driving time (plus 6 hours of behind-the-wheel training if you are younger than 16 years and six months when you apply for a licence), and then passed a written and driving test, you are eligible to apply for a driver’s licence.
  • You don’t need to have completed a driver’s education programme to apply for a learner’s permit if you start the process at age 16 or 17.
  • Permit holders who have held their status for at least 12 months and have accumulated 50 hours of driving time are eligible to apply for a licence. Six more hours of behind-the-wheel instruction can be taken if desired.
  • The first year after getting a licence, you can’t drive between the hours of midnight and 5 a.m. unless you’re with a teacher, parent, or legal guardian.

Colorado Registration Details

You must apply for a Colorado title and registration for your vehicle within 30 days of establishing Colorado residency if you have recently moved to Colorado. You must use the County Motor Vehicle Office in the county where you live.

The following paperwork is required:

  1. Your current out-of-state registration or your out-of-state title.
  2. If you live in Adams, Arapahoe, Boulder, Denver, Douglas, El Paso, Jefferson, Larimer, Pitkin, or Weld counties, you must show proof of a Colorado vehicle emissions test.
  3. A vehicle identification verification form (DR 2087) was completed by a law enforcement officer, a licenced Colorado motor vehicle dealer, or an emissions testing station licenced in Colorado.
  4. An up-to-date and accurate odometer reading.
  5. Proof of vehicle insurance coverage (insurance card, policy copy, or letter from your insurance company on letterhead paper).
  6. If there is a lien on an out-of-state title, the lienholder’s name and address must be provided if they are not listed on the out-of-state title or registration.

When you get to the county Motor Vehicle office, you’ll have to pay the fees for your vehicle’s title and registration.

If no liens are placed against the vehicle, your title to the car will be sent to you by mail in Colorado. If there is a lien on the property, the title will be sent to the person who holds the lien. Kindly allow between four and six weeks for delivery.

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