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Car Insurance

C.R.S. 42-4-1409 — a class 1 misdemeanor traffic offense with a $500 minimum fine, and $1,000 for a second in five years

No owner may drive or let others drive a registered vehicle without a complying policy or certificate of self insurance in force, and no one may drive on the public highways without one.

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Who handles this in Colorado: legal aid programs and the state offices, listed in the Colorado directory.

  • A violation is a class 1 misdemeanor traffic offense with a mandatory minimum fine of $500.
  • The court may suspend up to one half of that fine on proof that insurance has been obtained.
  • A second conviction within five years brings a mandatory minimum fine of $1,000 that may not be suspended.
  • C.R.S. 42-4-1409
Sources for this section (1)
  1. C.R.S. 42-4-1409 — Compulsory insurance - penalty - legislative intent

Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Colorado attorney.

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