Whether you’re driving to your favorite ski resort, a Broncos game or simply to work or school, SafeAuto wants to help you find the cheapest auto insurance in Colorado. While SafeAuto does not currently offer direct coverage in Colorado, we can still help you find the affordable car insurance coverage you need.

Required Coverages

Colorado’s Financial Responsibility law requires you to maintain liability limits of at least

  • $25,000 because of bodily injury to or death of one person in any one accident
  • $50,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit
  • $15,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/15 or 25,000/50,000/15,000

Proof of Financial Responsibility & Penalties

Under Colorado law, you are required to provide documentary proof of financial responsibility prior to operating a motor vehicle. If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, ranging from first offense penalties of a $50 to $500 and five (5) days up to six (6) months in county jail.

Insurance companies are required to notify the Colorado Department of Revenue of each policy issued, and provide updates every six (6) months.

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.


Related Links:
Colorado Division of Motor Vehicles

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.