It is against the law in Colorado to drive your vehicle without insurance. If you are caught driving without insurance there are severe penalties. It is a class 1 misdemeanor traffic offense.
A first offense for driving without insurance comes with a $500 minimum fine, license suspension until you can show proof to the CO Division of Motor Vehicles that you are insured and 4 points being placed onto your CO motor vehicle record (MVR). A second is a minimum $1000 fine and a license suspension of 4 months. A third violation comes with penalties which can include a minimum fine of $1000, community service, and an 8 month license suspension (per Colorado Statute 42-4-1409 and 1410). Courts may add up to 40 hours community service to the above penalties as well.
In addition, if you have been found guilty of driving without insurance the state of Colorado requires that you file future proof of automobile liability insurance in the form of an SR-22 for three years.
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