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.
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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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