The penalties for driving without auto insurance in Colorado are severe and should not be taken lightly. Driving without insurance is classified as a misdemeanor, a serious offense. To avoid these consequences, work with your agent at Davidson Insurance Agency in Evergreen, CO, to ensure you have adequate and active auto insurance before getting behind the wheel.
Here’s an overview of the legal consequences, administrative penalties, and additional risks specific to Colorado:
1. Criminal Charge
Under CRS § 42-4-1409, "Driving Without Insurance in Colorado" is a Class 1 misdemeanor, not a minor traffic violation.
2. First Offense (within five years)
- Minimum $500 fine (the court may reduce the fine by up to half if insurance is obtained promptly).
- Four points added to your Colorado driving record.
- License suspension enforced until proof of insurance (e.g., SR-22) is filed.
- Possible 40 hours of community service.
- Jail time (10 days to one year) may be imposed at the court’s discretion.
3. Second Offense (within five years)
- At least $1,000 fine (no reductions).
- License, registration, and plates suspended for four months.
- Four points on your record, 40 hours of community service, and possible jail time of up to one year.
- Must file SR-22 for three years and pay a $95 reinstatement fee.
4. Third & Subsequent Offenses (within five years)
- Minimum $1,000 fine and an 8-month suspension of license/registration.
- Four points, 40 hours of community service, and jail time (10 days to one year).
- SR-22 and a $95 fee are required for reinstatement.
As you can see, the penalties escalate significantly with repeated offenses. Driving without insurance is a risk not worth taking. Obtaining a quote for auto insurance is straightforward, and we can assist you if you require an SR-22. Contact us at Davidson Insurance Agency in Evergreen, CO, to get started today.
