Auto insurance is required to register your can and to legally drive in Colorado. If you are caught driving without proof of insurance, the fines are extensive (as shown in Colorado Statute 42-4-1409):
Four points against your driver license.
First offense: minimum $500 fine, and license suspension until you can show proof to the Division of Motor Vehicles that you are insured.
Second offense: minimum $1,000 fine and license suspension for four months.
Third and subsequent offenses: minimum $1,000 fine and license suspension for eight months.
Courts may add up to 40 hours community service to the above penalties.
Four points against your driver license.
First offense: minimum $500 fine, and license suspension until you can show proof to the Division of Motor Vehicles that you are insured.
Second offense: minimum $1,000 fine and license suspension for four months.
Third and subsequent offenses: minimum $1,000 fine and license suspension for eight months.
Courts may add up to 40 hours community service to the above penalties.