What Is The Fine For Not Having Car Insurance In Colorado? 
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 -LRB- as shown in Colorado Statute 42-4-1409 -RRB- : 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 . 