Colorado was a no fault state from 1974 to 2003. They have since repealed their no-fault law. As a Colorado resident, you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is mandatory in Alabama.
Colorado minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $15,000 for damage you cause to the other party's property. Consider other options such as medical payments, blanket unbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
If you are convicted of DUI in Colorado (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Colorado Automobile Insurance Plan route. It was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must also submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law. Penalties for driving without insurance in Colorado are license suspension and a $500 fine.
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