Colorado motorists are required by state law to carry automobile insurance and to keep proof of insurance in the vehicle. The Clerk and Recorder's Office is required to verify proof of insurance prior to registering a motor vehicle.

Proof of insurance must include

• Effective dates of coverage, which must be current
• Vehicle description, including vehicle identification number

Accepted forms of insurance

• An insurance card
• An insurance binder or policy
• The declaration page from the insurance policy
• A letter from your insurance agent on company letterhead verifying insurance coverage
• All accepted forms of insurance must include effective dates and must be current

Additional Information

• The law became effective on July 1, 1999.
• Insurance companies are required to submit vehicle and driver information to the Colorado Motorist Insurance Identification Database which is updated nightly.
• If the database matches, our records will show that a vehicle has insurance.  If the database does not match, we will require valid proof of insurance before registering or renewing the vehicle.