Insurance Requirements for Motor Vehicle Department

Insured driver database

CRS 42-7-604, requires the State of Colorado to contract with a provider to develop and maintain a database of insured vehicles. Any insurance company that writes vehicle liability policies in Colorado is required to report new policyholders and canceled policies at least monthly to the provider.

CRS 42-3-105 (1) (d) (I). This law, effective July 1999, states that the County Clerk and Recorder Office shall not register a motor vehicle unless the applicant has a complying motor vehicle insurance policy pursuant to part 6 of article 4 of title 10, CRS or a certificate of self-insurance in full force.

Concept photograph for Car Insurance with two toy cars facing each other and one is upside down

Registration renewal

You must provide proof of insurance if:

Indicated on your renewal postcard, or
To renew your registration you must provide proof of Colorado insurance.

Proof of insurance

Mesa County Motor Vehicle must verify insurance with one of the following items to register a vehicle:

Current insurance card for the vehicle
Insurance policy, declaration or binder
Letter from the insurance provider on company letterhead
Proof of self-insurance for the vehicle or owner

Proof of insurance must include the following

Year
Make
Vehicle Identification Number (VIN)
Effective and expiration dates