Do you have to have insurance on vehicle in Colorado if you don't drive it?

Question

I am looking to get a project car I can work on, and was wondering if I have to have insurance on a vehicle that I don't drive. Also, can I get plates for a vehicle in colorado if I don't have insurance?

Answer 1

Wrong state, again (Connecticut -- what I'm saying is based on CT insurance -- Colorado may have different subtleties). You shouldn't need insurance if it isn't being driven (but will when/if it is). When driven, a car needs liability coverage (damage caused by your vehicle to people and/or property). Optional coverages are comp and collision (comp is stuff other than collision, like theft, vandalism, and acts of G-d -- NOT random breakdown). Sometimes people get a license plate and put comp-only coverage (no liability) on a vehicle (liability MUST be added before that vehicle gets driven -- a competent agent will make you sign a waiver to that effect). If you only have one vehicle on your policy, the discount of having multiple vehicles on the policy may outweigh the comp-only on that vehicle plus the cost of the plate (depending on your insurance carrier).

Answer 2

I'm not sure how it works in Colorado, but in Kansas you can get an off road title so you don't have to insure it while you are working on it. Once you are done and ready to drive it, just get the title changed to an on road title.

Answer 3

if you are not going anywhere in the car and it is going to be garaged, then no you don't need insurance. that means you can't test drive it or anything until you get insurance. and you can't get plates without proof of insurance (at least that is how it is in md but i'm pretty sure it is like that everywhere.)