Do I have to have car insurance on a vehicle in Colorado that I'm not driving?

No, but the car can't be parked on city streets, and you must fill out a "non-use of vehicle affidavit" when registering the vehicle. You also must show proof of insurance on another vehicle you own.

You can download the form on the Colorado Department of Revenue website or visit a local Division of Motor Vehicles office. On the form you must include the vehicle's make, model, Vehicle Identification Number and license plate number, and promise that you will not operate the vehicle or permit anyone else to operate it for the indicated time frame. You must also name the insurance company, policy number and effective date of the car insurance you hold on another vehicle. The affidavit must be completed annually as long as you own a non-operational vehicle. You'll need to buy insurance for the vehicle, of course, before you or anyone else drives it.

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Colorado, like all other states except New Hampshire, requires drivers to carry liability insurance. Some states also require personal injury protection and uninsured/underinsured motorist coverage.

Colorado mandatory liability coverage requirements are a minimum of $25,000 per person for bodily injury; $50,000 per accident for bodily injury; and $15,000 per accident for property damage. Remember, liability coverage pays for damage and injuries you cause others in traffic accidents; it does not pay for your own medical expenses or car repairs. Under a law that went into effect in 2009, the state also requires insurers to include Med-Pay coverage in car insurance policies. This coverage, which pays for the first $5,000 of medical expenses in a traffic accident, is for you and your passengers. Although car insurance companies must include Med-Pay in the policies they sell in the state, you can opt-out of Med-Pay in writing if you don't want it.

As in all other states, collision and comprehensive insurance are optional in Colorado. Collision coverage covers repairs if your car is damaged in a car accident, and comprehensive pays out if your car is stolen or damaged by something other than a traffic accident, such as a natural disaster, collision with an animal, fire or vandalism.

For more, see minimum levels of car insurance you are required to buy.