Colorado · Points suspend a license. They do not change the policy limit.
A conviction can fine you, add points, and reprice the policy. Those are three different systems.
You start at zero points. When a conviction is reported, Colorado adds points from the statutory schedule. The window uses the date of the violation, not the date of the conviction. Enough points in that window and a suspension is entered. The hearing officer does not get to skip the suspension once the points are there. The officer does decide the length, up to one year, and whether a probationary license fits. This is the Department of Revenue’s own summary, not legal advice. Confirm it on the point-suspensions page before you rely on it. The schedule can change.
The insurance company is not the DMV. It prices from the motor-vehicle record and from claims, under its own rules. Points do not raise or lower your liability limit. Colorado’s floor is still $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage. A suspension is a fact on the record. It is not a percent off or a percent on that this page can quote. “Full coverage” still means liability plus collision plus comprehensive, and it still leaves out rental, gap, and uninsured motorist unless they are listed. Uninsured motorist is optional here.
How the floor works: Colorado car insurance laws, liability, full coverage, and the other options. Agencies: Colorado DMV and the Division of Insurance.
