• Skip to main content
  • Skip to after header navigation
  • Skip to site footer
Brukhouse Insurance

Brukhouse Insurance

From home insurance to auto insurance, business insurance, and more. We cover all your insurance needs

  • opens in a new windowFacebook
  • opens in a new windowGoogle
  • opens in a new windowYouTube
  • opens in a new windowTwitter
  • opens in a new windowLinkedIn
  • opens in a new windowYelp
Home/Auto Quote
Service My Policies
Life Insurance Calculator
  • About The Agency
  • Our Services
    • Home Insurance
      • Home Insurance Coverages and Terms
    • Auto Insurance
      • Personal Auto Insurance Coverages and Terms
    • Business Insurance
      • Commercial Insurance Coverages and Terms
      • Quote with NEXT Insurance
      • Insurance Questions & Quotes
      • Bonds
    • Life Insurance
    • Pet Insurance with Safeco or HealthyPaws
  • Meet Our Team
  • Location & Contact
  • Blog
  • Testimonials
  • Video Library
  • Request Information

Colorado’s Graduated Driver Licensing (GDL): A Step‑by‑Step Guide for Teens (and Adults Starting Fresh)

February 12, 2026 by Dave Brukiewa

For many families, the day a teen starts the licensing process is both exciting and a little overwhelming. Colorado’s driver‑licensing system is designed to build safe, confident drivers — but with several age‑based rules, forms, tests, and requirements, it can feel like a lot to navigate.

Whether you’re preparing your teenager for the road or you’re an adult getting licensed for the first time, here’s a straightforward Brukhouse breakdown of what you need to know.


🚦 1. Start With Colorado’s Graduated Driver Licensing (GDL) System

Colorado has a structured, three‑stage licensing system built to help new drivers build skills over time:

  1. Instruction Permit
  2. Restricted (Minor) License
  3. Full Driver License

This system is especially important for teens, but new adult drivers will complete a similar—but simpler—path.


📘 2. Getting the Instruction Permit (Teens 15–17)

The process depends on age:

Age 15 to 15½

  • Must complete a 30‑hour driver education course before taking the written test.
  • Bring proof of course completion to the DMV.

Age 15½ to 16

  • Can choose between a 30‑hour driver ed course or a 4‑hour driver awareness class.

Age 16–17

  • No training required before testing, but highly recommended.

What You’ll Need to Bring:

  • Proof of identity and age
  • Social Security number
  • Colorado residency documents
  • Parent/guardian to sign an affidavit of responsibility (for minors)

What Happens at the DMV:

  • Vision screening
  • Written knowledge exam
  • Permit fee payment
  • Photo taken

Once the permit is issued, the real learning begins.


🚗 3. Behind‑the‑Wheel Requirements for Teens

Teens must log 50 hours of supervised driving, including 10 hours at night, with a licensed adult over 21. Many families find it helpful to create a logbook, schedule regular practice sessions, and mix highway, night, rural, and bad‑weather driving.

If the teen is under 16½, they also must complete six hours of behind‑the‑wheel instruction with a certified driving school.


🧭 4. Earning the Minor License (Ages 16–18)

Once your teen has held a permit for at least 12 months and met all training requirements, they can take the driving skills test.

Testing Options:

  • At a third‑party driving school
  • At the DMV (slots fill quickly, so book early)

What the Minor License Includes:

  • Passenger restrictions:
    • First 6 months: No passengers under 21 (unless siblings)
    • Next 6 months: Up to one passenger under 21
  • Curfew restrictions:
    • No driving between midnight and 5 a.m. for the first year
  • Seatbelts mandatory for all occupants
  • No phone use, even hands‑free

These rules may feel strict, but they dramatically reduce crash risks for young drivers.


🧑‍💼 5. Licensing for Adults (18+)

If you’re an adult getting licensed for the first time, the steps are simpler:

  1. Study the Colorado Driver Handbook
  2. Take the written permit test
  3. Practice driving with a permit (no minimum hours required, but practice is expected)
  4. Schedule and pass the driving skills test
  5. Visit the DMV with documentation to receive your license

Adults are not bound by GDL restrictions, but many still choose to take a defensive‑driving course for confidence and safety.


📱 6. Safety First: Phone Use and Distractions

For both teens and adults, Colorado enforces strong distracted‑driving laws. Teens are strictly prohibited from any phone use while driving — and even adults can be cited for texting or other device distractions.

As a parent, reinforce these expectations early and often:

  • Phones go in the glovebox, console, or a phone lock app
  • No texting at stoplights
  • Navigation set before the car moves

A no‑exceptions rule is the safest rule.


💡 7. Insurance Tips As You Enter the Licensing Process

Your insurance choices can impact your teen’s safety and your premiums:

  • There are varying views about when to add a teen driver to your insurance. During the permit process, a teen driver is covered by most insurance carriers under what is called “Permissive Use”. Once your teen obtains their license, they will need to be added to your policy.
  • Look for discounts:
    • Good student
    • Driver education
    • Telematics/safe‑driving programs
    • Multi‑vehicle or multi‑policy bundles
  • Choose a safe, moderately powered vehicle with good crash‑test ratings.
  • Set clear household driving rules that align with Colorado’s GDL program.

✔️ Final Thoughts

Colorado’s licensing system may feel complex at first, but it’s built around one goal: helping new drivers become safe, capable, and confident behind the wheel. With the right preparation, consistent practice, and a strong focus on safe habits — especially around phone‑free driving — your teen will be ready to hit the road responsibly.

If you’d like help reviewing your policy, adding a teen driver, or exploring discount options, Brukhouse is here to guide you every step of the way.

Category: Uncategorized

About Dave Brukiewa

David Brukiewa has been an insurance professional since 2005. Starting as a captive agent for a single company, in 2012 he decided to become an independent agent to better serve his clients. Dave lives East of Colorado Springs with his wife and 4 children. He has been a resident of Colorado since 2000.

Previous Post:🚗 Teen Driver Tips & Tricks: A Colorado Agent’s Advice for Parents of New Drivers 

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Let’s work together

Have a specific question on what insurance is best for you? We’d love to help you!

Contact Us

Connect With Us

  • opens in a new windowFacebook
  • opens in a new windowGoogle
  • opens in a new windowYouTube
  • opens in a new windowTwitter
  • opens in a new windowLinkedIn
  • opens in a new windowYelp

Contact Us

1860 Dublin Blvd Suite A
Colorado Springs, CO 80918

719-258-8071

Navigation

  • About The Agency
  • Auto Insurance
  • Blog
  • Bonds
  • Brukhouse Testimonials
  • Business Insurance
  • Commercial Insurance Coverages and Terms
  • Home
  • Home Insurance
  • Home Insurance Coverages and Terms
  • Insurance Insight
  • Insurance Questions & Quotes
  • Life Insurance
  • Meet Our Team
  • Our Location & Contact Details
  • Personal Auto Insurance Coverages and Terms
  • Pet Insurance with Safeco or HealthyPaws
  • Preview
  • Privacy Policy
  • Quote with NEXT Insurance
  • Some of our fine carriers
  • Video Gallery
  • Video Grid Gallery
  • Video Library

Copyright © 2026 · Brukhouse Insurance · All Rights Reserved · Privacy Policy · Site By Socially Exceptional

Return to top