When a couple shares their lives and assets, the lines between what belongs to whom can become blurred. In Colorado, the law recognizes common law marriage, which essentially means that if two people live together as though they’re married, they may be regarded as legally married even if they don’t have a formal marriage certificate. But what about cosigning a car? Does that mean the parties are in a common law marriage? This article explores this question in detail.

What is Common Law Marriage in Colorado?

In Colorado, common law marriage requires that both partners agree to live together as married, present themselves to others as a married couple, and have a true marital relationship. In other words, they must have a valid agreement to be married, not just cohabitating. Additionally, the couple must be of legal age and not be married to anyone else.

Colorado is one of a handful of states that recognize common law marriage, and the law has been in effect since the 1800s. Under the law, if a couple is in a valid common law marriage in Colorado, they receive the same legal protections and privileges as couples who have married through a ceremony or license.

What is Cosigning a Car?

Cosigning a car means that two people agree to take responsibility for a car loan. The primary borrower will be responsible for making payments, but if they default on their loan, the cosigner will be held equally accountable. The cosigner’s credit will also be impacted by any missed payments or defaults.

Cosigning a car can be a helpful way for someone who may not have a strong credit history to obtain a car loan, as the cosigner’s credit history can be used to strengthen the application. However, it is essential to understand the responsibilities that come with cosigning a loan, as it can impact a person’s credit score and financial status.

Is Cosigning a Car Considered Common Law Marriage in Colorado?

No, cosigning a car does not automatically make the parties involved in a common law marriage in Colorado. Cosigning a car is simply a financial agreement, similar to signing a lease or obtaining a credit card together. It does not constitute a legally recognized relationship.

However, if the two parties are already living together as though they are married and have shared assets and responsibilities beyond cosigning a car, they may be considered in a common law marriage in Colorado. It is important to note that every situation is unique, and common law marriage is determined on a case-by-case basis.

What are the Legal Protections for Common Law Marriage in Colorado?

If two people are in a valid common law marriage in Colorado, they have the same legal protections and responsibilities as couples who have been formally married. This means that if the couple separates, they will need to follow the same legal processes for a divorce, and they will need to divide their assets and debts just as a formally married couple would.

If one partner passes away, the other partner will be entitled to receive the same benefits and protection under the law as a surviving spouse, including the right to inherit assets, social security benefits, and more.


In conclusion, cosigning a car is not considered a common law marriage in Colorado. However, if two people are already in a common law marriage, cosigning a car will not change their legal status. It is essential to understand the obligations and legal protections that come with both cosigning a loan and common law marriage, as they can have far-reaching impacts on a person’s financial and legal status.


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