Facts about Colorado Motorcycle Insurance

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Colorado Motorcycle Insurance Requirements

Colorado Motorcycle Insurance-Maybe you are new to the state or just passing through. Whatever the case may be, there are a few things you should know about being a responsible motorcycle rider in the Centennial State.

The state requires that all registered vehicles including motorcycles must comply with the state’s financial responsibility law. In Colorado, the required amounts of liability insurance are as follows:

  • $25,000―per person for bodily injury
  • $50,000―per accident for bodily injury
  • $15,000―per accident for property damage

While it is mandated by the state to carry liability insurance, it would also be a sage decision to add physical damage coverage as well as uninsured/underinsured motorist and medical payments to your Colorado motorcycle insurance policy.   Visit our blog about motorcycle insurance here to get all the details.

Factors That Affect Motorcycle Insurance Policy Rates in Colorado

The following are some factors can affect motorcycle insurance policy rates in Colorado: age, driving record, type of motorcycle, location, and coverage levels. See the list below for more.

Younger riders with less experience and a history of accidents or traffic violations are likely to pay higher rates.

Bikes with high horsepower or expensive customizations also tend to cost more to insure.

Additionally, living in an area with high rates of theft or accidents can increase premiums.

Finally, higher coverage levels, such as comprehensive and collision, can also affect the cost of motorcycle insurance in Colorado.

Rating Factors for Motorcycle Insurance

  • year make model
  • marital status
  • education level
  • driving history
  • occupation. Credit
  • coverages
  • riding frequency
  • Type of bike (engine size)
  • rider experience
  • gender
  • rider age
  • location

Colorado Motorcycle Insurance Stats

In today’s world of distracted driving, not only should you never get on your bike without a helmet, but you should also always carry insurance coverage that protects you against other drivers.  In 2016 there were 194,129 motorcycles registered in Colorado, a number that has increased steadily since 2012.

Another unfortunate number that has increased since 2012 was the percentage of motorcycle fatalities in Colorado. Colorado Department of Transportation reported that 20.6 percent of roadway fatalities involved motorcycles.  That number was up from 16.7 percent in 2012.  Whether it’s due to other drivers not paying attention to motorcyclists or riders going too fast, there are ways to make the roads safer for everyone.

Colorado Motorcycle Insurance
Colorado Motorcycle Insurance

Follow these pointers for safe riding:

Wear a helmet.
Never ride without a helmet with a face shield or protective eyewear. Using a helmet is the only way to protect against critical head injuries. A motorcyclist not wearing headgear is five times more likely to suffer from a severe head injury.

Wear proper attire. 
Make sure to wear gear and clothing that will protect and minimize the number of injuries caused by an accident or a skid. Protective gear includes wearing leather clothing, boots with nonskid soles, and gloves. You may also consider adding reflective tape to your jacket to make it easier for other drivers to see you.

Observe traffic rules.
Follow the speed limit; remember the faster you go, the harder it is to stop. Know the local traffic laws and rules of the road.

Ride Carefully
Never assume other drivers can see you, as nearly 60 percent of all motorcycle accidents occur when other drivers do not yield the right of way to riders. Keep your headlights on; avoid other driver’s blind spots; use signals well before any change in direction, and keep an eye out for vehicles that are turning.

Keep your riding skills sharpened with education.
Take a formal riding education program, get licensed and take additional riding courses when possible to promote excellent riding techniques.

Stay awake and ride sober.
Never drink and ride; it is illegal, and you could cause harm to yourself or others. Furthermore, fatigue and drowsiness also impair your ability to react, be sure that you are well rested when you hit the road.

Planning To Ride
Prepping your motorcycle for the road is just as important as practicing safe riding. Should something be wrong with your motorcycle, it will be in your best interest to find out before hitting the road. Here are some checks you can perform to ensure that your bike is in good working order:

  • Tires: Look for any cracks or bulges, or other signs of wear in the treads (blowouts are the result of low tire pressure and other anomalies)
  • Under the motorcycle: Check for oil or gas leaks
  • Headlight, taillight, and signals: Make sure that all lights are functioning and test for high and low beams
  • Hydraulic and Coolant fluids: Ideally, levels should be checked weekly

Once you are on the motorcycle, complete the following checks:

  • Clutch and throttle: Check that they are working smoothly
  • Mirrors: Clean and adjust all mirrors to ensure the best viewing
  • Brakes: Test front and rear brakes for firmness and hold the motorcycle still when fully applied
  • Horn: Test the horn

Understanding Liability Insurance Coverage for Motorcycles in Colorado

Liability insurance coverage is mandatory for all motorcycle riders in Colorado.

Liability insurance covers damages and injuries you may cause to others in an accident. It does not cover damages to your own bike or injuries you may suffer in an accident.

Colorado’s minimum liability coverage requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

However, it is recommended that riders purchase higher coverage levels to protect themselves in case of a serious accident.

Colorado Motorcycle Insurance With Full Coverage

Colorado motorcycle insurance coverage can vary depending on the insurance provider and the specific policy you choose. Full coverage typically refers to a combination of different coverage types that provide protection for your motorcycle in various situations. Here are the common coverage options you may find in a full-coverage Colorado Motorcycle Insurance policy:

  1. Collision Coverage: This coverage helps pay for repairs or replacement of your motorcycle if it’s damaged in a collision, regardless of who is at fault.
  2. Comprehensive Coverage: Also known as “other than collision” coverage, it provides protection for damages to your motorcycle caused by non-collision events like theft, vandalism, fire, falling objects, or natural disasters.

It’s important to note that the coverage limits and deductibles can vary depending on your policy. It’s advisable to carefully review the terms and conditions of the policy and discuss them with your insurance provider to ensure you have a clear understanding of your coverage.

To get accurate and specific information about full coverage Colorado motorcycle insurance options and costs, it’s recommended to contact insurance providers directly or use online insurance comparison tools to compare quotes from different companies.

Colorodo CityAverage Monthly Rates
Cañon City$233
Highlands Ranch$213

Comparing Colorado Motorcycle Costs by Company

When searching for motorcycle insurance in Colorado, it’s important to compare rates from different companies to find the best deal.

Some companies that offer cheap motorcycle rates in Colorado include Geico, Progressive, and State Farm.

Motorcycle Insurance Company Average Annual Premium
Progressive Insurance$102.00

However, rates can vary depending on factors such as age, driving record, and type of motorcycle. It’s also important to consider the coverage options and customer service of each company before making a decision.

Get Custom Coverage For the Best Colorado Motorcycle Insurance Premiums

Motorcycle riders in Colorado can lower their insurance premiums by getting custom coverage that fits their needs. For example:

  • If you only ride your bike during the summer months, you may be able to get a lower rate by purchasing seasonal coverage.
  • Riders who take safety courses or have a good driving record may qualify for discounts.
  • Raising your deductible can also lower your premiums, but it’s important to make sure you can afford to pay the deductible in case of an accident.

What to Do After a Motorcycle Accident in Colorado and Who to Call

If you are involved in a motorcycle accident in Colorado, the first thing to do is make sure everyone is safe and call 911 if anyone is injured.

Next, exchange insurance information with the other driver and take pictures of the accident scene and damages.

It’s also important to contact your insurance company as soon as possible to report the accident. If you suffer any personal injury, it’s recommended to contact a personal injury attorney to understand your legal options.

Additionally, you can refer to insurance FAQ articles or search online for more information on what to do after a motorcycle accident in Colorado.

Colorado Motorcycle Insurance – Motorcycle Endorsement

To obtain a motorcycle endorsement, you typically need to follow these general steps, though specifics may vary depending on your location:

  1. Meet Eligibility Requirements: Ensure you meet the minimum age requirements and any other prerequisites set by your state or country. Typically, you must already hold a valid driver’s license.
  2. Study the Motorcycle Handbook: Obtain a copy of the motorcycle handbook provided by your local Department of Motor Vehicles (DMV) or equivalent authority. Study the rules of the road, traffic laws, and specific regulations related to motorcycle operation in your area.
  3. Take a Motorcycle Safety Course (Optional but Recommended): Many jurisdictions offer motorcycle safety courses taught by certified instructors. Taking a course not only improves your riding skills but may also waive the need for certain tests, depending on your location.
  4. Take the Written Knowledge Test: Visit your local DMV office and take the written knowledge test. This test typically covers topics such as traffic laws, road signs, safe riding practices, and motorcycle operation.
  5. Practice Riding: Spend time practicing your motorcycle riding skills in a safe environment, preferably under the guidance of an experienced rider or instructor.
  6. Take the Skills Test: Schedule and take the on-road skills test administered by your local DMV or authorized testing center. During this test, you’ll demonstrate your ability to safely operate a motorcycle in various traffic situations.
  7. Complete Necessary Paperwork: Once you’ve passed both the written knowledge test and the skills test, complete any required paperwork and pay any applicable fees to obtain your motorcycle endorsement.
  8. Receive Your Endorsement: Upon successful completion of the required tests and paperwork, your motorcycle endorsement will be added to your driver’s license, allowing you to legally operate a motorcycle on public roads.

Top 10 Scenic Colorado Motorcycle Rides

In closing now that you are properly geared and have the proper knowledge for Colorado Motorcycle Insurance its time to get out there and try some of these amazing adventures. 

1. Mount Evans Scenic and Historic Byway
Distance: 28 miles (one way)
Route: Idaho Springs to Mount Evans
Travel time: 1 hour

2. Trail Ridge Road Scenic and Historic Byway
Distance: 48 miles (one way)
Route: Estes Park to Grand Lake
Travel time: 2–3 hours

3. Santa Fe Trail Scenic and Historic Byway
Distance: 184 miles (one way)
Route: Trinidad to Lamar
Travel time: 4 hours

4. San Juan Skyway Scenic and Historic Byway
Distance: 236 miles (loop)
Route: Cortez, Telluride, Placerville, Ridgway, Ouray, Silverton, and Durango
Travel time: 6 hours

5. Unaweep/Tabeguache Scenic and Historic Byway
Distance: 133 miles (one way)
Route: Whitewater to Placerville
Travel time: 3 hours

6. Frontier Pathways Scenic and Historic Byway
Distance: 103 miles (one way)
Route: Pueblo to Westcliffe to Colorado City
Travel time: 3.5 hours

7. Pawnee Pioneer Trails Scenic and Historic Byway
Distance: 128 miles (one way)
Route: Sterling to Fort Morgan to Ault
Travel time: 3 hours

8. Top of the Rockies Scenic and Historic Byway
Distance: 75 miles (one way)
Route: Twin Lakes to Minturn and the junction of Hwy. 70 and Hwy. 91
Travel time: 2 hours

9. Independence Pass
Distance: 80 miles (one way)
Route: Highway 82 southeast from Glenwood Springs to Twin Lakes
Travel time: 2 hours

10. Los Caminos Antiguos Scenic and Historic Byway
Distance: 129 miles (one way)
Route: New Mexico border to Alamosa
Travel time: 3 hours
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Colorado Motorcycle Insurance FAQs

Question 1: How much is motorcycle insurance Colorado?

Answer 1: The cost of motorcycle insurance in Colorado varies depending on the type of coverage you choose, the make and model of your motorcycle, your age and driving experience, and other factors. On average, motorcycle insurance in Colorado costs around $500 to $700 per year. However, this is just an estimate and your actual premium may be higher or lower based on your unique circumstances.

Question 2: How does motorcycle insurance in Colorado work?

Answer 2: Motorcycle insurance in Colorado works in much the same way as car insurance. You pay a monthly or annual premium to an insurance company, and in return, they agree to cover certain losses or damages that may occur while you are riding your motorcycle. The types of coverage available include liability, collision, comprehensive, uninsured/underinsured motorist, and more. It’s important to choose the right coverage for your needs and budget to make sure you’re adequately protected.

Question 3: Do you need motorcycle insurance in Colorado?

Answer 3: Yes, motorcycle insurance is required in Colorado, just like car insurance. The minimum amount of liability coverage you must carry is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage. However, it’s a good idea to consider additional coverage to protect yourself and your motorcycle in the event of an accident or other unforeseen circumstances.

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Last Updated on by Marlon Moss

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