MOTORCYCLE – COLORADO
Affordable Ft. Collins Motorcycle Insurance
Ft. Collins Motorcycle Insurance Requirements
For motorcycle insurance in Fort Collins, Colorado, the requirements generally align with the state’s broader insurance mandates for motor vehicles. Colorado mandates that all motorcyclists carry a minimum level of liability insurance to legally operate their motorcycles on public roads. As of my last update in April 2023, the minimum liability insurance requirements in Colorado are:
- Bodily Injury Liability: This coverage pays for injuries that you, as the motorcycle operator, cause to someone else in an accident. The minimum limits are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- Property Damage Liability: This coverage pays for damage you cause to someone else’s property (such as their vehicle) in an accident. The minimum limit is:
- $15,000 per accident
These are just the minimum requirements, and many riders choose to carry additional coverage for better protection. Additional coverage options can include:
- Collision: Covers damage to your motorcycle from a collision with another vehicle or object, regardless of fault.
- Comprehensive: Covers non-collision-related damage to your motorcycle, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist: Protects you in case you’re involved in an accident with a driver who either lacks sufficient insurance or has no insurance at all.
- Medical Payments or Personal Injury Protection (PIP): Helps with medical expenses for you and your passengers, regardless of who is at fault in an accident.
| State | State Min | PIP? |
| Colorado | 25/50/15 | N/A |
Ft. Collins Motorcycle Insurance Rates By City
With this State minimum figured out for us, what will be the average cost of Motorcycle Insurance in Ft. Collins?
| City | Price |
| Loveland | $130.00 |
| Edwards | $109.00 |
| Rifle | $102.00 |
| Delta | $117.00 |
| Pueblo | $127.00 |
| Columbine | $132.00 |
| Greeley | $98.00 |
| Fountain | $109.00 |
| Craig | $126.00 |
| Grand Junction | $123.00 |
| Longmont | $135.00 |
| Aurora | $96.00 |
| Redlands | $129.00 |
| Cherry Creek | $121.00 |
| Fort Collins | $98.00 |
| Westminster | $128.00 |
| Johnstown | $130.00 |
| Fort Morgan | $101.00 |
| Denver | $105.00 |
| Gunbarrel | $127.00 |
| Federal Heights | $110.00 |
| Woodmoor | $97.00 |
| Thornton | $117.00 |
| Cañon City | $126.00 |
| Cimarron Hills | $97.00 |
| Arvada | $108.00 |
| Wellington | $117.00 |
| Lakewood | $115.00 |
| Greenwood Village | $124.00 |
| Berkley | $108.00 |
| Centennial | $107.00 |
| Black Forest | $118.00 |
| Englewood | $127.00 |
| Lafayette | $104.00 |
| Pueblo West | $102.00 |
| Evergreen | $118.00 |
| Boulder | $115.00 |
| Erie | $103.00 |
| The Pinery | $112.00 |
| Glenwood Springs | $123.00 |
| Fort Carson | $133.00 |
| Alamosa | $108.00 |
| Wheat Ridge | $112.00 |
| Littleton | $117.00 |
| Ken Caryl | $122.00 |
| Security-Widefield | $134.00 |
| Welby | $122.00 |
| Brighton | $102.00 |
| Evans | $125.00 |
| Firestone | $116.00 |
| Highlands Ranch | $102.00 |
| Sherrelwood | $110.00 |
| Roxborough Park | $103.00 |
| Clifton | $132.00 |
| Durango | $119.00 |
| Castle Rock | $98.00 |
| Louisville | $125.00 |
| Colorado Springs | $98.00 |
| Stonegate | $115.00 |
| Dakota Ridge | $97.00 |
| Montrose | $118.00 |
| Derby | $124.00 |
| Superior | $116.00 |
| Windsor | $133.00 |
| Golden | $116.00 |
| Castle Pines | $109.00 |
| Frederick | $123.00 |
| Fruita | $120.00 |
| Broomfield | $122.00 |
| Commerce City | $109.00 |
| Lone Tree | $127.00 |
| Steamboat Springs | $122.00 |
Ft. Collins Motorcycle Insurance- Rules Ror Motorcycle drivers
If you want to take your motorcycle out on the road, you need to know there are some rules and regulations first in Ft. Collins!
Motorcycles and motor vehicles must follow the same traffic laws. Below are some of them….
In addition to insurance requirements, motorcycle drivers in Fort Collins, Colorado, must adhere to a set of rules and regulations designed to ensure safety on the roads. These rules are in line with Colorado’s state laws governing motorcycle operation. Here’s an overview of some key rules and guidelines for motorcycle drivers:
1. Helmet Law
- Under 18: Colorado law requires all motorcycle operators and passengers under the age of 18 to wear DOT-approved helmets.
- Over 18: While helmet use is not mandatory for riders over 18, it is highly recommended for safety.
2. Eye Protection
- Eye protection is required for all riders, regardless of age, unless the motorcycle is equipped with a windshield.
3. Lane Splitting
- Lane splitting, which is the practice of riding between lanes of traffic, is illegal in Colorado.
4. Lane Sharing
- Motorcycles are entitled to the full use of a lane, and two motorcycles may ride side by side in a single lane, but no more than two.
5. Motorcycle Endorsement
- To legally operate a motorcycle in Colorado, you must have a motorcycle endorsement on your driver’s license. This requires passing both a written test and a skills test or completing a Motorcycle Operator Safety Training (MOST) course.
6. Footrests and Handholds
- If carrying a passenger, the motorcycle must be equipped with footrests for the passenger. Handholds are also required unless the motorcycle is designed to carry a passenger without them.
7. Protective Gear
- Although not required by law for those over 18, wearing protective gear, including gloves, durable clothing, and over-the-ankle footwear, is strongly recommended for all riders.
8. Headlights
- Motorcycles must have their headlights on at all times, even during daylight, to increase visibility to other drivers.
9. Insurance
- As mentioned, carrying the minimum required motorcycle insurance is mandatory for operating a motorcycle.
10. DUI Laws
- DUI laws apply to motorcycle operators just as they do for other motor vehicle drivers. Colorado has strict penalties for operating a motorcycle under the influence of alcohol or drugs.
11. Motorcycle Registration
- Motorcycles must be registered with the Colorado Department of Motor Vehicles, and registration must be renewed annually.
Adhering to these rules not only keeps you legal on the road but also significantly increases your safety and the safety of those around you. For the most current information and regulations, it’s a good idea to check with local Fort Collins authorities or the Colorado Department of Transportation.
Ft. Collins Motorcycle Insurance- Other types of insurance we offer
We offer many different insurance products here at A Plus Insurance. We also offer bundling with a couple of our carriers as well to save our clients even more money. In addition to home, condo, renters, and auto insurance we have recently started offering ATV, snowmobile and dirt bike insurance through Dairyland. We also offer business liability insurance in Fort Collins, Colorado.
| Type of Coverage | Our Top Companies |
| Car Insurance | Progressive, Dairyland, |
| Business Insurance | BTIS, Hiscox |
| RV Insurance | Progressive, Travelers |
| Home Insurance | Travelers, ASI, Foremost Star |
| Renters Insurance | ASI, Foremost |
| Boat Insurance | Travelers, Progressive |
| Motorcycle Insurance | Dairyland, Progressive |
Ft. Collins Motorcycle Insurance- Motorcycle Endorsements
For a motorcycle Endorsement, you must have a valid CO driver’s license. The 2 different kinds of motorcycle endorsements are “M” which is going to allow you to drive two and three-wheeled motorcycles and then there is “3” and that means you can only drive three wheeled motorcycles. You can add the endorsement 2 ways…
- Must pass the motorcycle written exam and purchase an instruction permit, then pass a motorcycle skills test and then you will need to get a new driver’s license and add the motorcycle endorsement.
- You must complete a Motorcycle Operator Safety Training course and once you have passed that you will show your MOST waiver card to the DMV and there you will need to get a new license and add the motorcycle endorsement.
Q1: What does Ft. Collins Motorcycle Insurance cover?
Ft. Collins Motorcycle Insurance provides coverage for your motorcycle, including liability protection, collision coverage, comprehensive coverage, and more.
Q2: How can I get a quote?
To get a quote, you can visit our website or call us at 1.888.445.2793 to speak with one of our representatives.
Q3: Are there discounts available for Ft. Collins Motorcycle Insurance?
Yes, we offer various discounts for Ft. Collins Motorcycle Insurance, including safe rider discounts, multi-policy discounts, and more. Contact us for details.