Facts about Colorado Motorcycle Insurance

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 you 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 policy.   Visit our blog about motorcycle insurance here to get all the details.

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.

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

Top 10 Scenic Colorado Motorcycle Rides

In closing now that you are properly gear and have the proper motorcycle insurance knowledge and  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
For all things insurance check us out here.

Additional Helpful Links

Durango, CO Car Insurance

Colorado Auto Liability Insurance

Homeowner’s Insurance Colorado

Motorcycle Insurance Rock Hill

SR22 Colorado Insurance

Last Updated on March 25, 2023 by Alexandra Vileikis