Colorado Motorcycle Insurance

Why You Need Motorcycle Insurance in Colorado
Colorado requires anyone who operates a motorcycle to have proper liability insurance. Motorcycle insurance protects you in the event you are involved in an accident and also if your vehicle is stolen or somehow damaged. Residents of Colorado are some of the healthiest in the country and this is due in part to the beautiful mountains and breathtaking scenery. Living in such a spectacular setting encourages people to enjoy the outdoors and explore all of nature’s gifts. Driving a motorcycle can be an exhilarating experience in Colorado but it is your responsibility to maintain adequate insurance coverage and to follow the rules of the road.

Motorcycle Insurance Types
There are various types of motorcycle insurance available to drivers. In addition to the customary liability coverage, a person can also choose Collision coverage, Comprehensive coverage, Uninsured motorist coverage, and Underinsured motorist coverage. You should familiarize yourself with these different options and choose the ones that are appropriate for you and your personal situation when you formulate your insurance policy.

Riding Motorcycles in Colorado
Before individuals can legally drive motorcycles on Colorado roadways, they must obtain a regular Colorado driver’s license.
There are two ways to do this:

  1. Pass a written test > Purchase a permit > Pass the motorcycle driving test > Pay a fee.
  2. Enroll in a motorcycle safety foundation course to waive the driving and written tests.

Motorcycle License Requirements in Colorado:

  • Proof of Identification
  • Driver’s license
  • Passing both a Driving and Written Test
  • Permit and Fees

Colorado Insurance Minimums
To protect motorcyclists, Colorado Law requires all owners of motorcycles to purchase and maintain a minimum amount of bodily injury and property damage liability coverage. The Colorado insurance minimum coverage amounts include:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury of all injured parties
  • $15,000 for property damage in one accident

The State of Colorado also recommends that all motorcycle owners purchase uninsured motorist coverage. Although it is not a requirement, uninsured motorist coverage protects the motorcycle driver in the event of an accident where the other driver is uninsured and found to be at fault. Generally uninsured motorist coverage is purchased in the same amount as the liability insurance coverage.