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Colorado Motorcycle Insurance Laws

Updated on October 13, 2010

Motorcycle Insurance Laws: Colorado

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Motorcycle Insurance Colorado - Guidelines

According to the Dept. of Motor Vehicles regulations, having your motorcycle covered by insurance is mandatory if you wish to ride legally on Colorado roads.There are actually a number of assorted sorts of policy coverage that insurance advisors often recommend. These kinds of coverages may include...

  • Bodily Injury Liability
  • Property Damage Liability Limit
  • Uninsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage

The Importance of Uninsured Driver Coverage for Coloradans


Coverage against uninsured motorists comes recommended for Colorado bikers. Why? Because 15% of the state's drivers do not have insurance.

Since automobile drivers are more often than not at fault in accidents with cycles, you need to look after oneself monetarily. While additional coverage might possibly elevate your Colorado motorcycle insurance rates, it might be worth the additional fees - above all in the event of a mishap.

Colorado Motorcycle Requirements for Liability Coverage

In Colorado, liability coverage is the necessary form of motorcycle insurance. Liability helps to protect you money wise if you are judged to be culpable for personal injuries or damages in an accident. Even though you may not think a motorcycle could result in very much damage, you might be blown away. Colorado has laws prescribing the minimum degree of max liability coverage you are required to possess. Typically, you will see these liability coverages listed as 3 usd amounts, i.e. $25,000/$50,000/$15,000.

  • $25,000: bodily injury liability maximum for someone injured in a crash
  • $50,000: bodily injury liability maximum for personal injuries to all persons in one accident
  • $15,000: property-damage liability maximum for a single accident


Colorado Motorcyclists Poll

What Level of Coverage Do You Carry?

See results

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