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Motorcycle Insurance Laws In Colorado: Everything You Need To Know

Posted on May 3, 2021 in

Motorcycling is a popular activity in Colorado. We have plenty of motorcyclists who live in this state, and there are plenty of visitors who bring their motorcycles here to enjoy the scenic riding. However, it is crucial for all motorcyclists in Colorado to carry the correct insurance. Here, we want to discuss Colorado’s motorcycle insurance laws. In particular, we will look at the insurance that Colorado residents must have if they own a motorcycle as well as the insurance requirement for out-of-state motorcyclists who come here.

Colorado Motorcycle Insurance Requirements

Just like any person who owns a traditional vehicle, any motorcycle rider in Colorado must have insurance in order to remain legal on the roadway. It is absolutely crucial to point out that motorcycle operators have to have insurance specifically related to their motorcycle. They cannot rely on their traditional vehicle insurance to cover them in the event they get involved in a motorcycle accident. These are two separate policies. If a person owns a traditional vehicle and a motorcycle, they will have to have two separate types of policies.

In order for a person to legally operate their motorcycle in Colorado, they must purchase and maintain the minimum liability insurance amounts:

  • Bodily injury coverage per person: Minimum of $25,000
  • Total bodily injury coverage per incident: Minimum of $50,000
  • Property damage coverage per incident: $15,000

It is important to point out that any other type of coverage in these cases is optional. For example, you will see that uninsured or underinsured motorist coverage is not required. However, we strongly recommend that all motorcyclists carry this type of insurance. Uninsured and underinsured motorist coverage will help pay for expenses in the event a motorcyclist is struck by an uninsured driver or a driver who does not have enough insurance to cover all of the damages.

Additionally, we recommend that all motorcyclists carry collision coverage so that they will be able to get their motorcycle repaired in the event they are responsible for a collision.

We also want to point out that motorcycle insurance policies go with the bike. For example, if you are operating another person’s motorcycle, your policy will not cover you. You would be covered by the policy of the motorcycle’s owner.

Discounts on Motorcycle Insurance

Most motorcyclists in Colorado will be able to obtain various types of discounts on their insurance. Some of the best ways to save some money when obtaining motorcycle insurance in Colorado include:

  • Passing a motorcycle safety course
  • Owning a home
  • Paying the annual premium in full
  • Bundling the insurance coverage with other types of insurance, such as auto insurance, home insurance, condo insurance, RV insurance, and more

What About Motorcyclists From Out Of State?

If you are visiting Colorado with your motorcycle, you must have insurance coverage in your respective state. Just like driving to other states in your traditional vehicle, your insurance will apply in Colorado as well, so long as you have the minimum insurance requirements in your state. Even if the minimums in your state are less than what is required in Colorado, your policy will automatically adjust in the event you are involved in an accident in Colorado on your motorcycle.

If You are Involved in a Colorado Motorcycle Crash

If you or somebody you care about is injured in a motorcycle crash caused by the careless or negligent actions of another driver in Colorado, please seek assistance from a skilled attorney as soon as possible. An attorney can use their resources to investigate every aspect of the claim, determine liability, and help you obtain full compensation for your losses.