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Comprehensive Local Motorcycle Insurance Guide

Colorado Motorcycle Insurance

Motorcycle Registrations in CO

^ There are 183,881 registered motorcycles in Colorado, the 17th highest number in the nation. [1]

Motorcycle Insurance in CO by City

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Motorcycle Insurance Providers in Colorado

CO Motorcycle Insurance

CO Motorcycle Insurance in Colorado

Motorcycle Insurance Coverage Requirements in Colorado

  • Minimum Liability Limits in CO: 25/50/15 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident

  • Insurer Verification of Insurance in CO [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Colorado Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Colorado

Mandatory motorcycle insurance coverage for riders in the state of Colorado.

  • Motorcycle Insurance Requirements in CO [2]
    • Bodily injury liability coverage
    • Property damage liability coverage

Motorcycle Helmet Laws in Colorado

    • Motorcycle helmets required for 17 and younger and passengers 17 and younger. [3]

Motorcycle Insurance Laws & Regulations in Colorado

Motorcycle License Regulations in Colorado [4]

Detailed information about Colorado laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Colorado
  • Motorcycle License Laws in CO
    • Any operator of a motorized bicycle shall possess a valid Driver's license.
    • To be a legal motorcycle rider in Colorado, you must have the proper endorsement on your driver's license. The general motorcycle endorsement 'M' qualifies you to ride a 2- or 3-wheel motorcycle.
    • CDOT administers a program called MOST: Motorcycle Operator Safety Training. Riders who pass a MOST class can simply take their completion card to a state driver's license office to get an endorsement with no further testing needed.

Motorcycle Equipment Laws in Colorado [4]

Various regulations and laws in Colorado regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in CO
    • Riders under 18 and passengers under 18 must wear safety helmets.
    • Any driver or passenger on a motorcycle or motor-driven cycle on any public highway shall wear goggles or eyeglasses with lenses made of safety glass or plastic.
    • Any motorcycle carrying a passenger, other than in a sidecar or enclosed cab, shall be equipped with footrests for such passengers.
    • Every motorized bicycle shall be equipped with a lamp on the front, which shall emit a white light visible from a distance of at least 500 feet from the front, and a red reflector in the rear.
    • There is no passenger age restriction in Colorado.

Rider & Driver Facts in Colorado

Rider & Driver Facts in Colorado

Colorado Motorcycle Registrations

  • Registered Riders in CO [1]
    • In 2012, Colorado totaled 183,881 motorcycles registrations.
    • This number ranks 17th in the United States by state (including Washington, D.C.).
    • Note: CO ranked 22nd in the nation in total auto registrations (all vehicle types) in 2011.

Colorado Highway Facts

  • Speed Limits in CO [3]
    • Rural interstates: 75 mph
    • Urban interstates: 65 mph
    • Other roads: 65 mph
  • Consumption of Motor Fuel in CO [5]
    • Colorado ranked 26th in the U.S. in 2011 in total motor fuel consumption.

Colorado Accident Reporting Regulations

  • Accident Reporting in CO [4]
    • An accident report is required in any crash resulting in death, injury, or any property damage.
    • The report must be filed within 10 days.

Additional information about Colorado

About Colorado

Colorado as a whole has an approximate population of 5,029,196, which ranks 22nd in the nation. [6]

CO Motorcycle Insurance

CO Motorcycle Insurance

To learn more about Motorcycle Insurance in Colorado, or for additional resources related to Colorado Motorcycle Insurance, visit the Colorado Department of Insurance.

Did you know?

Currently, laws requiring only some motorcyclists to wear a helmet are in place in 28 states.

Colorado Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Colorado DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)