Is Motorcycle Insurance Required in Colorado?

Motorcycle insurance is required in Colorado and you must show proof of it prior to registering your bike. The team at Erico Motorsports is here to answer all of your FAQs about motorcycle ownership from insurance and licensing to maintenance and care.

Colorado Motorcycle Insurance

If you own a motorcycle in Colorado then you are required to have motorcycle insurance in order to comply with state law. You must have the following motorcycle liability insurance so you can pay for potential damages and injuries in the event of a collision. The minimum required coverage includes:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $15,000 per accident for property damage

Motorcycle Insurance Cost

There are a number of factors that go into determining the cost of motorcycle insurance, including:

• The quality and type of motorcycle insurance you purchase
• Where you live
• Your age and gender
• The age, model, and mileage of your motorcycle
• How many miles you expect to drive in a year
• Motorcycle use (type of recreational or professional use planned)
• Your personal credit history

In general drivers in and around Aurora can expect to pay an average of approximately $500-600 per year, or around +/- $50 per month depending on the factors listed above.

Types of Motorcycle Insurance

In addition to motorcycle liability insurance coverage which is used to cover another person’s property and injuries, you can also purchase more premium motorcycle insurance plans that cover things like:

• Collision coverage for your own motorcycle
• Personal medical coverage
• Uninsured/uninsured motorist coverage
• Comprehensive coverage for vandalism and other types of damage to your motorcycle
• Roadside assistance
• Rental reimbursement

Get more information about motorcycle ownership by contacting us directly, or make the trip to our dealership and be sure to check out our current new motorcycle inventory!