Cheap Motorcycle Insurance in Colorado

Some terrain is more fun travel by motorcycle and the State of Colorado is one of them. There are a lot of windy and steep mountain roads which people enjoy driving through, while enjoying some spectacular scenery. In Colorado, there is no special motorcycle license – the endorsement is done on the driver’s license with an “M”.

Minimum Requirements

The easiest way to go about getting a license is to go to the local DMV office and take a test. The other alternative is to go through the Motor Safety Foundation course. The basic course is 15 hours which covers all aspects for the novice rider – it will involve a written and also skills test.

  • In Colorado, one has to be 16 years of age to get an endorsement. Anyone under 18 will have to apply and have an instruction permit for at least one year before applying for the upgrade.
  • If the applicant plans to take his bike for the riding test, it has to be registered and also have insurance. The title and registration process for a motorcycle is the same as cars, except that motorcycles don’t need to be tested for emissions.
  • Every motorcycle owner/rider has to comply with insurance requirements by buying the prescribed amount of liability insurance.
  • In Colorado, riders and passengers have to, by law, wear helmets.

Required Paperwork

In Colorado, liability insurance requirements are as follows:

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

It is always a good idea to check out prices quoted by different insurance carriers before deciding on which policy to buy – one can maximize protection by getting the right kind of coverage and saving money in the process. As of 2009, new rules have been put in place, which require that riders carry medical coverage to the tune of $5000 as well. This will increase premiums and riders have the right to refuse. Of course, they will have to put this in writing and send a letter to the insurance carrier.

Updated insurance information is always available to law enforcement officials on a database which covers the entire state. Riders are required to carry proof of insurance, the lack of which can draw severe penalties – points added on the license, fines as well as possible suspension of driving privileges.


Each state puts laws in place to encourage safe driving habits on the part of residents and visitors. Insurance companies also have an interest in ensuring that their customers are doing the right thing.

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