Colorado motorcycle insurance

From the Front Range to the San Juan Mountains and beyond, Colorado delivers one breathtaking ride after another. Progressive helps bikers explore the Centennial State with personalized protection and easy discounts to help you save. Find out everything you need to know about motorcycle insurance in Colorado.

3 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

What are the minimum requirements for motorcycle insurance in Colorado?

Colorado motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$15,000 per accident

The state of Colorado also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Does Colorado require collision and comprehensive insurance?

Unless you're taking out a loan or lease for your motorcycle, comprehensive motorcycle coverage and collision motorcycle coverage are optional. But we know motorcycle owners are always investing in their bikes, and coverage against physical damage can be a top priority. Comprehensive coverage can protect your prized possession, as it may cover events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Colorado?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Colorado with liability coverage only was $161.81^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Denver, Colorado Springs, Fort Collins, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Colorado for bikers while still providing the valuable protection you need to ride with peace of mind.

You can decrease the cost of motorcycle insurance in Colorado with motorcycle insurance discounts, such as:

Multi-policy discount
Association discount
Motorcycle license/endorsement
Responsible driver discount
Safe and steady rider

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Colorado

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop