Colorado’s scenic highways make it a top destination for motorcyclists, but with high traffic, unpredictable weather, and distracted drivers, the risk of accidents is real. Whether you’re riding through Rocky Mountain National Park or cruising on I-25, having the right motorcycle insurance isn’t just about following state laws—it’s about protecting yourself from financial loss and serious injury.
What Insurance Is Required for Motorcycles in Colorado?
Colorado law requires all motorcyclists to carry minimum liability coverage:
✔ $25,000 for bodily injury per person.
✔ $50,000 for bodily injury per accident.
✔ $15,000 for property damage.
However, these minimums are not enough to cover serious injuries or damages. Motorcyclists face a higher risk of catastrophic injuries, so additional coverage is highly recommended.
Essential Motorcycle Insurance Coverage for Colorado Riders
While liability coverage protects other people if you’re at fault, it does not cover your own injuries or damage to your bike. Here are key coverages to consider:
🏍 Uninsured/Underinsured Motorist Coverage (UMBI/UIMBI) – Covers your medical bills if an uninsured or underinsured driver causes an accident. Since 1 in 8 drivers in Colorado is uninsured, this coverage is essential.
🏍 Collision Coverage – Pays for repairs or replacement of your bike after an accident, regardless of fault.
🏍 Comprehensive Coverage – Protects against theft, vandalism, hail, fire, and animal collisions (a real risk in Colorado’s mountain roads).
🏍 Medical Payments Coverage (MedPay) – Covers your hospital bills after an accident, regardless of who is at fault.
🏍 Custom Parts & Accessories Coverage – If you’ve upgraded your bike with custom exhaust, saddlebags, or chrome detailing, this ensures those additions are covered.
Why UMBI Coverage is Crucial for Motorcyclists
- Motorcycles are smaller & harder to see, increasing accident risk.
- Colorado has many uninsured & underinsured drivers.
- Hospital stays & rehab can cost tens of thousands of dollars.
Final Thoughts
Motorcyclists in Colorado need more than the state minimum coverage to stay financially protected. Uninsured motorist and comprehensive coverage are highly recommended, ensuring you can ride safely without risking financial devastation after an accident.
