Motorcycle Insurance Minimum Requirements in Colorado
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All resident riders are required to comply with the state's financial responsibility law. Most do so with liability insurance.
Ways to Establish Financial Responsibility
You are limited to two options:
- Self-service insurance is available, but only if you have 25 or more vehicles registered in your name.
- Liability coverage (more information below).
Two-Wheeled Vehicles Defined
If you're not sure whether your two-wheeled vehicle requires registration, which would necessitate insurance, call the Division of Motor Vehicles (DMV) at (303) 205-5607.
- Motorcycle―Any vehicle designed to travel on not more than three wheels in contact with the ground (excluding farm tractors).
- Motor-Driven Cycle―Every motorcycle and motor scooter equipped with an engine that does not exceed six-brake horsepower.
- Motorized Bicycle―Any vehicle with two or three wheels, a cylinder capacity not exceeding 50 cc, and an automatic transmission. It also cannot top 30 mph.
- Motor Scooter―Any motorized vehicle designed not to travel with more than three wheels touching the ground and equipped with a six-brake horsepower or less engine
You must carry the following amounts of liability insurance:
- $25,000―per person for bodily injury
- $50,000―per accident for bodily injury
- $15,000―per accident for property damage
Be sure to scout different quotes from different carriers before deciding on a policy―it could save you a lot of money. And keep in mind that you do have the option to maximize your protection with additional types of coverage.
NOTE: As of 2009, you must carry med-pay coverage (pays $5,000 in medical expenses following an accident). Depending on your carrier, you might see a small spike in your premiums. You do, however, have the right to refuse. You can do this by submitting a letter of refusal to your insurance carrier.
How Coverage Affects Helmet Requirements
Wearing a helmet will not qualify you for any insurance discounts. As is, all motorcycle and motorized bicycle riders and passengers younger than 18 must don helmets
Even though law officials can access your insurance information via a statewide database system, you still must carry one of the following while riding:
- A certificate of self-insurance.
- An insurance identification card from your carrier.
Riding a bike with no proof of insurance will net you the following penalties:
- First offense:
- A minimum fine of $500.
- Four points added to your driving record.
- Possible suspension.
- Second offense:
- A minimum fine of $1,000.
- A four-month suspension.
- Third offense:
- A minimum fine of $1,000.
- Community service.
- An eight-month suspension.
If you need more information about liability insurance requirements, and how to take care of any penalties you might receive, contact the DMV at (303) 205-5607.
In This Section
Other Topics in This Section
- Auto Insurance Requirements
Colorado car insurance information center. What insurance to buy in Colorado, how to decide, compare policies, purchase CO car insurance.
- Motorcycle Insurance Minimum Requirements
CO financial responsibility requirements for your moped, atv, scooter or motorcycle. Protect your bike and your liability in Colorado by purchasing motorcycle insurance.
- Commercial Auto Insurance Minimum Requirements
Commercial vehicle insurance requirements in CO. Protect your rig or your fleet by maintaining proper financial responsibility on your commercial vehicles in Colorado.
- Penalties For Driving Without Insurance
Learn More On Penalties For Driving Without Insurance In Your State. No Insurance Violations Vary By State. Avoid Allowing You Car Insurance Policy To Lapse.
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