man calculating an insurance cost with a key beside him | How Much Does it Cost to Insure a Motorcycle in ColoradoColorado is home to some of the most spectacular motorcycle rides in North America. Anyone who has had the opportunity to cruise along through the breathtaking scenery that Colorado has to offer can tell you, there aren’t many places that compare to riding in Colorado. With the summer months upon us, the warmer weather inspires riders everywhere to hit the open road. But before you take off on that epic Colorado road trip this summer, do you know whether you have enough insurance, and how much does it cost to insure a motorcycle in Colorado?

How Does Colorado Measure Up?

Depending on the state you live in, the cost of motorcycle insurance can vary greatly, with some states paying more than double the cost of riders in other states. Fortunately for Colorado motorcycle riders, the state sits nearly exactly at the national average in terms of insurance costs across all 50 states. 

Colorado’s yearly average motorcycle insurance is $534, only 3% higher than the national average of $519 per year in 2019.  The range of insurance costs between states is very wide. Louisiana is home to the highest yearly insurance rate, at $896, while North Dakota has the lowest overall rate at $283. 

What Factors Will Increase Your Motorcycle Insurance?

In addition to what state you live in, there are a variety of additional factors that will affect your motorcycle insurance rates. Insurance companies calculate rates by considering a multitude of risk factors, including the age and experience level of the rider. The following factors are considered when calculating insurance premiums:

  • Age of the motorcyclist
  • Years of driving experience
  • City of residence
  • Driving history
  • Type of motorcycle being insured
  • Amount of coverage being purchased

Taking additional rider training, safety and certification courses may help lower a rider’s yearly rates. 

Minimum Insurance Requirements

Drivers of all types of vehicles in Colorado are required to carry liability insurance. Motorcycle riders in Colorado must carry at a minimum:

  • $25,000 for death or bodily injury per person
  • $50,000 for death or bodily injury involving two or more people per incident
  • $15.000 for property damage or destruction per incident

In the event of an accident, these minimums will be met and exceeded quickly. Motorcyclists should consider additional insurance, especially to protect themselves from Underinsured Motorists or Uninsured Motorists (UM/UIM) on the road. UM/UIM insurance will protect riders if they’re involved in a hit and run, or an accident with a driver that doesn’t have insurance. 

Contact Our Denver Motorcycle Accident Attorneys

Paysinger Law, P.C.If you or someone you love has been injured in a motorcycle accident in Denver, Boulder, Aurora, Littleton, or anywhere in the state of Colorado, your first call should be to an experienced and skilled motorcycle accident attorney. Call Denver attorney Robert Paysinger at Paysinger Law, P.C. today to discuss your case. Our law firm offers FREE case consultations and can be reached at 303.279.0221.

What Our Clients Say About us

See the difference family makes at Paysinger Law.

Thank you so much for all of your hard work. I think you did a great job! I will definitely pass your name along to anyone I know who’s hurt for the free consultation.

Roy Miller

I don’t know where I would be without the Law Offices of Robert Paysinger. It was a very emotional experience, and I feel as if I owe Mr. Paysinger my life! The other lawyers would promise everything, but it was only here that I felt his integrity and willingness to live up to his word. He and the paralegals were so incredibly helpful throughout the strenuous process of my case. Going through a lawsuit is an emotional roller coaster, but whenever I was confused they would sit and explain everything in terms that I could understand. They provided an emotional support and treated me like family. It’s never about the money there, but about you, if you are upset they will do everything to help you, and work extremely hard for you. They are extremely honest and straight forward. I would recommend Mr. Paysinger to everyone, because they truly and genuinely care about you.

Tammy Wonder

At the Law Offices of Robert Paysinger, I was very pleased with the professionalism and courteousness of everyone who worked on my case. I had a horrible experience with my boss and dealing with my company regarding my workman’s comp. I came to the Paysinger Law Offices and received a settlement for what was needed to further my medical care so that I can heal and get back to work. He defended my rights when they were violated and I am very happy with the results! Thank you!

Michelle Bishop

I, James Pacho, appreciate everything that the Law Offices of Robert Paysinger, PC. For the help of making me get the amount of money I received including reducing my hospital bills, helping to get me a home.

James E. Pacho

Thanks to Robert Paysinger and Thomas Quinn for the hard work with my case. You guys are excellent and I will recommend you to everybody else. Keep doing an excellent job.

Ago Muric

Thank you so much for all the hard work to Robert and his staff. I was very happy with all their services.

Shannon Norgren

Thanks, Robert, for all the help with my accidents (both of them). You always promptly returned my calls and were extremely helpful whenever I had questions. After my motorcycle accident, you helped me understand how to better protect myself in the future, and because of that when I got in my car accident a year later, you were the only person I considered calling.

James Howington


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