Is Motorcycle Insurance Mandatory In Colorado?

Colorado boasts beautiful scenery and diverse geography, making it perfect for a scintillating motorcycle ride. Statistics demonstrate that about 180,000 Coloradans owns motorcycles. If you are a motorcyclist in Colorado, it’s imperative to possess the right motorcycle insurance to protect you and your bike.  

Motorcycle insurance is mandatory in Colorado, and one is required to show proof of insurance before registering your motorcycle. At Compass Insurance, situated in Centennial, CO, we wouldn’t want Colorado riders to suffer fines, court fees, and imminent driver’s license suspension. As such, we offer proper motorcycle insurance to keep you on the right side of the law.

Mandatory motorcycle insurance in Colorado

Colorado State requires all riders to carry liability insurance to cover bodily injury and property damage caused to third parties. This coverage pays for medical costs, legal suits, and property damage for losses and damages sustained by other people in an accident you are deemed liable.

Optional motorcycle insurance

While the state doesn’t require riders to carry these motorcycle insurance coverages, they are vital for all-around protection. These include: 

  • Collision insurance coverage: It covers damages arising from a collision with another vehicle or object, including a post, fence, building, tree, or rock.
  • Comprehensive insurance coverage: This non-collision form of the policy pays for repairs or replacing your motorcycle if it gets damaged by vandalism, hailstorm, falling objects, or any other covered calamity.
  • Underinsured and uninsured motorist coverage: It pays for medical bills for injuries you sustain and property damage, including your motorbike; if you are involved in an accident with a motorist who is inadequately insured or is not insured at all.
  • Medical payments coverage: It pays for medical expenses like X-rays and ambulance rides for you or your passengers’ injuries after an accident.

Call for a quote today!

Are you a motorcycle owner in Colorado? Contact us or visit our Compass Insurance offices located in Centennial, CO. Our committed agents will be ready to assist you with all your motorcycle insurance needs.