Motorcycle Insurance in Colorado

The minimum insurance requirements for motorcycles in Colorado are comparable to those for cars. They include $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $15,000 for property damage per accident.

Beyond this basic coverage required by the law, you might also want to consider adding additional forms of protection such as comprehensive and collision coverage. This is because motorcycles are more prone to theft and vandalism than cars and are at a higher risk of getting into an accident.

At 3R Insurance Agency, we know how important it is to have the right insurance coverage for your motorcycle. We are an independent Colorado motorcycle insurance agent. This means we work with several different companies to make sure you get the best rate and coverage for your needs. Some of the benefits that you will receive when you choose us for your motorcycle insurance include:

• Best Value for Money: Our extensive partnerships with top-rated insurance companies enable us to match you with the company that offers the best coverage and rate for your needs.
• Flexible Coverage Options: We offer a variety of comprehensive coverage, so you can choose the right one to suit your needs.
• Dedicated Customer Service: Our knowledgeable staff is always available to answer any questions you have about your coverage.
• Fast and Easy Claims Process: We help our clients process their claims quickly and easily, so they can get the compensation they are entitled to as soon as possible.
• Discounts: We will link you with any discounts that may be available to you.
• Online Quotes: All you have to do is fill out a simple online form, and we will provide you with multiple quotes from different companies.

We understand how important it is to have the right coverage for your motorcycle and we work hard to make sure you have the best coverage at the best rate. 

Contact us today for more information on our motorcycle insurance in Colorado. 

We look forward to hearing from you!

The minimum insurance limits may not be enough to cover the full costs of a serious accident. This is why it’s important to consider additional coverage, such as comprehensive and collision. These types of coverage will help you protect your bike itself, as well as any damages caused by an accident.

Collision Coverage 

This option covers the cost of repairing or replacing your motorcycle if it is damaged in a collision with another vehicle or object, regardless of who is at fault. Collision coverage will also cover damage caused by potholes and other road hazards. It is a good idea to consider adding this coverage if you frequently ride on busy roads or in areas with poor road conditions.

Comprehensive Coverage

Comprehensive coverage will cover non-collision damages, such as theft or vandalism. It also provides liability protection for you if someone else is injured in an accident caused by you or your bike. It is a good idea to purchase comprehensive coverage, as it can help provide financial protection in the event of an accident.

Medical Payments Coverage 

Adding medical payments coverage to your policy can help pay for medical bills if you or your passengers, as well as any pedestrians involved in an accident with your bike, are injured. Regardless of who caused the accident, this coverage can help prevent you from facing high medical expenses. It’s recommended to consider this coverage as medical bills can be expensive.

Uninsured/Underinsured Motorist Coverage

Sometimes, the other driver involved in an accident may not have enough insurance to cover all of your damages, or they may not even have any insurance at all. Uninsured/underinsured motorist coverage will protect you in these situations by covering any damages not covered by the other party’s insurance.

Custom Parts and Equipment Coverage

If you customize your bike with aftermarket parts and equipment, such as custom paint jobs or performance upgrades, then it is important to get Custom Parts and Equipment Coverage. Custom Parts and Equipment coverage will help protect these custom parts from theft, vandalism, or any other damages.

Bodily Injury Liability 

The main purpose of Bodily Injury Liability coverage is to protect you in the event that you are at fault for an accident and someone else is injured. This coverage will help pay for medical bills, loss of income, and legal costs associated with the accident.

Roadside Assistance/Towing Coverage

If your bike breaks down, Roadside Assistance/Towing Coverage can provide you with emergency roadside assistance and towing services. This coverage is especially important if you frequently ride long distances or take trips to areas where roadside assistance may be more difficult to find.

At 3R Insurance Agency, we are dedicated to providing our customers with quality coverage and excellent customer service. We understand that every rider and their needs are different, which is why we work with you to customize a policy that meets your specific needs. From liability coverage to comprehensive and collision coverage, we will help you find the right motorcycle insurance in Colorado. 



Contact us today to get started!

Motorcycle insurance is mandatory in Colorado and the state enforces severe sanctions for those who fail to comply. Riding a motorcycle without insurance or without showing proof of coverage can result in the following penalties:

• First Offense—you will have to pay a minimum fine of $500, receive 4 points on your driving record, and risk losing your license.
• Second Offense—you will have to pay a minimum fine of $1,000 and your license will be suspended for 4 months.
• Third Offense—you will have to pay a minimum fine of $1,000, perform community service hours, and your license will be suspended for 8 months.

It is important to always carry proof of insurance when riding a motorcycle in Colorado. Failure to do so can also result in hefty fines.

Protective Gear Requirements 

The following are the essential safety rules for protective equipment that riders in Colorado must adhere to, as per the Colorado Department of Transportation:

• Helmets—passengers and operators who are under 18 years of age must wear a helmet that meets the DOT standards.
• Eye Protection—all riders and passengers must wear eye protection, such as glasses with goggles, plastic/safety glass lenses, or helmet visor.
• Footrests—motorcycles must have footrests for passengers and the passengers must use them.
• Passengers—Passengers are required to sit behind the driver or in a sidecar. Sitting in front of the driver is not permitted.

To enhance their safety in the event of an accident, riders and passengers may opt to wear extra protective gear like leather jackets, leather riding boots, leather vests, leather gloves, and long pants/jeans.

Insurance companies may inspect if you were wearing the correct protective gear and if all passengers were, too, in case of an accident. Having the right safety equipment not only reduces the risk of severe injury or fatality but can also decrease the expenses linked with the accident.

The cost of your motorcycle insurance depends on a variety of factors. These include:

• Your age and experience level: younger and less experienced riders tend to pay more for insurance.
• Your driving record: if you have had any accidents in the past or any violations on your record, you may be considered high-risk and therefore pay higher premiums.
• The type of motorcycle you ride: certain types of motorcycles, such as sports bikes and touring bikes, may cost more to insure.
• The type of coverage you need: more comprehensive coverage typically means higher premiums.
• Your location: where you live may affect your insurance rates, as some locations are more prone to theft and other criminal activities than others.
• Your deductible: the higher your deductible, the lower your premiums will be.

Some factors cannot be changed, such as your age and gender. However, you can take some steps to lower your Colorado motorcycle insurance premiums:

• Consider a higher deductible.
• Improve your driving record.
• Take a safety course.
• Park your motorcycle in a secure place.
• Ask about discounts for multiple policies or loyalty incentives.

Comparing quotes from various insurers is the best way to find the most affordable motorcycle insurance coverage. This can help you find a policy that meets your needs and budget.

Here at 3R Insurance Agency, our experienced agents are dedicated to helping you find the best motorcycle insurance policy for your needs. We’ll help you compare quotes from top-rated insurers and make sure you get the coverage you need at an affordable rate. Contact us today to get started!