The Best Cheap Motorcycle Insurance In Colorado
Dairyland has the cheapest motorcycle insurance in Colorado, at $20 per month for full coverage.
Compare Motorcycle Insurance Quotes in Colorado
Motorcycle insurance is mandatory in Colorado, but it doesn't have to be expensive. ValuePenguin analyzed more than 200 insurance quotes across Colorado to find the top options for protecting your ride.
Cheapest motorcycle insurance in Colorado
To help you find the best cheap motorcycle insurance in Colorado, ValuePenguin compared quotes from seven top companies across the largest cities in Colorado.
We rated and ranked the best motorcycle insurance companies in Colorado based on customer service, cost and coverage availability.
To find the cheapest companies, our analysts compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. See our full methodology.
The cheapest motorcycle insurance companies in Colorado
Dairyland has the cheapest motorcycle insurance in Colorado, with an average rate of $20 per month. That's 39% cheaper than the state average.
The average cost of motorcycle insurance in Colorado is $34 per month, or $402 per year.
Compare Motorcycle Insurance Quotes in Colorado
Cheapest motorcycle insurance companies in Colorado
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $20 | |
| Harley-Davidson | $21 | |
| Progressive | $27 | |
| Markel | $32 | |
| Allstate | $38 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$27 ?
Pros and cons
Progressive motorcycle insurance is the best option for most riders in Colorado. It has very competitive rates, plus an array of rider-specific discounts and protections that allow you to protect your ride.
For an average of $27 per month in Colorado, Progressive motorcycle insurance provides liability coverage for bodily injury and property damage, plus comprehensive and collision.
Progressive also offers coverages that go beyond the basics, many of which often aren't available at other companies.
- Expanded parts coverage for custom additions
- Original equipment manufacturer (OEM) parts coverage and replacement cost coverage
- Carried contents protection
- Enhanced injury coverage for you and passengers
- 25% reduction in deductible for each accident-free year
Features and pricing aside, Progressive scores slightly better than average in terms of customer experience. Progressive receives about one-third fewer complaints than a typical insurance company, suggesting its customers are generally satisfied with their service.
Best for cheap coverage: Dairyland
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Editor rating
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Monthly rate
$20 ?
Pros and cons
Dairyland has the cheapest motorcycle insurance in Colorado, with an average cost of $20 per month statewide. It also offers a fair number of discounts, including for bundling your car insurance, staying accident-free and paying your annual bill up front.
However, Dairyland's customer service is not impressive. It has more than twice as many complaints as a typical company. That suggests consumers are generally not satisfied with the service they receive.
Dairyland offers car insurance in Colorado. However, it's not ideal for bundling because its coverage options aren't as robust as those of our main pick, Progressive. It also doesn't offer homeowners or renters insurance.
Best for military families: USAA
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Editor rating
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Monthly rate
$26 ?
Pros and cons
Military members, veterans and some of their family members can get a great deal on a motorcycle insurance policy by buying through USAA. The company has some of the best customer service around, but it's only available to a limited group of consumers.
USAA doesn't actually sell its own motorcycle insurance. Instead, it works through Progressive. USAA members get a 5% discount on Progressive policies, and this discount can be added to an already strong set of discounts. Based on our sample rates from Progressive, this brings a USAA member's typical price to just $26.
Progressive offers impressive coverage overall, as it has affordable rates, lots of coverage options and solid customer service.
Colorado motorcycle insurance: Costs by city
Denver is the most expensive city in Colorado for insuring a motorcycle.
There, the average price is $39 per month, or 18% higher than the state average.
Durango is the cheapest large city in the state for motorcycle insurance, at $28 per month.
Motorcycle insurance rates can change from place to place. This happens because different locations are more or less risky for riders. The differences can include increased traffic or the state of local roads.
City | Monthly cost | % from average |
|---|---|---|
| Arvada | $38 | 13% |
| Aurora | $36 | 8% |
| Boulder | $32 | -5% |
| Brighton | $33 | -2% |
| Broomfield | $34 | 0% |
Like in many other states, motorcycle insurance in Colorado is most expensive for the largest cities. Nine out of the 10 cities with the highest rates are in the Denver metropolitan area. In these cities, the average cost of insuring a motorcycle is 10% to 19% higher than in the state as a whole.
How much motorcycle insurance is legally required in Colorado?
Under Colorado law, riding a motorcycle requires the same amount of liability insurance as driving a car:
- $25,000 for bodily injury or death to any one person in an accident
- $50,000 for bodily injury or death to all persons in any one accident
- $15,000 for property damage in any one accident
How do you get a Colorado motorcycle license?
You're required to have a valid motorcycle license in order to ride in Colorado. There are two ways you can do this, both of which require you to visit a driver's license office in person.
Method 1 | Method 2 |
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If you're under 18, you must purchase and hold a motorcycle instruction permit for at least 12 months. After that, you may add the motorcycle endorsement to your driver's license. The need for a regular license to start this process means that you must be at least 16 to get your motorcycle permit in Colorado.
Compare motorcycle insurance in Colorado vs other states
Methodology
To find the best cheap motorcycle insurance in Colorado, ValuePenguin collected over 200 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.