Motorcycle Insurance in Colorado

Insurance Coverage Areas

Warrior also offers personal insurance coverage to help protect your home, vehicles, and other important parts of your life.

Independent Motorcycle Insurance Agents

Motorcycles present different coverage considerations than standard passenger vehicles. The right policy can help protect your bike, provide liability coverage, and address risks involving passengers, uninsured drivers, custom equipment, theft, and other unexpected losses.

As an independent insurance agency, Warrior Insurance and Services Group works with multiple carriers to help Colorado motorcycle owners compare available policies. Our team considers the type of motorcycle you ride, its value, how often it is used, where it is stored, and any equipment or modifications that may require additional protection.

What you can expect from our team:

Coverage based on your motorcycle: We consider the bike’s type, value, equipment, modifications, storage, and use.
Options from multiple carriers: We help you compare available policies, limits, deductibles, and features.
Straightforward guidance: We explain required liability coverage and optional protections in clear terms.
Ongoing support: When you purchase a new motorcycle, add custom equipment, or change your riding habits, we can help review your coverage.

Motorcycle Insurance Coverage Options

A motorcycle policy can combine required liability protection with optional coverage for the motorcycle, rider, passengers, and accessories. Availability, limits, deductibles, and exclusions vary by policy and carrier.

Liability Coverage

Liability insurance helps cover qualifying injuries or property damage for which you are legally responsible following an accident. Colorado riders must maintain applicable minimum liability coverage, although higher limits are available.

Collision Coverage

Collision coverage may help repair or replace your motorcycle if it is damaged in a collision with another vehicle or object, subject to the deductible and policy terms.

Comprehensive Coverage

Comprehensive coverage helps protect the motorcycle from certain non-collision losses, such as theft, vandalism, fire, severe weather, or contact with an animal.

Uninsured and Underinsured Motorist Coverage

This coverage may help protect you when an at-fault driver has no insurance or does not have enough liability insurance to address qualifying injuries resulting from an accident.

Medical Payments Coverage

Medical payments coverage may help with certain medical expenses for you or an insured passenger following a covered motorcycle accident, regardless of fault. Availability and limits vary by policy.

Accessories and Custom Equipment

Motorcycle policies may include limited protection for custom parts, upgraded equipment, helmets, or riding gear. Additional coverage may be needed when the value of these items exceeds the policy’s standard limit.

Frequently Asked Questions About Motorcycle Insurance

What does motorcycle insurance typically cover?

Motorcycle insurance may include liability, collision, comprehensive, uninsured or underinsured motorist, and medical payments coverage. Options may also be available for custom equipment, safety apparel, roadside assistance, or transported motorcycles.

Is motorcycle insurance required in Colorado?

Motorcycles operated on Colorado roads must meet the state’s applicable liability insurance requirements. Liability coverage helps pay for qualifying injuries or property damage you cause, while protection for your own motorcycle generally requires additional coverage.

What is the difference between collision and comprehensive coverage?

Collision coverage applies to qualifying damage caused by hitting another vehicle or object. Comprehensive coverage applies to certain non-collision losses, such as theft, vandalism, fire, weather, or contact with an animal.

Does motorcycle insurance cover passengers?

Coverage for passenger injuries depends on the policy and selected protections. Review your bodily injury, medical payments, and other applicable coverage with your agent if you regularly carry passengers.

Are custom motorcycle parts and riding gear covered?

Some policies include a limited amount of coverage for custom parts, accessories, helmets, and safety apparel. If you have made significant modifications or purchased expensive equipment, additional coverage may be appropriate.

Should I cancel my motorcycle insurance during the winter?

Canceling coverage can leave the motorcycle unprotected from theft, fire, vandalism, or weather damage while it is stored. It may also create a lapse in insurance history. Ask your agent about available seasonal or storage-related options before changing the policy.