Motorcycle Insurance Colorado Springs

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Learn About Motorcycle Insurance

We want to help you understand motorcycle insurance in Colorado Springs, we will go through the different types of insurance, which bikes can be covered, how to get a cheaper rate. We want to make sure you know a little bit about insurance, before you go into your local insurance agent to ask questions.

What Motorcycles are Covered

  • Motorcycles
  • Classic Motorbikes
  • Custom Choppers
  • Scooters
  • Dirt Bikes
  • Harley Davidsons & All other motorcycle Brands
  • And more


Getting dirt bike or motorcycle insurance is very similar to getting auto insurance policy in Colorado Springs. You will get similar insurance plans from liability to full coverage lets go through all of the different type of bike insurance plans.

Liability Motorcycle Insurance

Liability insurance is Colorado’s State minimum for insurance coverage if you own/ride a motorcycle in Colorado. This offers very limited protection, if you cause the accident your insurance will pay for the other person’s vehicle and possibly injuries, but your vehicle and injuries could not be covered. This is the cheapest motorcycle insurance in Colorado Springs but also offers the lowest coverage as well.

Motorcylce in Pikes Peak

Roadside Assistance Coverage

This type of coverage helps if you are riding your motorcycle in the Rocky Mountains and you get a flat tire or run out of gas. Your insurance provider will help pick up the bill to get your motorcycle back home or fix your bike. There is usually a maximum amount that your insurance company will pay for this.

Custom Parts & Equipment

If you have custom parts or special equipment on your motorcycle you can even take out extra insurance to make sure that you get a portion of the money back of the expensive motorcycle parts. Normally you can take out coverage up to a certain value based on the costs of the parts.

Medical Coverage

Offers insurance for any passenger or driver which is injured during an accident. If something serious does occur while on your bike your hospital bills will be covered up to a certain amount based on the amount of medical insurance you decide is best. A local insurance agent will give you options of what to choose from.

Uninsured or Underinsured Motorist Coverage

Vespa with helmet

This insurance protects you if a different driver who has limited insurance or no insurance hits you and causes damage to you or your motorcycle then you will be protected up to a certain amount. This type of insurance is always recommended and is reasonably priced. 

Comprehensive & collision

If your motorcycle is stolen or damaged in a car accident you will be able to restore your bike or get money to get a new one. You will just have to pay your deductible on your policy. This is the most expensive insurance coverage but offers the most protection.

motorcycle helmet

Ride Safe in Colorado Springs

Things you should always do to help prevent a motorcycle accident from happening in Colorado


  • Wear a helmet
  • Don’t drive in the snow
  • Wear protective biking gear, gloves, back protector, thick clothing.
  • Avoid driving at night
  • Always be aware of your surroundings

What Affects your motorcycle insurance price?

 Many factors affect your motorcycle insurance rate in Colorado Springs some of those factors are

  • Age
  • Driving History
  • Credit Score
  • Type of Motorcycle
  • Where you live

Discounts on Motorcycle Insurance 

  • Good Driving Record
  • Combining your home and motorcycle with the same company
  • Take safe driving/riding courses
  • Good credit score
  • Always contact your insurance company for the latest ways to save

Remember every insurance company offers different policies and variations of these insurance so to always be safe have a talk with your local insurance agent in Colorado Springs to get the latest on motorcycle insurance. 

Major Motorcycle Insurance Companies in Colorado Springs

  • State Farm
  • Geico
  • Farmers
  • Allstate
  • American Family
  • Progressive

A Local Insurance Agent In the Springs

Nick Fransioli State Farm Insurance

Address: 5750 Palmer Park Blvd,

Colorado Springs, CO 80915
Phone: 719-694-8915
Website: Colorado Springs Motorcycle Insurance


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