Who Has The Cheapest Motorcycle Insurance Quotes In Colorado?

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Colorado is a state known for its landscapes and infinite list of outdoor activities there. A large part of the state is mountainous but much of the landscape is more tame, giving motorcycle riders a variety of geography to explore. To see which motorcycle riders have the best insurance rates, we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was more than 40% the cost of the cheapest in Colorado. 

  • Cheapest Motorcycle Insurance Companies
  • Best Motorcycle Insurance Rates: By City
  • Average Cost of Motorcycle Insurance: By City
  • Study Methodology

Cheapest Motorcycle Insurance In Colorado

Our study of quotes rates in Colorado using a sample policy and rider found Nationwide insurance had the lowest motorcycle insurance premiums. The carrier's premiums were 50% more affordable than the Colorado average.

A study by ValuePenguin found Nationwide had the best motorcycle insurance rates in Colorado out of the four carriers with available data.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

The second cheapest motorcycle insurance company for our sample policy and rider in Colorado was GEICO, which had an average quote of $433. Dairyland and Progressive both had motorcycle insurance rates that were more expensive than the company average in Colorado. Quotes for the sample policy by Progressive were more than 3x those by Nationwide.

Best Motorcycle Insurance Rates In Colorado: By City

The five places in Colorado with the best motorcycle insurance premiums were scattered throughout the state, although more than one was in or nearby the state’s Front Range Urban Corridor. The place with the most affordable rates was Delta, where premiums were 11.8% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Delta $471 -11.8%
2 Pueblo 477 -10.7%
3 Fort Lupton 477 -10.7%
4 La Junta 478 -10.4%
5 Trinidad 482 -9.7%
*The Average Annual Rate is rounded to the nearest whole dollar amount.

Delta, CO

The place with the cheapest motorcycle insurance rates in Colorado was Delta, a municipality in the western part of the state with about 8,800 residents. It was established as a trading post in the early 19th century and has a steady stream of tourists. It’s also serviced by a regional airport. Quotes for our sample policy were 11.8% lower than the Colorado average.

Pueblo, CO

About 43 miles south of Colorado Springs is Pueblo, one of the state’s largest cities with more than 108,000 residents. It is considered part of the Front Range Urban Corridor and located at the confluence of the Arkansas River and Fountain Creek. Pueblo is called the “Steel City” because it is one of the biggest steel-producing municipalities in the U.S. It also has some of the best motorcycle insurance rates in the state. Premiums for the study sample policy were 10.7% lower than the state average.

Fort Lupton, CO

Fort Lupton is in northeast Colorado and has about 6,700 residents. The city is known for its historic commercial and residential buildings, as well as its main street. For the city’s size, it has an impressive recreation center that includes a 4,060-foot, zero-depth-entry pool, basketball courts, a rock climbing wall and other amenities. Motorcycle rates in  were 10.7% lower than the state average.

La Junta, CO

The municipality of La Junta is in the southeast corner of Colorado and home to more than 7,000 residents. Among other things, the place is known for being the filming location for two movies in particular: Badlands (1973), starring Martin Sheen and Sissy Spacek, and Mr. Majestyk (1974), starring Charles Bronson. La Junta also has the fourth lowest motorcycle insurance rates in Colorado -- costs were 10.4% lower than the state average.

Trinidad, CO

Near the border of New Mexico, Trinidad has more than 9,000 residents and is in an area that was settled in the mid-19th century. The city was dubbed the "Sex Change Capital of the World,” after a local doctor gained a reputation for openly operating one of the first practices that performed sex reassignment surgeries in the 20th century. Motorcycle insurance rates in Trinidad were 9.7% lower than the state average.

Most Expensive Motorcycle Insurance in Colorado

The five places with the most expensive motorcycle insurance rates in Colorado included and were nearby Denver. The only exception was Steamboat Springs, which is a resort town in the northwest corner of the state. The place with the least affordable premiums was Castle Pines, where rates were 24% higher than the Colorado average.

RankCityAverage Annual Rate% Difference vs State Average
1 Castle Pines $662 24.0%
2 Greenwood Village 631 18.1%
3 Denver 622 16.5%
4 Lakewood 614 15.0%
5 Steamboat Springs 584 9.3%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Castle Pines, CO

The place in Colorado with the most expensive motorcycle insurance rates was Castle Pines North, a statutory city just south of Denver. It’s home to about 10,300 residents and was the first new city in Douglas County since 1995. Castle Pines is known for its suburban neighborhoods and golf courses. Our data found rates in Castle Pines to be the least affordable in the state. Quotes for our sample policy were 24% higher than the Colorado average. 

Greenwood Village, CO

Greenwood Village is a Home Rule Municipality just east of Denver. It was developed in the 1860s and, today, has more than 15,000 residents. It is home to the Denver Technology Center and is the headquarters of a number of businesses, including the casual restaurant chain Red Robin. Premiums in our study for Greenwood were 18.1% higher than the Colorado average. 

Denver, CO

Denver is the capital and the most populous city in Colorado. It has been an important place in history, all the way back to the Old West era in America. The Mile-High City, as it is known, is home to more than 682,000 residents and is at the center of a metropolitan area with more than 2.8 million people. Motorcycle insurance rates in Denver were 16.5% higher than the state average, which placed it with the third highest rates.

Lakewood, CO

Another Home Rule Municipality, Lakewood is home to about 150,000 residents, making it the fifth most populous city in Colorado. Development of the community began in the late 19th century and had little municipal government until 1969. It remains inhabited by many who commute to Denver and other surrounding areas. Motorcycle insurance rates in Lakewood were 15% higher than the Colorado average.

Steamboat Springs, CO

Steamboat Springs is small city in northwest Colorado known for its skiing and the local Steamboat Ski Resort. It has a mix of old architecture and the new developments nearby or affiliated with the resorts. Motorcycle insurance rates in Steamboat Springs were some of the most expensive in the U.S. Quotes for our sample policy were 9.3% higher than the state average.

Average Motorcycle Insurance Rates In Colorado: By City

This comparative study of motorcycle insurance premiums in Colorado was done by gathering and analyzing quotes from four major carriers across 56 cities. Our analysis showed premiums quoted for the most expensive place were more than 40% higher than the cheapest.

A ValuePenguin study using a sample policy and rider found the average cost motorcycle insurance in Colorado was $534.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 56 municipalities and census-designated places in the state of Colorado. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
9 Alamosa $493 -7.7%
25 Arvada 522 -2.3%
13 Aspen 498 -6.7%
46 Aurora 575 7.7%
7 Avon 490 -8.2%
29 Boulder 532 -0.5%
18 Brighton 508 -4.9%
39 Broomfield 560 4.9%
56 Castle Pines 662 24.0%
33 Castle Rock 534 0.0%
47 Centennial 575 7.7%
Colorado Average 534 0.0%
36 Colorado Springs 545 2.1%
48 Commerce 575 7.7%
16 Cortez 504 -5.7%
12 Craig 496 -7.2%
1 Delta 471 -11.8%
54 Denver 622 16.5%
15 Durango 504 -5.7%
40 Eagle 560 4.9%
43 Englewood 565 5.7%
22 Erie 514 -3.7%
44 Evans 568 6.3%
6 Firestone 485 -9.1%
19 Fort Collins 508 -4.8%
3 Fort Lupton 477 -10.7%
32 Fountain 533 -0.2%
50 Frederick 578 8.2%
11 Fruita 494 -7.5%
28 Glenwood Springs 528 -1.1%
38 Golden 554 3.7%
10 Grand Junction 494 -7.5%
8 Greeley 492 -7.9%
55 Greenwood Village 631 18.1%
41 Gypsum 561 5.1%
4 La Junta 478 -10.4%
34 Lafayette 536 0.3%
53 Lakewood 614 15.0%
23 Lamar 515 -3.5%
49 Littleton 575 7.7%
35 Lone Tree 540 1.1%
30 Longmont 532 -0.5%
31 Louisville 532 -0.5%
14 Loveland 499 -6.6%
17 Montrose 504 -5.6%
37 Northglenn 551 3.2%
24 Parker 516 -3.4%
2 Pueblo 477 -10.7%
20 Rifle 508 -4.8%
52 Steamboat Springs 584 9.3%
27 Superior 525 -1.7%
51 Thornton 582 9.0%
5 Trinidad 482 -9.7%
45 Westminster 570 6.8%
42 Wheat Ridge 562 5.2%
26 Windsor 522 -2.2%
21 Woodland Park 513 -3.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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