Getting a Motorcycle License and Endorsement in Colorado

Colorado · An endorsement is not a motorcycle policy

Colorado riders usually add a motorcycle endorsement to a driver license. The car policy still does not cover a motorcycle you own. This page will not invent the test steps or a course discount.

The license and the insurance are different permissions. The endorsement is what the Division of Motor Vehicles puts on the license after you meet its rules. Those rules, including any knowledge test, skills test, or approved course, are on the state site. They are not printed here, because they change. Once you can legally ride, the bike still needs its own liability if it is a motor vehicle on a public road. Colorado’s floor is $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Your sedan’s policy lists the sedan. It does not imply the motorcycle.

Collision and comprehensive on the bike are optional unless a lender requires them. Collision is a crash. Comprehensive is theft, hail, vandalism, and many animal strikes. Gear is often outside the bike’s physical-damage limit. Medical payments coverage pays medical and funeral expense for you and your passengers without a fault fight. It is not liability, not health insurance, and not personal injury protection. Colorado is not a PIP state. Storing the bike for winter does not create a statewide discount. A riding course, if a carrier credits it, is that carrier’s rule. This page will not invent a motorcycle premium.

The policy: Colorado motorcycle insurance. What the car policy still is: auto options and liability. The license path, not the insurance: the driver test guide. Medical payments, which are not the floor: MedPay. Off season: winter hazards. Staying legal on four wheels does not list the bike: Colorado auto laws.

Get the endorsement from the state, then put the motorcycle on its own quote. Ask an agent or get a quote.