Ride Free. Ride Protected.
Whether you’re cruising the Front Range or winding through Colorado’s mountain roads, your motorcycle deserves protection that matches your passion. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock riders find motorcycle insurance that fits their bike, lifestyle, and budget — with coverage designed for the open road.
Riding in Colorado is freedom at its finest — but it also brings unique risks. Accidents, hail, wildlife crossings, and uninsured drivers can cause serious losses. Motorcycle insurance protects your bike, your finances, and your peace of mind every time you hit the road.
Colorado requires all riders to carry liability insurance, but at RMIA, we go further — ensuring you have the right mix of collision, comprehensive, and medical coverage tailored to how you ride.
Motorcyclists along the I-25 corridor and surrounding foothills face several local challenges:
Sudden Weather Changes: Hail, rain, and wind can appear quickly along the Front Range.
Wildlife Collisions: Deer and elk are common on scenic routes near Castle Pines, Larkspur, and Monument.
Tourist Traffic: Weekend mountain travel increases risk from distracted or inexperienced drivers.
Uninsured Drivers: Colorado ranks among states with higher uninsured motorist rates.
With RMIA, you’ll get local guidance on coverage that truly fits your riding habits and terrain.
A well-designed motorcycle policy includes multiple coverage types:
Liability Coverage: Covers injury or property damage you cause to others.
Collision Coverage: Pays for repairs or replacement if your motorcycle is damaged in an accident.
Comprehensive Coverage: Protects against theft, vandalism, hail, fire, or hitting an animal.
Uninsured/Underinsured Motorist: Covers injuries if you’re hit by a driver with insufficient coverage.
Medical Payments (MedPay): Helps pay medical costs for you and your passenger.
Custom Parts & Equipment: Covers accessories like chrome, saddlebags, or custom paint.
Roadside Assistance: 24/7 towing and emergency help.
Every rider and every bike is unique — we customize policies for:
Cruisers & Touring Bikes – Classic Harley and Honda Gold Wing riders needing high-value protection.
Sport & Performance Bikes – Faster bikes with greater repair costs and risk exposure.
Vintage & Collector Motorcycles – Agreed-value coverage for antique or limited-edition models.
Seasonal Riders – Flexible storage and lay-up policies for off-season months.
Multi-Bike Discounts – Savings for riders with more than one motorcycle or additional vehicles.
Local Experts Who Ride: We understand Colorado’s riding conditions — from Castle Rock to the Rockies.
Independent Advantage: We compare multiple carriers like Progressive, Safeco, and Dairyland to find your best rate and protection.
Claims Support You Can Count On: If something happens, we’ll walk you through every step — from filing to payout.
Bundle Savings: Combine your motorcycle with home, auto, or umbrella coverage for additional discounts.
Yes. Colorado requires minimum liability limits of $25,000 per person and $50,000 per accident for injuries, plus $15,000 for property damage. RMIA recommends higher limits for better protection.
Yes — comprehensive coverage protects against hail, fire, vandalism, and theft. It’s especially important in Douglas County’s hail-prone climate.
Standard policies include limited coverage (usually $3,000). We can increase that limit to fully protect upgrades like chrome kits, fairings, or saddlebags.
Yes. Some carriers offer seasonal or lay-up options that keep theft and comprehensive coverage active while reducing costs.
Medical Payments (MedPay) or guest passenger liability covers passengers. We’ll make sure your policy includes proper protection for everyone on board.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Whether it’s your daily commute or your weekend escape, RMIA helps you hit the road with confidence — and the coverage to match.
