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est 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. Rank City Average 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. Rank City Average 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