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Are these vehicles required to be insured?
NO. Colorado Revised Statute 42-4-1409 requires all motor vehicles and low-power scooters to have a complying policy or certificate of self-insurance in full force and effect. There is no requirement that electric assisted bicycles be insured.

Police - Electrical Assisted Bicycles

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1. Are riders of electrical assisted bicycles required to have a driver's license?
2. Are these vehicles required to be registered?
3. Are these vehicles required to be insured?
4. Are riders of these vehicles required to wear a helmet and eye protection?
5. Are riders of these vehicles required to abide by traffic laws?