Connecticut motorcycle insurance

You understand the importance of preparation—after all, you always perform a quick visual check of your motorcycle before you head out on the road. Before you explore the roads of Connecticut, prepare yourself by purchasing a motorcycle insurance policy that can help protect you and your passengers in the Constitution State.

What’s required of all motorcycle riders in Connecticut?

The Connecticut Insurance Department has established the following requirements:

Passengers: Motorcycle permit holders cannot operate a motorcycle with a passenger. For operators with full motorcycle endorsements, the following timelines apply:
- Riders aged 16 and 17 years can transport passengers six months after receiving their endorsement.
- Riders 18 years or older can transport passengers three months after receiving their endorsement.
Helmets: Required for riders and passengers aged 18 and under, as well as anyone operating a motorcycle with a learner’s permit, regardless of age.
Eye protection: Required for riders and passengers of all ages.
Mirrors: Your motorcycle must have at least one mirror.
Turn signals: Motorcycles aren’t required to have installed turn signals, but riders must use hand signals if their bikes lack them.
Passenger seats: Bikes must have permanent passenger seats in order to carry passengers.
Headlights: Headlights are required for all motorcycles.
Muffler: Mufflers are required on all motorcycles.

What are the motorcycle insurance requirements in Connecticut?

The minimum motorcycle insurance coverage amounts in Connecticut are:

$25,000 for bodily injury liability or death of one person
$50,000 for bodily injury liability or death of two or more people
$25,000 for property damage liability

You’re also required to carry uninsured motorist and underinsured motorist coverages in Connecticut. These coverages can help protect you if you’re involved in an accident with someone who doesn’t have enough—or any—auto or motorcycle insurance.

Keep in mind, you can insure your bike for a higher amount than the minimum. This can help you avoid paying out-of-pocket for additional costs. If you’re unsure which motorcycle insurance coverages are right for you, we can help. Give us a call at 800-334-0090.

Are optional motorcycle insurance coverages available in Connecticut?

Yes—insurance providers in Connecticut give you the ability to customize your motorcycle insurance policy. To help protect you and your bike against losses above and beyond the required coverages, consider adding the following to your policy:

Collision coverage

If you tip your bike or accidentally hit a wall, a car, or the road, your liability coverage may not cover the costs. Collision coverage offers extra protection in cases like these.

Comprehensive coverage

When something beyond your control occurs—like hitting an animal, or even someone vandalizing your bike—you can help save yourself extra costs with comprehensive coverage.

Medical payments coverage

Medical payments coverage helps cover the costs of medical bills for both you and your passengers if you’re involved in an accident.

Roadside assistance

Needing to have your motorcycle towed is, at best, inconvenient. But it doesn’t need to be expensive. Roadside assistance coverage can help cover the costs associated with towing your bike to a body shop.

Motorcycle insurance discounts available in Connecticut

We offer a range of motorcycle insurance discounts to help you save money on our already competitively priced motorcycle insurance. The following discounts are available to Connecticut riders—several of them could apply to you:

Operator safety course
Transfer
Homeownership
Multi-vehicle discount
Harley Owners Group (H.O.G.) member
Loyalty
Rider group

Sites to see in Connecticut

Mystic Seaport Museum

The Mystic Seaport Museum is the largest maritime museum in the country. With its array of historical artifacts, woodworking displays, and arts and craft exhibits, this museum is the perfect mid-ride opportunity to learn about the region.

Bigelow Hollow State Park

Located in central Connecticut, Bigelow Hollow State Park features 516 acres of hiking trails, recreation areas, and a gorgeous and pristine lake where you can cool off after a long ride.

Silver Sands State Park

True to its name, Silver Sands State Park features 297 acres of glorious seaside sites. This includes sand dunes, a 14-acre bird sanctuary, a restored salt marsh, and ocean beaches. Don't miss out on visiting the trails—the birds you see (or hear) along the way make this one of the state’s most inviting parks.

Get insured and ride on.

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