Motorcycle Insurance in Connecticut: The Cheapest Quotes and Best Companies

Usually, the cheapest motorcycle insurance in Connecticut is a policy that meets the state minimum liability coverage limits. However, the best option for you might not always be the most inexpensive one. While a minimum coverage policy in Connecticut will have low costs, it includes only bodily injury and property damage liability insurance. Choosing motorcycle insurance in Connecticut that includes comprehensive and collision coverage can be a more sensible option for most riders as it provides superior protection and higher liability limits. MoneyGeek used rates for a good rider in Connecticut with 50/100/25 liability-only coverage for this study.

Based on average rates, the cheapest motorcycle insurance companies in Connecticut for a good biker with liability-only insurance are:

• Nationwide: $113 per year
• Progressive: $115 per year

The most expensive insurance provider in the state is Markel, according to the data gathered by MoneyGeek. The average cost of a similar policy from Markel costs an average of $261, about 56.7% more expensive than Nationwide.

Riders looking for more protection can purchase a full coverage policy that includes comprehensive and collision coverage. This protects you against damage caused by collisions with other vehicles or structures. It also pays for damages or the loss of your motorcycle due to non-collision events like theft, vandalism or fire.

According to MoneyGeek’s data, the cheapest motorcycle insurance companies in Connecticut for a good biker with a full coverage policy, a $500 deductible and 50/100/25 coverage are:

• Dairyland: $188 per year
• Harley-Davidson: $232 per year

The most expensive provider for a full coverage policy is Nationwide, with an annual average rate of $521, which is 63.9% more expensive than Dairyland.

Riders making payments on their bikes are likely to require full coverage policies.

The average cost of motorcycle insurance in Connecticut depends on several factors, including coverage amount, riding record, age, motorcycle model and years of riding experience. MoneyGeek compared average motorcycle insurance rates from insurance providers in Connecticut for several different rider profiles.

For a full coverage policy, the average cost of motorcycle insurance in Connecticut is $349 per year or about $29 per month, $14 cheaper than the national average.

For a liability-only policy, the average cost in Connecticut is about $151 per year or $13 per month, $10 higher than the nationwide average rate. This does not cover your motorcycle or your injuries if you are at fault.

For this study, the prices indicated are based on the average rates for a policy with $50,000/$100,000 of bodily injury liability coverage, $25,000 in property damage liability coverage and a $500 deductible.

MoneyGeek ranked the insurance companies in Connecticut to find the best motorcycle insurance in the state that provides the perfect balance of quality and costs. We used our unique scoring system to arrive at the rankings, considering factors like affordability, financial stability and product and service options. According to this study, the highest-scoring insurer in Connecticut is Dairyland.

According to MoneyGeek, the best motorcycle insurance companies in Connecticut are:

Getting a quote for motorcycle insurance in Connecticut can be fairly easy, with most insurers supporting online quotes. While you shop around for the best deals, it is important to keep a few details handy for quickly getting quotes. These can include:

• Your date of birth
• Riding history
• Address and ZIP code
• Make, model and year of purchase
• Insurance coverage elections (see below for more information)

According to state law, motorcycle insurance in Connecticut is mandatory, with all riders needing at least a policy with minimum liability coverage. In Connecticut, the state minimum coverage requirements include:

• $25,000 per-person bodily injury liability (BI)
• $50,000 per-accident bodily injury liability
• $25,000 property damage liability (PD)
• Uninsured motorist coverage (UM)
• Underinsured motorist coverage (UIM)

In Connecticut, there is a 25/50/25 minimum liability-only coverage requirement for all vehicles. This means that, for your motorcycle insurance in Connecticut, there needs to be a liability limit of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $25,000 for property damage liability coverage. If you are at fault in an accident, these are the coverage limits your carrier will cover.

In Connecticut, state law makes it mandatory for riders to have both uninsured motorist and underinsured motorist coverage. This is on top of the compulsory bodily injury and property damage coverage. PIP coverage, however, is not required.

You need to consider various factors before zeroing in on the best motorcycle insurance in Connecticut for your needs. Here are some of the most frequently asked questions about motorcycle insurance in Connecticut.

MoneyGeeks collected motorcycle insurance quotes directly from insurance providers based on varying coverage amounts and driver profiles to help our users determine which is the least expensive provider in Connecticut. The best motorcycle insurance companies in Connecticut were determined using three factors, including policy cost in Connecticut (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). The most recent license laws and insurance coverage requirements in Connecticut were gathered from the state DMVs to ensure accurate and up-to-date information.