Connecticut motorcycle insurance

Thanks to the Nutmeg state’s stunning and diverse scenery, motorcycle enthusiasts in Connecticut have a variety of fun rides to choose from. Progressive can help you enjoy your motorcycle adventures with protection and peace of mind. Find out the requirements, coverages, and discounts for motorcycle insurance in Connecticut.

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What are the minimum requirements for motorcycle insurance in Connecticut?

Connecticut riders are required to carry motorcycle liability coverage for bodily injury and property damage. If the minimum amount of liability coverage isn’t enough to cover your assets, you may increase your coverage limits for more protection. Connecticut also mandates uninsured/underinsured motorist bodily injury coverage, which can pay for your medical expenses if you’re involved in an accident with someone who is liable for your injuries, but they’re uninsured or underinsured.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamages you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries to you caused by a motorist with no insurance or not enough coverage	Minimum amount$25,000 per person $50,000 per accident

Medical payments coverage is optional in Connecticut and can pay for your injuries sustained in a bike accident, regardless of who’s at fault. Find out more about how motorcycle insurance may cover medical bills.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are typically mandated by your lender if you lease or finance your bike. Even if your motorcycle is paid off, coverage against physical damage can be crucial, especially if you’ve invested in your motorcycle. Comprehensive covers incidents out of your control, including motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your bike if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Connecticut?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Connecticut with liability coverage only was $186.83.^* Many components affect your price for motorcycle insurance, such as your type of bike, age, driving history, location, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Earn a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Connecticut?

One in three insured motorcycle riders choose Progressive for reliable and customized coverage at an affordable cost.^** From New Haven to New Britain, get cheap motorcycle insurance in Connecticut without sacrificing valuable protection for you and your bike.

Whether you reside in Bridgeport, Stamford, or any other city in the Nutmeg state, we can help you lower the cost of a motorcycle insurance policy in Connecticut with motorcycle insurance discounts, such as:

Multi-policy discount
Responsible driver discount
Anti-lock brakes discount
Paid in full discount
Advanced quote discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Connecticut

For additional protection, these optional coverages can be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: May pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels, up to your coverage limit
Medical payments: Pays for injuries you or your passenger suffer, regardless of fault
Total loss coverage: Can pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: May pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Fast facts for Connecticut riders

In order to operate a motorcycle on certain public highways in Connecticut, you need an “M” endorsement.
The Connecticut Rider Education Program (CONREP) for Motorcycle Safety promotes safety through education.
Connecticut motorcycle endorsements with the “3” restriction limits you to only operating a three-wheel motorcycle, also known as a “trike.”