If you own a motorcycle, getting motorcycle insurance can help keep you safe on the road and protect your bike from damage and theft. MoneyGeek conducted a detailed study analyzing average rates across several coverage levels to help you find the best motorcycle insurance in Connecticut. We used a unique ranking system that considers financial stability, affordability and products and services offered to help you find the best and cheapest motorcycle insurance companies in Connecticut. Take a look at the list of the best and most affordable providers to learn about average premiums and choose the best insurer for your requirements.
Motorcycle Insurance in Connecticut: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in Connecticut
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.
Cheapest Liability-Only Motorcycle Insurance Quotes in Connecticut
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.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in Connecticut
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.
Average Annual Premium for Comprehensive and Collision
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What Is the Average Motorcycle Insurance Cost in Connecticut?
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.
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in ConnecticutAverage 12-Month National CostVariance
- Full Coverage$349$364-$14
- Liability Only$151$141$10
The Best Motorcycle Insurance Companies in Connecticut
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:
- Insures high-risk riders
- Provides guest passenger coverage
- Wide array of discounts
- Not available in all states
- Full replacement cost coverage only for bikes less than three years old
- Not much information available on their website
In Connecticut, the top rank goes to Dairyland with a MoneyGeek score of 95.86 out of 100. The company scored highly across all categories. The average rate for a liability-only motorcycle insurance policy from Dairyland costs about $127 per year, while a full coverage policy costs $188 per year on average. Dairyland specializes in auto and motorcycle insurance and brings several unique coverage options to the table. Apart from covering a wide range of motorcycle models, Dairyland also provides insurance to high-risk riders that other companies might choose not to insure, including those with DUI convictions or repeated traffic violations. To this end, they also provide free SR-22 forms. Dairyland offers complete replacement cost coverage for motorcycles less than three years old and also covers the costs of a rental while your bike is in the shop. In addition to including roadside assistance, the insurer also offers special equipment coverage, coverage for replacement OEM parts and additional insurance for injuries sustained by passengers. There are several discounts available, including discounts for completing an approved rider safety course.
- Wide range of coverage options for different bike models
- Specialized insurance for nonstandard parts and personal belongings
- Several loyalty discounts and rewards programs
- No option to bundle with other insurance
- More expensive than the competition
- Several perks are reserved for Harley Owners Group members
Harley-Davidson is the runner-up in Connecticut with an impressive MoneyGeek score of 95.69. A liability-only policy from Harley-Davidson costs an average of $134 per year. A full-coverage policy costs $232 per year on average. Harley-Davidson boasts of a wide range of coverage options available for different makes and models of motorcycles. Customers with nonstandard modifications in their bikes can get optional equipment coverage for the nonstandard parts. While your motorcycle is being repaired under a covered claim, your policy will also cover the cost of rentals. The company has a wide array of discounts on offer, including those for customers adding more bikes to their policies and for those purchasing planned maintenance packages. You can include add-ons to cover damage to your bike key and engine and purchase additional insurance to cover theft or damage to personal belongings stored on the bike.
- Several extra coverage options
- Easy online process for getting quotes and purchasing policies
- Many incentives to reward good driver behavior
- Many perks and discounts not available to new policyholders
- Lags behind the competition in customer satisfaction
- Discounts are not available in all states
Progressive ranked third in Connecticut with a MoneyGeek score of 94.94. The average annual cost for a liability-only Progressive policy in the state is $115, while a full-coverage policy costs an average of $241 per year. Progressive offers several coverage options, discounts and add-ons for riders. A Progressive policy automatically covers both OEM parts and nonstandard parts. With every claim-free year, you can become eligible for a 25% reduction in your deductible. There are several extra coverage options, including better injury protection. In the event of death during a fatal accident, a Progressive policy would pay $25,000 to beneficiaries while also offering $250 weekly for two years if you face loss of work due to an injury in a covered event. For certain accidents, your policy also includes accident forgiveness so that low-value claims do not cause your premiums to spike.
How to Get a Motorcycle Insurance Quote in Connecticut
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)
How Much Motorcycle Insurance Coverage Do You Need in Connecticut?
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)
How Much Insurance Coverage Is Required in Connecticut?
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.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Connecticut?
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.
For most riders in Connecticut, MoneyGeek recommends a full coverage policy of at least 50/100/25 and preferably 100/300/100 because of the small incremental cost for a large increase in coverage. Since Connecticut also requires uninsured motorist coverage, we recommend that these limits match your liability limits.
Frequently Asked Questions About Motorcycle Insurance in Connecticut
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.
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