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Motorcycle Insurance Minimum Requirements in Connecticut

Motorcycle Insurance in Connecticut

In order to register your motorcycle in Connecticut, you must have adequate motorcycle insurance coverage on your bike.

Although motorcycle insurance requirements in the state mirror the requirements of car insurance in Connecticut, slight differences do apply.

Connecticut Motorcycle Insurance Requirements

When you register your motorcycle, you must provide proof that you have adequate motorcycle liability insurance to help cover costs related to property damage or bodily injury that you cause to others in a crash.

Your motorcycle insurance policy must include the following minimum limits per accidents:

  • $25,000 for bodily injury per person.
  • $50,000 for total bodily injury if multiple people are hurt in the accident.
  • $25,000 for property damage.

Keep in mind that these are only the minimum limit requirements. Motorcycle insurance companies typically offer higher coverage limits for people who desire more protection.

Vehicles to Register

Not all two-wheeled motor vehicles need to be registered, and therefore do not require motorcycle insurance.

Connecticut defines a motorcycle (required to be registered) as a motor vehicle:

  • Without an enclosed driver’s seat.
  • With either 2 or 3 wheels.
  • With a motor that produces more than 2 brake horsepower.

Motorcycle insurance is available for these types of vehicles, which, in addition to standard motorcycles, can include:

  • Mopeds.
  • Scooters.
  • Dirt bikes.

Optional Motorcycle Insurance

As you get your motorcycle insurance quotes, you may notice that insurance providers offer more than just liability insurance.

When you are shopping, it is important to remember that liability motorcycle insurance will only cover damages and injuries that you cause to others. Your own injuries and damages to your bike will not be covered.

For your own protection from costly injuries or motorcycle damage, consider the following optional motorcycle insurance coverages:

  • Collision – This will help pay for damages to your bike after a traffic accident.
  • Comprehensive – This will help pay for damages to your motorcycle in cases that do not involve traffic accidents. Examples of such cases include animal collisions and vandalism.
  • Medical payments – This coverage will help pay for the costs of injuries you incur in an accident.
  • Towing and labor –This coverage can help with roadside assistance and towing for your motorcycle in case of a breakdown on the road.

Proof of CT Motorcycle Insurance

In Connecticut, you are required to show proof that you have insurance when you register your motorcycle.

You are also required to keep your proof of insurance with your motorcycle at all times.

Proof of insurance is provided to you by your motorcycle insurance company and typically comes in the form of an insurance identification card.

Your insurance ID card must contain the following information:

  • Your name (or the name of at least one person whose name is on the vehicle registration).
  • Your motorcycle insurance company’s name.
  • Your insurance policy number.
  • Your motorcycle’s:
    • Make.
    • Model.
    • Year.
  • The effective dates of your motorcycle insurance coverage.

Helmets & Motorcycle Insurance

Head injuries are widely considered the highest risk for motorcycle riders.

Connecticut strongly suggests that all riders wear helmets while operating a motorcycle. You can significantly reduce your risk of serious head injury by wearing a helmet each time you ride.

As an added bonus, your insurance company may give you an incentive for wearing a helmet via a discount on your motorcycle insurance rate. Insurance companies want to keep you safe because it means fewer claims they have to pay out.

Of course, safety should always be your first priority, so regardless of whether you get a discount, wearing a helmet when riding is always a smart idea.

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