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Connecticut Motorcycle Insurance Requirements

Connecticut Motorcycle Insurance Requirements

Connecticut is located in the northeastern region of the United States. It is engulfed by Rhode Island, New York, and Massachusetts in this New England region. The state was named after the Connecticut River which flows through the middle of the state. It was adapted from the Algonquian word “quinetucket” which translates to “long tidal river.” This state has a number of nicknames including: “The Land of Steady Habits,” “The Nutmeg State,” as well as “The Constitution State” because it helped influence the development of the United States federal government. It is known for being a state with some of the wealthiest citizens in the United States; it features among the highest median household incomes.

If you own a motorcycle and would like to drive it through the state of Connecticut, you should be aware of the legal requirements that must be met. Each state has a different set of requirements for liability insurance coverage. Once you know the amount of insurance you are required to purchase, you can shop around for a policy. Most providers will be able to assist you in making sure that you have a sufficient amount of insurance to operate your motorcycle.

Connecticut Motorcycle Insurance Requirements

Before you decide to take your motorcycle for a spin on Connecticut roads, you need to make sure that it is properly insured. In this state, you need to follow all regulations issued by the state. You always need to have some sort of proof that you are financially responsible – this shows that you will be able to cover any damages that you may cause in the event of an accident.

How to Establish Financial Responsibility in Connecticut

The easiest way to show that you are financially responsible is to purchase an insurance policy. Insurers in the state of Connecticut will be able to show you the amount of coverage that is legally required. As long as you purchase coverage that meets legal requirements, you can drive your motorcycle throughout the state.

  • Purchase a liability insurance policy – Being a motorcyclist can be an enjoyable experience for many. If you want to keep yourself protected and ride your bike legally, you need to buy some liability insurance.

Motorcycles / Two-Wheeled Vehicles Defined

Below are various definitions of two-wheeled vehicles in the state of Connecticut. If you are unsure about the classification of your two-wheeler, you can contact the state CT DMV. The telephone number for Hartford area is: (860)-263-5700. If you live anywhere else in the state, call: (800)-842-8222. They have experts that are trained to help you classify your vehicle and tell you what regulations must be followed.

Motorcycle: A vehicle with a saddle or seat on which the rider sits or with a standing platform that has NOT more than 3 wheels in contact with the ground. These are considered bicycles with motors attached – but are not the same as mopeds.

Moped: These are considered bikes with helper motors. By definition, these are vehicles that are foot-propelled or hand-powered with automatic transmissions. In addition, the motor capacity must not exceed a displacement of 50 cc. These must not be rated greater than 2-brake horsepower and maximum speed must not exceed 30 mph. Note: These may not be driven on sidewalks.

Motor Scooter: By state law, any motor scooter with an engine displacement of 50 cc or greater is considered a motorcycle. This means that you are subject to the same laws as motorcycle drivers and owners. Certain mopeds are not required to be registered, but you will still need a driver’s license to ride them on a road.

Connecticut Motorcycle Insurance Minimum Requirements

In the state of Connecticut, you are required by law to purchase some sort of liability insurance for your motorcycle. If you ever get into an accident and end up damaging another person’s vehicle, property, or if you were to injure other people, you need to compensate them. Having adequate insurance allows all individuals affected by your accident to get financially compensated for any losses.

  • $20,000 bodily injury per person

  • $40,000 bodily injury per accident

  • $10,000 property damage per accident

Uninsured Motorist:

  • $20,000 per person

  • $40,000 per accident

The state of Connecticut requires at least a: “20/40/10” policy. Each of these units are in thousands of dollars and represent a different aspect of required coverage. In addition to the first three numbers, you are also required to have uninsured motorist insurance. This is in case you are hit by a motorist that lacks insurance to pay for damages. The required amounts for uninsured motorists are $20,000 for bodily injury that they may cause per person, and $40,000 for bodily injury per accident. If these limits don’t satisfy you as a driver, you can work with an insurance company to increase your coverage.

Helmet Requirements in CT

If you are under the age of 18, you are required to wear a helmet in the state of Connecticut. If you hold an instructional permit, you are also required to wear a helmet regardless of your age. All individuals older than the age of 18 can decide for themselves as to whether they would like to wear a helmet. Remember to keep in mind that if you wear a helmet, your insurer may give you an additional discount for increasing your personal safety.

Proof of Insurance

Once you purchase an insurance policy for your motorcycle, your insurance company should issue an insurance identification card. You need to keep this card with you at all times when driving your bike. This card states your policy number, insurance contact numbers, and more information to help you in the event that you’re involved in an accident. If you are pulled over by a police officer, they may ask to see proof of coverage – in this case you need to show them your ID card.

Penalty for Lack of Insurance

If you drive your motorcycle without insurance and get caught, there are going to be consequences. You may end up with a suspended driver’s license and/or get smacked with a hefty fine. Although it may be tempting to drive without insurance, it is illegal. Although no one expects to get into an accident, they do happen. It is better to have yourself and your bike fully insured before you drive it through the state of Connecticut.

  • Suspension of License – Depending on how many times you’ve been caught without insurance, the suspension time will vary. The more offenses, the more severe the suspension.
  • Possible Fines – You may get hammered with a hefty fine if you lack insurance. If you get into an accident without insurance, you will have to pay for all damages out of your own pocket.

Your best bet is to make sure that you at least meet the minimum Connecticut insurance requirements before driving. If you have questions regarding insurance, be sure to contact (860)-263-5725 – this is the branch of the Connecticut DMV that will help you figure things out.

Connecticut Motorcycle Insurance Companies

In order to make sure that you get a policy that meets legal requirements in CT, you need to compare some insurance companies. To find a list of top providers in the state of Connecticut, simply enter your Zip Code in the form below (or at the top of the page). Once you have seen a list of the top insurers in your area, collect some quotes and see which company offers you the best overall deal. Look at whether the company you are considering for your coverage meets legal requirements and make sure you are getting the policy that you want for an affordable price. Insurance companies want your business, so take your time to find a provider that best fits your motorcycle and lifestyle.

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