Motorcycle Insurance for Connecticut
Connecticut motorcycle insurance for riders who know the roads.
From Route 169 through the Quiet Corner to US 7 along the Housatonic River, Roamly works with carriers who understand how Connecticut riders actually ride.
Connecticut at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage) since January 1, 2018. Uninsured/underinsured motorist coverage of at least 25/50 is also required. |
Helmet law | Required for operators and passengers under 21 (up from under 18 on October 1, 2025), and for anyone on a learner's permit. Operators need goggles, glasses, or a face shield unless the bike has a compliant windshield. |
Lane splitting | Illegal. Connecticut law bars riding between lanes of traffic, and the 2025 bill to allow it died in committee. |
Registration | No periodic safety inspection, and motorcycles are exempt from emissions testing. As of September 2026, motorcycle registration is $63 for three years, plus plate, title, and other DMV fees. |
Requirements and regulations may change. Verify with the Connecticut Insurance Department and the Connecticut Department of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Connecticut
Connecticut raised its helmet age to 21 in 2025, requires uninsured/underinsured motorist coverage, and doesn't use SR-22 filings at all. Here's what actually shapes your policy.
Connecticut's 25/50/25 Minimum
Since January 1, 2018, the state has required $25k/$50k bodily injury and $25k property damage. You also need at least 25/50 of uninsured/underinsured motorist coverage — and the UM/UIM on a car policy can exclude you while you're riding a motorcycle you own, so the bike needs its own. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Sportster S with the new pipes and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come up from New York and over from Rhode Island for the Litchfield Hills and the shoreline. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
Connecticut stopped using SR-22 filings in 2004 and checks insurance electronically instead. If another state's SR-22 requirement follows you here, you'll usually need to keep it active until it ends. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like on a back road in the Litchfield Hills, a long way from the next shop. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — and in Connecticut, riders under 21 now have to wear the helmet. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
Connecticut's riding season is short, and plenty of bikes sit through the winter. Route 169, the Litchfield Hills, and the Route 146 shoreline run draw riders from across the Northeast, and listing your bike on Twisted Road or Riders Share can help it earn its keep between your own rides. Many personal policies exclude rental use, though — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Connecticut Actually Requires
Connecticut mandates 25/50/25 liability coverage plus uninsured/underinsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $25k for property damage, plus at least 25/50 of uninsured/underinsured motorist coverage. Connecticut is an at-fault state with no PIP, so medical payments coverage is worth a look. Riders under 21 and learner's permit holders need a helmet, and every operator needs eye protection unless the windshield qualifies. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Connecticut law references current as of September 2026 — confirm current requirements with the Connecticut Insurance Department and the Connecticut Department of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Connecticut requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident is also required. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Connecticut Insurance Department.
If you're under 21, yes. Since October 1, 2025, operators and passengers under 21 must wear a helmet that meets the federal DOT standard, and learner's permit holders of any age must wear one too. Every operator also needs goggles, glasses, or a face shield unless the bike has a compliant windshield.
It depends on your bike, riding history, where you live, and the coverage you pick. Your uninsured/underinsured motorist limits, and whether you add collision, comprehensive, or medical payments, will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured/underinsured motorist coverage is what Connecticut requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
Connecticut doesn't use SR-22 filings — a 2004 law eliminated them, and the DMV now tracks insurance electronically. If a suspension in another state left you with an SR-22 requirement, you'll usually need to keep it active until that state's obligation ends. Roamly works with carriers that file SR-22s and can help you keep it in place. Coverage terms, conditions, and availability vary by state and policy.
It can. Connecticut allows insurers to use credit history, but they can't count things like the number of credit inquiries, medical collections, or disputed items against you, and a lack of credit history has to be treated as neutral. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Not without dealing with the plates first. The DMV tracks insurance electronically, and if coverage on a registered bike lapses for more than 14 days, you'll get a suspension notice and a $200 fine, as of September 2026. Before you cancel, turn your plates in to the DMV (you can ask for them to be placed on hold) or ask your insurer about a storage option instead of a full cancellation — we can help you sort out the right move.
Still have questions?
Call us at 877.725.1245
Connecticut Motorcycle Insurance Quotes
Connecticut motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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