Connecticut Motorcycle and ATV Insurance
You could be riding I-95 or the trails in Thomaston Dam, but the feeling never changes. We know the wind against your face and the purr of your engine is what makes you happy. We get it. That's why NJM is committed to protecting you and your ride. We've partnered with American Modern, a nationwide provider of specialty insurance, so you can make sure your motorcycle, ATV, or golf cart is covered.
Connecticut Motorcycle Insurance Requirements
In Connecticut, motorcycle insurance, just like car insurance, is required to drive on public roads. The Connecticut Department of Motor Vehicles requires that all two- or three-wheeled motor vehicles with more than 2 brake horsepower and an unenclosed driver's seat, be registered and insured. CT requires motorcycle owners to have the following minimum coverages, although you are certainly able to increase the limits to suit your needs:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
With American Modern, you can choose from one of three types of coverage: full coverage, liability plus comprehensive, or liability only. Liability only coverage insures you for Connecticut minimum liability requirements. Liability plus comprehensive includes protection for theft or damage to your bike due to fire or weather. Full coverage includes all of this plus collision coverage in the instance you are involved in an accident. In addition, American Modern offers various coverage options for your accessories.
How Much Does Motorcycle Insurance Cost?
Insurance costs for your motorcycle or ATV, just like those for your home or car, are dependent upon several factors. Your location, your age, and your vehicle all contribute to your premium. The level of coverage you choose will also affect the cost. Luckily, the average cost of motorcycle insurance in the Constitution State falls below the national average. With American Modern, you might also be eligible for discounts, such as a homeownership discount and a multi-bike discount.
What You Operate, We Insure
- All-terrain vehicle
- Dirt bike
- Golf cart
- Low speed vehicle
Whether you're purchasing a bike to save money on gas or as an addition to your collection, following the necessary safety precautions is of the utmost importance. Just like becoming a skilled driver, it takes time, patience, and practice to become a skilled motorcyclist. NJM recommends taking a rider course to become confident in your abilities to control your bike, whether you're maneuvering through traffic on I-84 or through the hills of the Pachaug State Forest.
It's highly advised to wear the proper riding gear when traveling to protect yourself and others. Safe driving discounts may be available to thank you for taking care on the road!