Who Has The Cheapest Motorcycle Insurance Quotes In Connecticut?

Who Has The Cheapest Motorcycle Insurance Quotes In Connecticut?

The average price for motorcycle insurance in Connecticut is $658 per year for full coverage, a ValuePenguin study found. We identified Nationwide as the state's cheapest option for motorcycle insurance, with an average annual rate of $479.

Compare Motorcycle Insurance Quotes in Connecticut

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Motorcycle insurance is required in Connecticut, but it's important for more than that. It can protect you as a rider and protect a bike you've spent hard-earned money on. To help you find the top insurer to match your needs, we gathered and analyzed 125 quotes from across the state.

Best motorcycle insurance for most people: Nationwide

Nationwide offers the most affordable rates in Connecticut with a good set of coverage options.
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For most riders, Connecticut's best option for motorcycle insurance is Nationwide, mostly for its sheer affordability. The company's coverage is 22% cheaper than the next-best option, and there are a large number of available discounts.

  • Bundling discount
  • Homeowners discount
  • Safety course discount
  • Responsible driver discount
  • Discount for switching from another company
  • Recovery device discount
  • Anti-lock brakes discount
  • Riding group discount
  • Paid in full discount
  • Automatic payments discount

Nationwide's average annual rate is $479 per month for full coverage, which is $136 cheaper than Progressive's rate.

Nationwide does not offer the most robust list of coverages but does have several key options that can benefit a rider.

  • Original equipment manufacturer (OEM) parts: This coverage ensures your bike will be repaired with parts from the original manufacturer or parts at the same price point if original parts are not available.
  • Roadside assistance: This coverage can be upgraded to cover trip interruption if a rider is more than 100 miles from home.
  • Custom equipment: You'll get $3,000 of coverage for aftermarket parts and equipment with comprehensive insurance, and you can raise that limit to $30,000.

Nationwide has a lower rate of complaints than Progressive and Dairyland in Connecticut according to the National Association of Insurance Commissioners (NAIC). That rate is 11% lower than expected for a company the size of Nationwide.

Best customer service: Allstate

Allstate boasts an impressive customer service record in Connecticut with a notable edge on top competitors.
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If strong customer service is a big factor for you, Allstate is a top option when it comes to responding to the needs of policyholders. The company receives fewer complaints than other top competitors in the state and has a strong reputation nationally.

Allstate's rating in the NAIC complaint index is 0.63, which means it received 37% fewer complaints than would be expected for a company its size. This suggests customers are more pleased with their experience than customers of other companies, often in stressful situations after an accident.

The company pairs that strong service with a strong set of coverage options that includes trailer and accessories coverage, rental reimbursement after an accident, trip interruption coverage and full replacement cost coverage. Allstate customers can also get discounts for having multiple bikes, taking a safety course or installing an anti-theft device.

For this level of service, Allstate doesn't charge particularly high rates. With an average price of $622 per year for full coverage, Allstate is still cheaper than average and notably less expensive than Dairyland and Markel.

Best for touring: Markel

Markel specializes in motorcycles and has a suite of options for riders looking to make a long haul.
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Markel has some offerings you won't find with most other companies: trailer coverage and breakdown coverage. Combine those options with more commonly available add-ons such as rental reimbursement and roadside assistance, and you'll be in a good position for a long ride with less worry.

Access to those coverages will cost you, however. Markel's rate is the highest we found in Connecticut. The average price of a full coverage policy from Markel is $834 per year.

Riders also cannot bundle that with an auto policy to get a discount because Markel does not cover cars and trucks. As a specialty insurer, it will cover other vehicles like boats, all-terrain vehicles (ATVs) and motor homes and offers multibike discounts.

Best-rated Connecticut motorcycle insurers

In Connecticut, Allstate leads the way in terms of top customer service ratings, which are a key indicator of how you will be helped in difficult moments.

Insurer
NAIC complaint index
AM Best rating
Allstate0.63A+
Nationwide0.88A+
Progressive0.89A+
USAA0.98A++
Dairyland Insurance2.69A+
Markel Corp.*0.00A

*Markel received no complaints in 2020 but has a small market share.

The NAIC combines car and motorcycle insurance into a single industry category. This means the scores are based on each company's combined premiums for motorcycles and cars.

High-quality customer service matters as part of your experience with a motorcycle insurance company and should factor into your purchase decision. Two key ways to measure a company's level of service are the complaint index issued by the National Association of Insurance Commissioners (NAIC) and the company's AM Best financial strength rating.

The NAIC complaint index compares a company's share of the overall insurance market to how many complaints it gets. Lower numbers indicate better performance, and the average score is 1.00. A company with a better AM Best rating is more financially stable and in a better position to pay out claims during tough economic times.

Cheapest motorcycle insurance companies in Connecticut

We collected more than 120 motorcycle insurance quotes from cities all over Connecticut to find the state's most affordable company. We found the cheapest motorcycle rates come from Nationwide, with an average price of $479 per year for full coverage. Progressive offers the second-best rate at $615 per year.

A graph of the lowest motorcycle insurance rates in Connecticut

Compare Motorcycle Insurance Quotes in Connecticut

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Connecticut motorcycle insurance cost by city

Where you live will have a notable effect on what you pay for insurance, so we looked at which cities have higher or lower rates for full coverage in Connecticut. The state's cheapest rate is from Torrington, at $563 per year. New Haven has the state's most expensive rate at $948 per year, 33% higher than the state average.

City
Annual cost
Difference from state average
Bridgeport$93530.94%
Bristol$632-11.50%
Danbury$592-17.05%
East Hartford$7231.23%
Fairfield$7819.43%
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Connecticut motorcycle insurance requirements

Residents of Connecticut are required to purchase a baseline level of insurance to legally drive their motorcycle. The requirements include bodily injury liability and property damage liability coverage.

Coverage
Limit
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$25,000

We strongly suggest you purchase more coverage than just the minimum requirements. Accidents can often lead to expensive medical bills, sometimes more than the $25,000 limit, and comprehensive and collision can protect your bike.

Methodology

Motorcycle insurance quotes were collected directly from five major companies in Connecticut. The sample rider is a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.