New Jersey Motorcycle Insurance

Find the Best Motorcycle Insurance Options in New Jersey

There are about 159,602 motorcycles registered and on the roads in New Jersey. Of all these motorcyclists, only about 1% will ever file motorcycle insurance claims for accidents, which breaks down to about 1,596 total. Motorcycle insurance provides coverage for financial losses due to a number of threats beyond accidents, including theft or vandalism of your bike, collisions, and more, depending on what you put into your specific policy. Without motorcycle insurance, you could have to pay out-of-pocket for these losses.

Fortunately, a New Jersey independent insurance agent can help you get equipped with all the motorcycle insurance needed to get the job done right. They'll get you matched to a policy with ease. Until then, here's an overview of New Jersey motorcycle insurance requirements and more.

Best Motorcycle Insurance Companies in New Jersey

You can find motorcycle insurance from many different insurance companies in New Jersey, but you're looking for a policy that provides the right blend of coverage quality and affordable costs. To help you save time on your coverage hunt, we've put together a list of only the best motorcycle insurance companies in New Jersey. 

These top-rated carriers are known for outstanding customer service, discount options, and coverage that does what it says it will. Start by checking into these motorcycle insurance companies in New Jersey.

• Progressive: One of the cheapest motorcycle insurance companies in New Jersey is Progressive. Rates for motorcycle insurance average just $19 per month or $228 per year, making the carrier the most affordable for coverage in New Jersey. Progressive also offers numerous discounts to help riders reduce their premiums even further, as well as extra perks like total loss coverage, trip interruption coverage, accessories and custom parts coverage, carried contents coverage, and more.
• Dairyland: A full-coverage motorcycle insurance policy from Dairyland is a bit more expensive, at a rate of $492 per year on average, or about $41 per month. Dairyland is a top contender for motorcycle insurance in New Jersey thanks to its host of coverage options like trip interruption, food, lodging, and towing coverage, and roadside assistance coverage. The carrier's food, lodging, and towing coverage is for riders who get into an accident while more than 100 miles away from home, which is a great bonus for motorcyclists who travel far on their bikes often.
• USAA: Sold through its partner Progressive, motorcycle insurance from USAA is available to active and retired military members and their families. A major perk of going through USAA is the additional 5% discount members get on coverage, making motorcycle insurance cost just about $216.60 per year or $18 per month. Along with the cheap rates comes outstanding customer service and many extra coverage options, too.

Working together with a New Jersey independent insurance agent is an easy way to get matched to a motorcycle insurance policy from one of these outstanding local carriers.

Is Motorcycle Insurance Required in New Jersey?

The New Jersey Department of Motor Vehicles requires every motorcycle operator to carry the following minimal motorcycle insurance coverages:

• $15,000 in bodily injury liability coverage per person
• $30,000 in total bodily injury liability coverage per accident
• $5,000 in property damage liability coverage per accident
• $15,000 in pedestrian personal injury protection
• $15,000 in uninsured/underinsured motorist bodily injury coverage per person and $30,000 per accident
• $5,000 in uninsured/underinsured motorist property damage coverage with a $500 deductible

Liability insurance coverage will insure you up to the policy limits for any accident you cause that damages another person’s property. It also covers the personal injuries or deaths of third parties as a result of your negligence. Lawsuits can be very expensive, so it's vital that you have sufficient liability coverage to protect yourself.

What Does New Jersey Motorcycle Insurance Cover? 

There are some state-specific requirements for New Jersey motorcycle insurance. Riders who fail to provide proof of the state's mandated coverage can be fined or face even harsher penalties. These types of motorcycle insurance are required by New Jersey state law:

• Bodily injury liability: This covers your costs if you're responsible for an accident that physically harms another person.
• Property damage liability: This covers your costs if you're responsible for an accident that damages another person's property, such as a vehicle or fence.
• Uninsured/underinsured motorists bodily injury coverage: This covers your financial losses related to injury treatments if you're involved in an accident caused by someone who doesn't have any insurance or high enough coverage limits to pay for your damages.
• Uninsured/underinsured motorists property damage coverage: This covers your financial losses related to repairs to your personal property, like your motorcycle, if you're involved in an accident caused by someone who doesn't have any insurance or high enough coverage limits to pay for your damages.
• Pedestrian personal injury protection coverage: This covers injury treatments and lost wages if you get struck by another vehicle when you are a pedestrian.

Optional Motorcycle Insurance Coverages in New Jersey

Along with liability insurance, you can purchase additional New Jersey motorcycle insurance coverage that includes the following options:

• Collision insurance: Pays for damage to your motorcycle from a collision with another driver, regardless of fault. 
• Umbrella insurance: In addition to the minimal liability package you have already purchased, with this option, you can increase your liability coverage.
• Comprehensive insurance: Pays for damage to your motorcycle due to a non-collision event such as a flood or theft. 
• Carried contents coverage: This covers repairs or replacements for personal property on your motorcycle, like camping gear or cell phones, if it gets damaged by a covered cause.
• Gap coverage: Motorcycle gap insurance covers the difference between what's owed on a motorcycle loan or lease and the current value of the vehicle after an accident or theft.
• Custom equipment coverage: This covers any parts and equipment on your motorcycle considered aftermarket or not installed by the manufacturer if they need repairs or replacement after a covered loss. 
• Medical payments coverage: This covers any medical expenses or burial costs you incur as a result of an accident.
• OEM endorsements: An original equipment manufacturer (OEM) endorsement provides new parts from the original manufacturer for your motorcycle when it needs repairs.
• Towing and roadside assistance coverage: This covers the costs of towing or other roadside assistance services needed if you break down while out on the road with your motorcycle.

If you're still unsure of the differences between collision vs. comprehensive coverage or whether you need either or both types of protection, ask your New Jersey independent insurance agent. They'll be sure you get equipped with each type of coverage necessary for your motorcycle.

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How Much Does Motorcycle Insurance Cost in New Jersey?

The average cost of motorcycle insurance in New Jersey is $25 per month or $300 per year. However, the cost of your coverage can be difficult to predict without knowing more information about your specific bike, your driving history, and your exact location. 

New Jersey motorcycle insurance rates also vary from insurer to insurer. Your premium depends on other factors that your insurance company will use to provide you with a quote. Some of these factors may include:

• The driver's age and driving record
• The bike's type, make, age, value, and horsepower
• Where and how you store or park your motorcycle
• Frequency and use of the motorcycle
• Your deductible amount and coverage limits
• The types of insurance coverage you purchase
• Your motorcycle's add-ons or customization

A New Jersey independent insurance agent can help provide you with exact quotes for motorcycle insurance from several different local carriers.

New Jersey Motorcycle Insurance Cost by City

The cost of New Jersey motorcycle insurance varies down to each specific city. So, you might pay quite a different premium rate for coverage in Trenton than you would in Princeton for the exact same bike and policy limits. Here's an overview of average motorcycle insurance rates in some of New Jersey's major cities.

New Jersey Motorcycle Insurance Discounts

New Jersey motorcycle insurance discounts are available from most carriers and can help further reduce your premiums. You can lower your motorcycle premium by qualifying for discounts in the following ways:

• You may get a safe driving discount by completing a state-approved motorcycle safety course.
• You can combine your motorcycle insurance policy with other policies, known as bundling.
• You can get a policy for actual use if you only drive your bike for a portion of the year.
• You can pay a single annual payment as opposed to monthly installments.
• You may qualify for a military or professional organization discount. You may also pay lower premiums if you can buy a policy through an association or a union.

Your New Jersey independent insurance agent can help find any discounts you qualify for on motorcycle insurance to save you the most money possible.

How to Get a New Jersey Motorcycle Insurance Quote

Many insurers offer New Jersey motorcycle insurance policies. The costs vary from company to company, but you can find help simply by contacting a local independent insurance agent in the Trusted Choice network.

Independent insurance agents can offer you a range of New Jersey motorcycle insurance quotes so you can find the right policy for your motorcycle at an affordable rate. Contact a local agent today to get the process started.

New Jersey Motorcycle Insurance FAQs