New Jersey motorcycle insurance
New Jersey offers motorcycle riders a combination of rural charm and city cruising. From the Delaware River Scenic Byway to Route 513 just outside New York City, the Garden State has a variety of rides that will keep you looking around the next bend. No matter where you ride in New Jersey, Progressive is there to help you ride protected with personalized coverage. Plus, we offer a long list of discounts that help riders save big on motorcycle insurance in New Jersey. Find out everything you need to know about state requirements, coverages, cost information, and more.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
What are the minimum requirements for motorcycle insurance in New Jersey?
New Jersey motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. Here are all the coverages and coverage limits required in New Jersey:
| Required coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversProperty damage you cause to others in an accident | Minimum amount$25,000 per accident |
| Uninsured/underinsured motorist bodily injury | What it coversInjuries to you and your passengers if hit by an at-fault motorist who has no insurance or insufficient insurance | Minimum amount$25,000 per person $50,000 per accident |
| Pedestrian PIP | What it coversInjuries to a pedestrian when hit by an insured motorcycle rider | Minimum amount$250,000 per person |
Do you need comprehensive and collision coverage?
The state of New Jersey doesn't mandate comprehensive motorcycle coverage or collision motorcycle coverage, but both coverages offer motorcycle owners a way to protect their bike against physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, or weather-related issues. Collision can cover damage to your motorcycle if it collides with another object or vehicle, regardless of who's at fault.
How much is motorcycle insurance in New Jersey?
In 2023, the annual cost for a Progressive motorcycle insurance policy in New Jersey with liability coverage only was $197.80.* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.
Pro tip:
Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.
What's the best motorcycle insurance in New Jersey?
One in three insured motorcycle riders choose Progressive.** Whether you ride in Newark, Jersey City, or Lakewood, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in New Jersey for motorcyclists without sacrificing the valuable protection you need for peace of mind while riding.
You can decrease the cost of motorcycle insurance in New Jersey with motorcycle insurance discounts, such as:
- Multi-policy discount
- EFT discount
- Motorcycle license/endorsement
- Paid in full discount
- Safety course
Find out more ways to lower the cost of motorcycle insurance.
Additional motorcycle insurance coverages available in New Jersey
For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:
- Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels.
- Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault.
- Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy).
- Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft.
- Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash.
- Roadside assistance: Covers the cost of towing your bike to the nearest repair shop.
Learn more about motorcycle insurance coverages.
Quick facts for riding in New Jersey
- To legally operate a motorcycle in New Jersey, you must have a New Jersey motorcycle driver license or a motorcycle endorsement on an existing New Jersey basic or commercial license.
- All motorcycle riders must wear a DOT-approved helmet while riding in New Jersey.
- To register a motorcycle in New Jersey, bring a valid insurance card and a title to a motor vehicle agency. The annual registration fee is $65.
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Enjoy life on two wheels with motorcycle insurance from Progressive
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