Find the Best Motorcycle Insurance

in New Jersey

Protect Yourself Before You Ride

Consider your New Jersey motorcycle insurance as important as your protective gear and safety classes. Whether you drive a chopper, dirt bike, or sport bike, the risks to riding include not only property damage and bodily injury, but also financial hardship should you be involved in an accident without adequate coverage. Finding affordable motorcycle insurance quotes takes experience, which is where a Trusted Choice independent agent comes in. Taking into account your coverage needs and any possible insurance discounts you may qualify for, your New Jersey insurance agent can help you find the right insurance for your motorcycle.

N.J. Motorcycle Crash Statistics (from the N.J. Division of Highway Traffic Safety):

  • 90% of riders involved in motorcycle crashes have no formal training.
  • Two-thirds of crashes result from excessive speeding.
  • 40% of single-vehicle motorcycle fatalities occur during turns and corners.
  • More than half of motorcycle crashes involving other vehicles occur at intersections.
  • Over two-thirds of motorcycle crashes occur when the other vehicle's driver does not see the motorcycle.

Average Cost of Motorcycle Insurance in New Jersey

New Jersey motorcycle insurance costs depend on a number of factors and will vary between different insurance companies. Things that affect how much you will end up paying for your motorcycle insurance policy include:

  • Driver's age and driving record
  • Motorcycle make, model, year, and horsepower
  • Where and how the motorcycle is parked
  • Frequency and use of the motorcycle
  • Motorcycle add-ons or customizations
  • Types of insurance purchased and policy amounts
  • Available discounts

Types of Motorcycle Insurance 

At minimum, motorcycle insurance in New Jersey must include the following basic or standard liability coverage:

  • Basic Liability Coverage
    • $10,000 coverage for injury/death to more than one person
    • $5,000 coverage for property damages
  • Standard Liability Coverage
    • $15,000 coverage for injury/death to one person
    • $30,000 coverage for injury/death to more than one person
    • $5,000 coverage for property damage

This coverage protects you up to the policy limits for an accident you cause that damages another person's property. It also covers personal injuries or deaths of third parties as a result of your negligence. 

These minimum policies will not cover the following expenses, which is where adding additional coverage may be necessary.

  1. Collision Insurance: Covers getting your motorcycle repaired or replaced if it is damaged or totaled in an accident.
  2. Umbrella/Additional Liability Insurance: Increases your liability coverage beyond the minimum outlined in your current policy.
  3. Comprehensive Insurance: Covers your motorcycle for other perils, such as theft of vandalism.
  4. Medical Payments: Covers medical expenses or burial costs that you incur as a result of an accident.
  5. Uninsured/Underinsured Motorist Insurance: Covers your injuries or damage to your motorcycle if you are involved in an accident with another driver who has no insurance or who is underinsured.
  6. Accessories Insurance: Covers customized upgrades made to your bike after purchase.

Choosing the level of coverage that offers you the right amount of protection starts with talking to a New Jersey Trusted Choice independent insurance agent. They review all your options and needs and help you select a plan from multiple motorcycle insurance companies, so you can select a policy with confidence.

Top Insurance Companies That Support Independent Agents in New Jersey 

There are currently 485 independent insurance agents in New Jersey who are ready to help. These agents can save you time and money by helping you find competitively priced coverage that is well-suited to meet your business’s specific coverage needs. Talk to an insurance agent near you to learn more and to start comparing customized business insurance quotes.

Why go Independent

Why Go Independent When Looking for Insurance?

  • Local agents know your community
  • Multiple quotes from one agent
  • Get more value for your money