Motorcycle insurance in New Jersey

Enthusiasts who spend a lot of time on the road should consider all their options for motorcycle insurance coverage in the Garden State. Learn what coverages are required, which are optional, and how to lower the cost and find the best motorcycle insurance in New Jersey.

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What are New Jersey’s motorcycle insurance requirements?

Like most states, New Jersey requires riders to carry liability insurance to pay for any damages they may cause to others. While New Jersey mandates minimum motorcycle insurance coverage, many riders add supplemental coverages to enhance their protection. The basic coverage required in New Jersey is Bodily Injury and Property Damage (often abbreviated "BI/PD") and must meet minimum limits established by New Jersey law:

  • $15,000 in bodily injury per person
  • $30,000 in total bodily injury per accident
  • $5,000 in property damage per accident

In addition to liability coverage, New Jersey also mandates pedestrian personal injury protection (Pedestrian PIP) and uninsured motorist coverage (UM/UIM) with the following minimum limits:

  • Pedestrian PIP: $15,000
  • UM/UIM BI: $15,000 per person and $30,000 per accident
  • UM/UIM PD: $5,000 with a $500 deductible

Pedestrian personal injury protection coverage pays for pedestrians’ medical bills regardless of who was at fault for the accident and may also cover lost wages and a death benefit. Uninsured motorist coverage for your motorcycle can help cover your damages when another driver is at fault but doesn't have enough insurance to pay for the damage or injuries they've caused.

Progressive is the country's #1 motorcycle insurer. With our online tools, you can get a motorcycle insurance quote in minutes.

What's included in Progressive motorcycle insurance in New Jersey?

Progressive pays to restore your bike to its pre-accident condition when you have physical damage coverage. We pay for repairs using the same parts, so if your bike has original equipment manufacturer parts, we'll pay for OEM parts for the repair – without depreciation – to get your bike back the way it was. Similarly, if your bike has custom parts, we'll pay for custom parts in the repair.

Accessories coverage (sometimes called CPE for "custom parts/equipment"), also included with every policy, protects changes, upgrades, or optional equipment. We automatically include $3,000 of accessories coverage with comprehensive and collision, but you can increase the limit to as much as $30,000 depending on how much you've tricked out your bike. You can increase the limit as you upgrade, so you're always protected.

Comprehensive and collision coverage

Beyond the required coverages, which mostly pay for damages you cause to others, our policies offer motorcycle collision coverage, which can pay for damages your bike suffers in a collision, regardless of who caused the accident. Motorcycle comprehensive coverage, also available on our standard policy, may pay for damages your bike suffers that don't result from a crash but from events like severe weather, vandalism, and theft.

Other Progressive motorcycle coverages available in New Jersey

You can upgrade and customize your policy further with popular add-on coverages like:

Total loss coverage is available for bikes no more than one model year old. It can pay for the entire value of your bike in the event of a total loss, protecting it against depreciation.

Roadside assistance can cover the cost of towing your motorcycle to the nearest mechanic and may even cover incidental costs if the accident happens while you're away from home.

Enhanced injury protection can pay up to $250 a week for as long as two years if injuries from a covered accident leave you unable to work.

Carried contents protects any belongings or personal effects (cellphones, hunting gear, etc.) you carry with you on the bike against loss, damage, or theft. Please note this coverage only applies with a covered loss.

Learn more about available motorcycle insurance coverages.

How much is Progressive motorcycle insurance in New Jersey?

Insurance rates vary according to many factors, including your age, location, driving record, coverage limits, and even how much you ride. New Jersey is one of the more expensive states for Progressive motorcycle insurance, so expect your premiums to be a bit higher than our national average.

Learn more about motorcycle insurance costs.

Where to find cheap motorcycle insurance in New Jersey

The best motorcycle insurance in New Jersey should offer a balance of coverage and cost that is comfortable with your budget. Our customizable policies allow you to tailor your coverage, limits, and deductible to create a policy that gives you peace of mind while fitting your budget. We offer a variety of discounts such as:

  • Quote in advance
  • Multi-policy
  • Switch and save
  • Motorcycle endorsement
  • Safety course

Learn more about motorcycle insurance discounts.

Pro tip:

If you store your bike in the off-season, don't cancel your motorcycle insurance in the winter or for the time it’s in the garage. Keeping it insured with comprehensive coverage in the off-season can protect you against weather damage, theft, and more. Also, prices can go up when it comes time to reinstate the insurance in the spring.

Check out some of the best motorcycles for snow and winter commutes.

How to get motorcycle insurance in New Jersey


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