Who Has The Cheapest Motorcycle Insurance Quotes In New Jersey?

The state of New Jersey in the Northeast has the second highest median income of all 50 states and beautiful parks and Atlantic shores. Winters in the Garden State can be harsh but most of the year is great for motorcycle riding so we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed insurance costs differed widely based on where riders lived: the most expensive place was more than 2x the cost of the cheapest in New Jersey.

Cheapest Motorcycle Insurance In New Jersey

Only two companies had data available online in the state of New Jersey. GEICO had the best motorcycle insurance rates for our sample 45-year-old rider, with an average quote of $306. The average cost of motorcycle insurance for the same rider and policy from Progressive was much higher, at $839. Progressive's quotes were more than 2x as much as GEICO's. This shows how widely quotes can vary for the same driver and policy limits, and it is in consumers' best interests to shop and compare if they want to save on their motorcycle insurance.

A ValuePenguin study of two motorcycle insurance companies with available data in New Jersey found GEICO had the best quotes.

Best Motorcycle Insurance Rates In New Jersey: By City

The five places with the best motorcycle insurance rates in New Jersey are all located outside of the state’s larger cities and primarily in the northern part of the state. However, the cheapest places are diverse. They appear inland, on the Atlantic coast and vary in size. The place with the lowest motorcycle insurance rates in New Jersey was Brick Township, where quotes for the study sample policy were 21% lower than the state average. Keep in mind that just because a company has cheap rates, doesn't mean it's one of the best motorcycle insurance companies.

Rank

CityAverage Annual Rate% Difference vs State Average
1Brick$456-21%
2Chester499-13%
3Bernardsville513-10%
4Hillsborough513-10%
5Pennington513-10%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Brick, NJ

The place in New Jersey with the cheapest motorcycle insurance rates is Brick Township. The municipality on the north Atlantic coastline of the state has more than 75,000 residents and frequently appears near in national rankings of safe cities. The township has an entire Recreation Department devoted to developing sport and cultural programs for residents, including surf camps and fireworks. Motorcycle insurance rates in Brick Township were 21% lower than the New Jersey average.

Chester, NJ

Chester is another New Jersey Township with some of the most affordable motorcycle insurance premiums. Located in Morris County and a one-hour drive west from New York City, the area that is now Chester Township was first settled in 1640. In the 1960s, a surge of residential construction began there and, today, the township has more than 1,600 residents. It also has some of the best motorcycle insurance in the state. Motorcycle insurance quotes for our sample policy were 13% lower than the New Jersey average.

Bernardsville, NJ

Just east of Chester Township is Bernardsville, a borough in Somerset County. It has about 7,700 residents, a number with has grown steadily over the last 20 years. During the American Revolutionary War, General Charles Lee stopped to rest his troops in Bernardsville, which was then known as Vealtown. The borough has the third lowest motorcycle insurance rates in New Jersey. Motorcycle insurance premiums in Bernardsville were 10% lower than the state average.

Hillsborough, NJ

Hillsborough Township is located in north New Jersey, just east of Edison. It has more than 36,000 residents and has been a township since 1771. The Belle Mead General Depot, which was a storage site for materials during World War II, was located in Hillsborough. New Jersey Transit has proposed extending a line to Hillsborough, where many live and commute to New York City. It also has some of the best motorcycle insurance premiums in the state. Motorcycle insurance rates in Hillsborough are 10% lower than the New Jersey average.

Pennington, NJ

The fifth best place for motorcycle insurance quotes in New Jersey is the Borough of Pennington, just north of Trenton. Pennington has about 2,500 residents and is serviced by a NJ Transit bus to and from Trenton, the state’s capital. Peter Benchley, the author of the novel and film “Jaws,” worked on the novel while he lived in Pennington. Bike insurance in Pennington is some of the most affordable in the state. Motorcycle insurance rates for our sample policy were 10% lower than the New Jersey average.

Most Expensive Motorcycle Insurance In New Jersey

The places in New Jersey with the most expensive motorcycle insurance policies include the state’s largest cities and across a number of areas in the state. Newark took the top spot with the most expensive rates, where premiums for our study’s sample motorcycle insurance policy were 73% higher than the state average.

Rank

CityAverage Annual Rate% Difference vs State Average
1Newark$99373%
2Jersey City79438%
3Atlantic City78838%
4Union78838%
5Garfield75331%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Newark, NJ

The place with the most expensive motorcycle insurance in New Jersey is Newark. The city has about 277,000 residents, making it the largest in the Garden State. It’s part of New Jersey’s Gateway Region and is just west of Jersey City and New York City. Motorcycle insurance rates in Newark were 73% higher than the state average, according to our study.

Jersey City, NJ

The second-most populous city in New Jersey also had the second-highest motorcycle insurance premiums. Jersey City has roughly 260,000 residents within only 21 square miles and is one of the most diverse in the U.S. It’s commonly called “the sixth borough,” a reference to the five borough of New York City. Motorcycle insurance rates in Jersey City are 38% higher than the state average.

Atlantic City, NJ

Atlantic City is a resort city in New Jersey with a popular boardwalk and a number of casinos. It experienced a boom in the early 20th century and, today, has a population of roughly 40,000 residents. The popular board game Monopoly has purchasable properties named after areas in or near Atlantic City. The city has some of the least affordable motorcycle insurance premiums in New Jersey. Rates for our sample motorcycle insurance policy also were 38% higher than the state average.

Union, NJ

The township of Union is just west of Elizabeth and the Newark Liberty International Airport. It was known as Connecticut Farms in the 18th century but has since changed it’s name and grown to more than 56,000 residents. Motorcycle insurance in Union is some of the most expensive in the state. Rates for our sample property in the state were 38% higher than the state average.

Garfield, NJ

Garfield is a city in Bergen County, New Jersey with about 30,000 residents. It’s along the eastern bank of the Passaic River and was named after U.S. President James Garfield. The city is only 12 miles west of New York City and many who live there commute to and work in Manhattan. Garfield has some of the most expensive motorcycle insurance in New Jersey. Rates for the study’s sample policy were 31% higher than the state average.

Average Motorcycle Insurance Rates In New Jersey: By City

This comparative study of motorcycle insurance premiums in New Jersey was done by gathering and analyzing quotes from five major carriers across 62 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 2.2x the cost of the cheapest.

A ValuePenguin study of a sample policy and rider found that the average motorcycle insurance rate in New Jersey was $573.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

New Jersey Motorcycle Insurance Requirements

New Jersey motorcycle riders are required to carry basic liability coverage. Unlike those insuring cars, bike riders are not required to purchase personal injury protection. Below, we've included a breakdown of the required coverages for motorcycle riders in New Jersey.

Coverage Type

Required Minimum Limit
Bodily Injury Liability$15,000 per person / $30,000 per accident
Property Damage Liability$5,000 per accident

Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 62 municipalities and census-designated places in the state of New Jersey. The quotes we gathered were from two major carriers - Progressive and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual Rate% Difference vs State Average
11Allentown$525-8%
29Annandale533-7%
59Atlantic City78838%
7Bayville518-10%
3Bernardsville513-10%
1Brick456-21%
14Bridgewater530-8%
56Brunswick69020%
43Caldwell549-4%
8Cape May518-10%
52Cedar Grove65915%
15Chatham530-8%
41Cherry Hill549-4%
2Chester499-13%
42Collingswood549-4%
16Cranbury530-8%
17Denville530-8%
44Edison549-4%
57Farmingdale69221%
30Flemmington533-7%
18Florham530-8%
58Garfield75331%
54Hackensack68019%
48Hammonton562-2%
12Hightstown525-8%
4Hillsborough513-10%
20Holmdel530-8%
21Howell530-8%
33Jackson534-7%
61Jersey City79438%
50Lawrenceville64412%
34Long Branch534-7%
22Madison530-8%
23Manasquan530-8%
10Manchester518-10%
24Manville530-8%
38Millville542-5%
45Monmouth Junction549-4%
25Morristown530-8%
6Mount Olive513-10%
35Neptune City534-7%
46New Brunswick549-4%
New Jersey Average5730%
62Newark99373%
31Newton533-7%
47North Brunswick549-4%
5Pennington513-10%
37Pleasantville537-6%
40Princeton548-4%
26Randolph530-8%
36Red Bank534-7%
49Sayreville5750%
9Stafford518-10%
27Stirling530-8%
32Toms River533-7%
55Trenton68019%
60Union78838%
51Verona65915%
53Westfield67418%
19Whippany530-8%
28Willingboro530-8%
13Windsor525-8%
39Woodbury546-5%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Comments and Questions