Who Has the Best Cheap Motorcycle Insurance in New Jersey?

Who Has the Best Cheap Motorcycle Insurance in New Jersey?

Geico has the cheapest annual rate for motorcycle insurance at $411.

Compare Motorcycle Insurance Quotes in New Jersey

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Cheapest motorcycle insurance in New Jersey

The average cost of motorcycle insurance in New Jersey is about $653 per year, but Geico has cheapest quotes around $400 per year.

Generally, the typical cost of coverage in New Jersey is less expensive than the national price of motorcycle insurance.

The cheapest motorcycle insurance in New Jersey comes from Geico, which sells policies for an average of under $411. Usually, it's most expensive for New Jersey riders to get coverage from Dairyland.

A bar graph showing the average costs of motorcycle insurance in New Jersey
A bar graph showing the average costs of motorcycle insurance in New Jersey

Compare Motorcycle Insurance Quotes in New Jersey

Currently insured?
Insurer
Average cost
Difference from statewide average
Geico$411-37.1%
Allstate$650-0.5%
Progressive$6662.0%
Dairyland Insurance$88635.6%

Best motorcycle insurance for most people: Geico

Geico's affordable rates make it a great fit for most motorcycle owners.
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The best motorcycle insurance for most New Jersey riders is Geico. On average, Geico has by far the cheapest rates of any of the motorcycle insurers in the state. Additionally, its add-on features and quality customer service make it a company most people should consider.

The average cost of motorcycle insurance from Geico is $411 per year — 37% cheaper than the typical price of coverage in New Jersey.

In addition to having the most affordable motorcycle insurance in New Jersey, Geico offers a few ways to save even more on motorcycle insurance. You could qualify for a discount if you:

  • Bundle auto, home or renters insurance with Geico
  • Insure more than one bike or moped
  • Complete a motorcycle safety course
  • Renew your policy before it expires
  • Switch from another company

While Geico's motorcycle insurance comes with the standard types of coverage that are included by most other bike insurers, you can upgrade your protection by adding roadside assistance and accessories coverage.

Geico's customer service is also noteworthy. According to an analysis by the National Association of Insurance Commissioners (NAIC), Geico receives fewer complaints than average relative to its size for all vehicle policies, including cars and motorcycles.

Best motorcycle insurance coverage: Progressive

Progressive's many coverage features make it worth its slightly higher-than-average price.
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Progressive gives riders the best chance to maximize their motorcycle insurance coverage. Progressive offers the most endorsements of any of the companies we surveyed in New Jersey. And its motorcycle insurance includes a few premium features without requiring you to upgrade.

A standard motorcycle insurance policy from Progressive includes replacement cost coverage and $3,000 of protection for accessories and custom parts with comprehensive coverage. If you want to enhance your motorcycle insurance, you can add more coverage for custom and original equipment manufacturer parts, along with:

  • Total loss coverage
  • Roadside assistance and trip interruption protection
  • Carried contents coverage
  • Accessories and custom parts coverage
  • Trip interruption

At $666 per year on average, Progressive's motorcycle insurance is more expensive than average in New Jersey, but only by $13 per year. Also, your premium may be lower if you qualify for any of Progressive's many discounts, like those for motorcycle license holders, responsible drivers and customers who sign up for automatic payments.

Best for motorcycle enthusiasts: Rider

Rider’s motorcycle insurance caters to people passionate about their bikes.
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Rider's motorcycle insurance is a great fit for enthusiasts who want coverage from a specialty provider in New Jersey. Rider's policies are tailored to the needs of people who take their bikes on long trips and who have been riding for a while.

You can upgrade your motorcycle insurance with Rider by adding up to $8,000 of accessories coverage, roadside assistance and reimbursements for meals and lodging if you get stuck while on a long ride. Additionally, you can add comprehensive and collision coverages.

Rider offers the widest range of discounts from any insurer we surveyed. Along with other ways to save, you could save on motorcycle insurance by:

  • Completing a safety course
  • Owning a home
  • Having at least three years of riding experience
  • Being part of a riding group
  • Having a motorcycle license
  • Installing anti-theft and security devices
  • Being claims-free for five years

Best motorcycle insurance companies in New Jersey

Progressive and Geico have the best customer service ratings in New Jersey.

IInsurer
NAIC Complaint Index
AM Best FSR
Allstate0.76A+
Dairyland2.69A+
Geico0.64A++
Progressive0.33A+
Rider1.62A-
USAA0.98A++

As you compare motorcycle insurance, check each company's customer service reputation. To find which company has the best customer service, we compared data reported by the National Association of Insurance Commissioners about the number of complaints the companies in our study received.

The company with the best customer service is Progressive, which has a Complaint Index of 0.33. Dairyland's Complaint Index of 2.69 was the worst of the providers we surveyed.

A company's Complaint Index is calculated by dividing the complaints it receives by its market share. A number greater than 1.0 signifies that the insurer gets more complaints than its size suggests. For instance, an insurer with a 0.5 Complaint Index receives about half of its expected complaints.

What are New Jersey's motorcycle insurance requirements?

New Jersey motorcycle riders are required by state law to carry liability, uninsured motorist and property damage coverage. The state requires each rider to have the following levels of insurance:

Coverage
Limit
Bodily injury liability$15,000 per person/$30,000 per accident
Personal injury protection$15,000 per person/$30,000 per accident
Uninsured motorist coverage$15,000 per person/$30,000 per accident
Property damage liability$5,000

What are New Jersey's motorcycle laws?

Riders in New Jersey must carry a valid motorcycle endorsement or license unless they ride a low-speed motorcycle with an engine smaller than 50 cubic centimeters. You must wear a helmet with a chin strap that's been approved by the Department of Transportation, too.

Motorcycle endorsements are easy to get in New Jersey. You can enroll in a basic rider course if you're under 18 years old, but adults can also take the course if they wish. You must then practice riding for 20 days using a preliminary examination permit. Then, after you pass a scheduled road test, you pay a fee and obtain your motorcycle endorsement.

If you don't have a regular driver's license, you have to ride with a motorcycle permit for three months to prepare for a road test. Once you obtain a probationary license, you must carry it for a year before you qualify for a motorcycle license.

Motorcycle insurance rates in New Jersey by city

In New Jersey, the most expensive city for motorcycle insurance we surveyed is Newark, where rates are more than $1,000. On the other hand, the cheapest city we found was Chester, where policies cost about $500 on average.

City
Average
Difference from statewide average
Allentown$561-14.2%
Annandale$564-13.7%
Atlantic City$83928.4%
Bayville$622-4.8%
Bernardsville$551-15.7%
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How did we choose the best motorcycle insurers?

In addition to price, we checked the policy features and customer service of motorcycle insurers across New Jersey. We collected about 250 quotes from motorcycle companies in New Jersey using addresses located across the state. Our survey uses rates sourced for a sample profile of a 45-year-old married homeowner who drives a 2021 Harley-Davidson FLHX Street Glide.

Our profile elected for more protection than what's legally mandated in New Jersey, but it's a good idea to purchase enough insurance to protect the full value of your assets rather than simply comply with the law's minimum requirements.

The rates that we obtained were based on these coverage limits:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: included/$500 deductible
  • Comprehensive coverage: included/$500 deductible
  • All other coverages: not included

As your own rates will be influenced by your personal insurance history, location, bike model and coverage elections, your rates may differ from ours.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.