Although mandatory for riders in New Jersey, motorcycle insurance doesn't have to be expensive. We obtained hundreds of quotes from across the state, and found the cheapest annual rate for motorcycle insurance to be $382.
Compare Motorcycle Insurance Quotes from Providers in New Jersey
After researching hundreds of insurers and quotes, we've determined some of the best motorcycle insurers in the state. To pair with providers near you, use the secure quote box above or keep reading our comparison of New Jersey's top motorcycle insurance companies.
Best motorcycle insurance for most people: GEICO
The best motorcycle insurance for most of New Jersey's riders is GEICO. On average, we found that GEICO has by far the cheapest rates of any of the motorcycle insurers we surveyed. Additionally, its many add-on features and quality customer service make it a provider most people should consider.
The average cost of motorcycle insurance from GEICO is $382 per year — nearly 40% 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 further reduce the price of your premium. You could qualify for a discount if you:
- Have auto insurance with GEICO
- Insure more than one bike or moped
- Complete a motorcycle safety course
- Renew your policy before it expires
- Switch from another insurer
While GEICO's motorcycle insurance comes with the types of coverage that are included by most other providers, you can also upgrade your protection by adding roadside assistance and accessories coverage. GEICO also offers high policy limits for liability protection in case you decide to add more coverage later on.
GEICO's customer service is also noteworthy. According to an analysis by the National Association of Insurance Commissioners (NAIC), GEICO receives fewer complaints than its size suggests. However, since the NAIC doesn't distinguish motorcycle insurance from auto, motorcycle-only complaints may be slightly different.
Most complete motorcycle insurance: Progressive
Progressive gives riders the best chance to maximize their motorcycle insurance coverage. Progressive offers the most endorsements of any of the companies we surveyed. Moreover, 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 protection
- Higher limits for your policy's coverages
At $757 on average, Progressive's motorcycle insurance is more expensive than average in New Jersey, but its range of extras make it a top provider. Also, your premiums may 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 is a great fit for motorcycle enthusiasts who want coverage from a specialty provider. 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 accessory coverage, roadside assistance in case you break down and reimbursements for meals and lodging if you get struck while on a long ride. Additionally, you can add comprehensive and collision coverage.
On average, New Jerseyans can get motorcycle insurance from Rider for under $500 per year. Even if you don't qualify for any of Rider's 16 discounts, it's one of the cheapest providers in the state. Along with other ways to save, you could reduce your premium by:
- Completing a safety course
- Owning a home
- Having at least three years of riding experience
- Being a part of a riding group
- Having a motorcycle license
The best reviewed motorcycle insurance in New Jersey
As you shop for motorcycle insurance, be sure you're informed about a company's customer service information. 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 was Progressive, which has a complaint index of 0.46. Dairyland's complaint index of 2.12 was the worst of the providers we surveyed.
|Insurer||NAIC score||A.M. Best (financial stability)|
Cheapest motorcycle insurance in New Jersey
The average cost of motorcycle insurance in New Jersey is about $610 per year, but we found prices that were over $1,000 in some places. 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 $400. Usually, it's most expensive for New Jerseyans to get coverage from Dairyland.
Find Cheap Motorcycle Insurance Quotes in Your Area
What are New Jersey's motorcycle insurance requirements?
New Jersey's motorcycle drivers 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 type||Required 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, but adults can also take this 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: city-by-city breakdowns
Our data analysis allowed us to contrast the average cost of motorcycle insurance in many of New Jersey's cities. Below, we've displayed these results along with each city's relationship to the state's mean cost of coverage. Cities are organized by size.
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||% of statewide average|
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 that's a 45-year-old married homeowner who drives a 2019 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.