New Jersey motorcycle insurance

Illustration of Sunset Beach in Lower Township, New JerseyIllustration of Sunset Beach in Lower Township, New Jersey

New Jersey offers a plethora of scenic locations for bikers, but before you wind your way along Skyline Drive, you'll need a motorcycle insurance policy that meets the state’s minimum legal requirements. You’ll want to be familiar with the motorcycle laws in The Garden State, too.

What’s required of all motorcycle riders in New Jersey?

To ride a motorcycle in New Jersey, you must be at least 17 years old and have either a motorcycle endorsement on your driver’s license or a separate motorcycle license. Beyond license requirements, here are some other rules of the road you should know:

  • Helmets: All motorcycle drivers and passengers must wear a DOT-approved helmet. It’s a good idea to find the type of helmet that works best for you.

  • Eye protection: You’re required to wear approved goggles or a face shield unless your bike has a windscreen.

  • Handlebars: The handlebars on your motorcycle cannot be higher than your shoulders when you’re seated.

  • Mirrors: Your motorcycle is required to have at least one rear-view mirror.

  • Horn: Motorcycles in New Jersey are required to have a working horn.

  • Lights:

    • One or two headlights

    • A taillight

    • A brake light

    • Turn signals


    To increase your visibility to other motorists, your motorcycle must have:

  • Passengers: Passengers must have a proper seat, foot pegs, and wear the same types of protective equipment as the driver.

  • Lane splitting: Driving between lanes in slow-moving or stationary traffic is illegal.

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What are the motorcycle insurance requirements in New Jersey?

Before you can legally operate a motorcycle in New Jersey, you must have valid liability insurance. States have unique minimum motorcycle insurance coverages; here’s what you need in New Jersey:

Liability coverage

  • $25,000 for bodily injury liability for one person

  • $50,000 for bodily injury liability for two or more persons

  • $25,000 for property damage liability

Uninsured/Underinsured motorist coverage

  • $25,000 for bodily injury to one person

  • $50,000 for bodily injury to two or more persons

  • $25,000 for property damage

Pedestrian personal injury protection

  • $250,000 maximum 

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Can’t wait to ride along the coast on U.S. Route 9?

Review our motorcycle insurance coverage recommendations guide first to make sure you're ready.

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Are optional motorcycle insurance coverages available in New Jersey?

Yes. The minimum state motorcycle requirements might not be enough to cover you in every situation, so we offer several optional coverages in New Jersey, including:

Comprehensive coverage

If your motorcycle is damaged by something other than a collision, comprehensive motorcycle insurance can help you pay for repairs and other costs. This coverage frequently applies following incidents like theft, vandalism, and weather events like hailstorms.

Collision coverage

When your motorcycle is involved in a collision with another vehicle or a stationary object—or even if it just tips over and is damaged—your collision coverage can help pay for the resulting costs of the damage.

Roadside assistance coverage

Stuck somewhere with a flat tire, an empty tank, or a dead battery? Roadside assistance coverage can bring you help when and where you need it most.

Special equipment coverage

If you’ve customized your motorcycle, you may want to consider coverage for accessories, since most policies only cover stock motorcycle parts.

Want to explore New Jersey off the beaten path? We have coverage options for your ATVs, UTVs, dirt bikes, and snowmobiles.
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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

New Jersey motorcycle insurance discounts

We offer a range of motorcycle insurance discounts to help you find even more value in your coverage. Check out the list of discounts below, all of which are available in New Jersey, and talk to your Dairyland® agent to see which ones you may qualify for.

  • Homeowner discount

  • Harley Owners Group (H.O.G.) member

  • Loyalty

  • Operator safety course

  • Motorcycle rider group

  • Multi-vehicle

  • Multi-line

Sites to see in New Jersey

New Jersey offers motorcyclists a wide variety of scenery—from city streets to miles of coastline, tree-lined lakes, and even small mountains. Here are some places to check out on your bike in New Jersey.

U.S. Route 9

Running parallel to the coast, Route 9 offers riders scenic views of New Jersey—rural, urban, and suburban. The best time to check out the route is during the Roar to the Shore Motorcycle Rally.

Fort Lee Loop

This 100-mile loop will take you through tree-lined scenery that features small lakes with beautiful nature views over a small mountain. Get a glimpse of the Hudson River and New York from the Palisades Cliffs.

Central Jersey route

Enjoy some of the classic Jersey sights in the short 30-mile Central Jersey route that winds its way through area mansions and along the Navesink River. You'll also get scenic views of Sandy Hook and New York along the way.


Explore the backroads on the 60-mile Skylands route as it meanders through Jenny Jump State Forest. Movie enthusiasts should make a pit stop in Blairstown as it's where the original "Friday the 13th" was filmed.

New Jersey Skyline Drive

Despite being only 23 miles in length, a ride through this route offers wonderful twisty roads that snake their way both uphill and downhill. Along the way, watch for Ringwood Manor State Park.

Get a New Jersey motorcycle insurance quote

Street cycles, commuter bikes, cruisers, touring bikes, dirt bikes, and more—if you live in New Jersey, chances are we cover what you ride. Enter your information below or give us a call at 866-324-7952 to get started.

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