Who Has the Best Cheap Motorcycle Insurance in New Jersey?
Progressive has the cheapest monthly rate for motorcycle insurance in New Jersey at $19.
Compare Motorcycle Insurance Quotes in New Jersey
Best cheap motorcycle insurance in New Jersey
To help you find the best cheap motorcycle insurance in New Jersey, ValuePenguin compared quotes from seven top companies across 62 of the largest cities in New Jersey.
We ranked the best motorcycle insurance companies in NJ based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance in New Jersey
The cheapest motorcycle insurance in New Jersey comes from Progressive, which sells policies for an average of $19 per month. Markel has the highest rates in New Jersey, at $34 per month.
The average cost of motorcycle insurance in New Jersey is about $25 per month, making Progressive 32% cheaper than average.
Generally, the typical cost of coverage in New Jersey is less expensive than the national price of motorcycle insurance — the typical price nationwide is $33 per month.
Compare Motorcycle Insurance Quotes in New Jersey
We always recommend insurance shoppers compare rates from multiple companies, as every person will find different prices based on their age, riding history and more.
Cheapest motorcycle insurance companies in New Jersey
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $19 | |
| Dairyland | $22 | |
| Harley-Davidson | $24 | |
| Allstate | $24 | |
| Geico | $29 | |
Best motorcycle insurance for most people in New Jersey: Progressive
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Progressive is the best motorcycle insurance for most New Jersey riders. On average, Progressive has the cheapest rates of any of the motorcycle insurers in the state. And its motorcycle insurance includes a few extra features without requiring you to upgrade.
The average cost of motorcycle insurance from Progressive is $19 per month — 26% cheaper than the typical price of coverage in New Jersey.
Also, your rates 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.
Progressive offers the best selection of extra coverage options of any company in New Jersey.
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
Best insurance for motorcycle touring: Harley-Davidson
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Editor rating
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Monthly rate
$24 ?
Pros and cons
If you primarily ride your motorcycle on long-distance touring trips, Harley-Davidson is a great option. It offers many hard-to-find coverages that are useful on the road, especially trip interruption. This pays for lodging and other necessities if your bike breaks down or is damaged in a crash.
Harley-Davidson also offers coverage for extra custom equipment, as well as safety apparel like motorcycle jackets.
Prices at Harley-Davidson are slightly cheaper than average in New Jersey. Its typical rate of $24 per month is $1 less than the state average.
The biggest downside to Harley-Davidson insurance is that you can't bundle it with auto or home insurance. Bundling your motorcycle insurance with other policies can save you up to 10% each year, so it's worth comparing quotes from other insurers to see how much you'll save.
Best for NJ riders with military ties: USAA
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Editor rating
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Monthly rate
$18 ?
Pros and cons
USAA doesn't sell its own motorcycle insurance. It partners with Progressive to provide excellent coverage to its members. USAA members get a 5% discount, along with any other Progressive discounts they qualify for. The discount isn't huge, but USAA members get an added discount on top of Progressive's already affordable rates.
Progressive is our top pick overall in New Jersey, and it has excellent claims service and lots of coverage options available.
Only military service members, veterans and some of their family members can get motorcycle insurance from USAA. But riders who don't qualify can still buy a policy from Progressive.
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 on your driver’s license 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 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 large city for motorcycle insurance is Newark, where rates are more than $40 per month. On the other hand, the cheapest was Bernardsville, where monthly policies cost about $22 on average.
City | Monthly cost | % from average |
|---|---|---|
| Allentown | $23 | -9% |
| Annandale | $23 | -11% |
| Atlantic City | $31 | 23% |
| Bayville | $24 | -4% |
| Bernardsville | $22 | -15% |
Compare motorcycle insurance in New Jersey vs other states
Methodology
To find the best cheap motorcycle insurance in New Jersey, ValuePenguin collected 372 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
ValuePenguin's motorcycle insurance company ratings are based on overall assessments of the company's nationwide rates, optional coverage offerings and customer service quality.
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.