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New Jersey Motorcycle Insurance

General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for New Jersey

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in New Jersey. All of our policies insure individuals for recreational use only.

All of our insurance policies include the following:

All policies, excluding moped policies, include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured or underinsured motorist who is at fault for an accident. In return for a lower premium, reduced limits are available upon request.

Each policy protects you if another person, including your passenger, makes a claim that they suffered bodily injury or property damage from an accident that was your fault. You have no obligation to the injured party unless the damages exceed your policy limit.

Your policy of insurance provides Personal Injury Protection (PIP) according to the laws of each state. In New Jersey, PIP benefits apply only to pedestrians when struck by a motorcycle. PIP pays the cost of treatment up to $250,000 for the pedestrian from hospitals, doctors, and other medical providers.

Insurance Coverage Packages & Options

The State of New Jersey requires that all motorcycle operators carry minimum liability coverage. The State of New Jersey minimum requirements are $15,000 bodily injury, $30,000 each accident, and $5,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options higher than the standard liability limits.

$25,000 Bodily Injury - Each Person
$50,000 Bodily Injury - Each Accident
$10,000 Property Damage

$50,000 Bodily Injury - Each Person
$100,000 Bodily Injury - Each Accident
$25,000 Property Damage

$100,000 Bodily Injury - Each Person
$300,000 Bodily Injury - Each Accident
$50,000 Property Damage

$250,000 Bodily Injury - Each Person
$500,000 Bodily Injury - Each Accident
$100,000 Property Damage

Comprehensive:
Also known as “Other than Collision”, comprehensive is when damage is caused by any of the following: breakage of glass, contact with a bird or animal, explosion or earthquake, fire, hail, water, flood or wind, lightning, malicious mischief or vandalism, missile or falling object, riot or civil commotion, smoke or theft. Policy limit for comprehensive coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for comprehensive coverage.

Collision Coverage: 
Pays for covered losses caused by impact with another vehicle or object. Policy limit for collision coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for collision coverage.

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.

  • Towing up to 35 miles
  • Mechanical or electrical breakdown
  • Battery Jumpstart
  • Flat tire towing (up to 35 miles)
  • Lockout
  • Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

Up to $8,000 in accessory coverage is included on all policies with physical damage coverage, insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the $45,000 limit on comprehensive or collision coverage.

This coverage is provided on all vehicles with physical damage coverage. It provides coverage for damage to your motorcycle safety helmet and/or safety apparel resulting from a covered collision loss. It also provides trip interruption coverage for meals and lodging when resulting from an insured peril.

Multi Bike Discount

A discount applies to all policyholders who have more than one covered vehicle on their policy at the same time.

Transfer Discount

A discount is offered on all non-sport bikes transferring coverage from another insurance company to Rider with no more than a 30-day lapse in coverage.

Preferred Operator Discount

A discount is offered to any applicant with a motorcycle driver license, age 26 and over, with a clean driving record, insuring a non-sport / non-high performance motorcycle, 576cc and over, with physical damage coverage. ***Rider offers Accident and Ticket Forgiveness for a minor violation or accident. We will forgive 1 two point violation or 1 at fault accident with a payout of less than $2000.

Sport Bike Safe Driver Discount

A discount is offered to any applicant, age 35 and over with a clean driving record, who is insuring a sport / high performance motorcycle, 551ccs and over with physical damage.

Important: Information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining actual terms, conditions and exclusions which apply to a specific insurance policy.