New Jersey Motorcycle Insurance
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New Jersey’s Motorcycle Insurance Experts Since 1971
For more than 50 years, Rider Insurance has been New Jersey’s motorcycle insurance expert — protecting Garden State riders with coverage built for motorcyclists by motorcyclists. Founded by a rider in Springfield, New Jersey, we’ve grown into one of the most trusted motorcycle insurance companies in New Jersey, known for reliable protection, competitive rates, and a deep understanding of local riding conditions.
Whether you’re cruising the Jersey Shore, carving through the Pine Barrens, or commuting into the city, Rider offers affordable motorcycle insurance in NJ that’s tailored to how and where you ride. With our local expertise and the added strength of Plymouth Rock, you can bundle your motorcycle, auto, home, renters, or condo insurance under one roof for maximum savings.
Get your free New Jersey motorcycle insurance quote today and see why thousands of riders have trusted Rider for over five decades. Click here or call 833-707-4337.
Motorcycle Insurance in New Jersey | Rider Insurance
Finding the right motorcycle insurance in NJ shouldn’t be complicated. Rider Insurance offers flexible protection and budget-friendly options for all types of motorcycles — from cruisers and sport bikes to touring, dirt, and off-road vehicles. Whether you need a cheap motorcycle insurance quote, a custom coverage package, or help comparing motorcycle insurance rates in NJ, our local experts make it easy.
Get started online today to compare motorcycle insurance quotes in New Jersey and find the coverage that fits your bike and your budget.
Motorcycle Insurance Coverage Options in New Jersey
We offer comprehensive coverage and specialized benefits that set Rider apart from other motorcycle insurance companies in NJ. Every policy is designed to protect you, your bike, and your gear — with options that can be tailored for any budget or riding style.
Insurance Coverage Packages & Options
- What it covers: Liability insurance covers bodily injury and property damage to the other party in the event of a covered accident deemed your fault.
- Limit: In New Jersey, all motorcyclists are required to carry minimum liability coverage of $25,000 bodily injury, $50,000 each accident, and $25,000 property damage. Rider offers a range of liability options higher than the standard liability limits.
- Eligibility: All motorcycle policies must carry at least the state minimum coverages mentioned above.
- What it covers: This optional coverage pays for covered losses to your motorcycle caused by impact with another vehicle or object.
- Limit: The policy limit for collision coverage is $45,000, subject to deductible and policy exclusions.
- Eligibility: All vehicles must be listed in the J.D. Power Used Car Guide (formerly NADA Used Car Guide) to qualify for collision coverage.
- What it covers: Applies when damage is caused by (1) the breakage of glass, (2) contact with a bird or animal, (3) explosion or earthquake, (4) fire, hail, water, flood or wind, (5) lightning, (6) malicious mischief or vandalism, (7) missile or falling object, (8) riot or civil commotion, or (9) smoke or theft.
- Limit: Up to $45,000, subject to deductible and policy exclusions.
- Eligibility: All vehicles must be listed in the J.D. Power Used Car Guide to qualify for comprehensive coverage.
- What it covers: 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. You can reduce limits to lower your premium.
- Limits: The limits are set at the liability limits that you choose for your policy.
- Eligibility: All Rider motorcycle insurance policies include uninsured/underinsured motorist coverage.
- What it covers: In New Jersey, PIP benefits apply only to pedestrians when struck by a motorcycle.
- Limits: PIP pays the cost of treatment received by the pedestrian from hospitals, doctors, and other medical providers up to $250,000.
- Eligibility: All Rider motorcycle insurance policies include PIP coverage.
- What it covers: Pays medical bills for the operator and passengers in an accident. The coverage is provided regardless of fault.
- Limits: Limit options range from $1,000 to $25,000.
- Eligibility: This is optional coverage which can be added to any Rider motorcycle policy
Available Discounts
Rider offers a multitude of discounts to help you save money on your motorcycle or ATV/Offroad insurance. These discounts were designed with NJ riders in mind. From local safety courses to loyalty savings for long-time Garden State riders, available discounts include:
- Military
- Rider Experience
- Safety Course
- Safety Course Instructor
- 5 years Claim Free
- Pay In Full
- Transfer
- Advance Shopper
- Anti-theft
- Anti-Lock Brake
- eDocuments
- Riding Group
- Group Affinity
- Companion Package
- Homeowner
- Rider Roadside Assistance: 24-hour assistance if your motorcycle is disabled. Coverage includes flatbed towing up to 35 miles, battery jumpstart, mechanical or electrical breakdown assistance, lockout service, emergency fluid delivery (cost of fluids not included), concierge service and an information hotline. Not available for motorcycles used off-road.2
- Helmet Coverage: Our specialized helmet coverage insures safety helmets five years old or less, approved by the Department of Transportation (“DOT”), that are damaged as a result of a covered comprehensive or collision loss, up to $500 per occurrence (subject to the per motorcycle comprehensive or collision deductible).*
- Replacement Cost Coverage: If your new motorcycle is totaled within one calendar year of purchase, Rider will pay up to $45,000 to replace it, provided collision and/or comprehensive coverage applies at the time of loss. This makes Rider one of the best motorcycle insurance options in New Jersey for new bike owners.*
Special benefits for New Jersey Riders
Rider Insurance offers special perks and coverage options you won’t find with most motorcycle insurance companies in NJ:
- Rider Accessory Package* – Motorcycles with comprehensive coverage automatically include up to $8,000 of accessory and customization coverage. This includes damage to accessories, chromed parts and non-standard equipment in the event of a covered motorcycle loss. You also have the option to tailor your policy with increased limits up to $30,000. Not available for ATVs or UTVs.
- Get Home Safe® – Sometimes it’s better to get a ride than operate your own vehicle. We’ll cover your cab fare home once per policy, per year up to $50 if you don’t feel safe riding (excluding mechanical breakdown). 1
- Mobile-Friendly Account Access – Accessing your policy is fast and easy with Manage Your Policy, eDocuments and more.
Affordable Motorcycle Insurance Quotes in New Jersey
Looking for cheap motorcycle insurance quotes in NJ without sacrificing protection? Rider makes it easy to compare rates, choose your coverage, and start riding with confidence.
- Get a free motorcycle insurance quote online in minutes.
- Speak with a local NJ motorcycle insurance agent for personalized help.
- Bundle your motorcycle policy with your auto, home, or renters insurance for added savings.
With over 50 years of experience and thousands of loyal riders, we know what matters most: affordable protection, dependable service, and coverage built by riders — for riders.
Get your New Jersey motorcycle insurance quote today and experience why Rider remains the state’s most trusted name in motorcycle insurance.
*Available to customers who have purchased comprehensive or collision coverage.
Certain restrictions and limitations apply. Refer to the language issued in your policy or speak with your agent for complete details.
1 – Get Home Safe: Policyholders may be reimbursed up to $50 for the cost of a taxi or car service ride once per policy per year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their motorcycle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.
2 – Roadside assistance is provided by Quest Towing Services (QTS). Cost of fluids will be responsibility of policyholder. At no charge to the policyholder, a tow will be provided to any qualified repair facility of policyholder’s choice within a 35 mile radius of the motorcycle’s disablement location. If the policyholder requests to be towed to a destination beyond 35 miles, the policyholder will be responsible to pay the tower at the time of tow the difference in cost from the nearest qualified repair facility within 35 miles and the tow destination they requested. Winching (usually defined as 25 to 30 feet from road depending on tower’s equipment) will be included in the Roadside Services provided for passenger motorcycles. Roadside assistance service for motorcycles does not include services for motorcycles used off-road, trailers used to haul motorcycles, or any service that is reasonably non-accessible to towers. A $75 limit applies to reimbursements for roadside assistance services that were not obtained by contacting QTS. Policyholder is solely responsible for payment directly to the service provider for any fees for accommodations arranged by Concierge Services. A maximum amount of $150 will be reimbursed if the service provider is unable to provide assistance due to specific highway towing restrictions. A copy of the receipt is required.
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.