Getting motorcycle insurance doesn’t have to be intimidating if motorcyclists know what to look for when comparing policies and evaluating carriers in New Jersey. There are countless motorcycle insurance carriers in New Jersey, from common household names like Progressive, Allstate, and Geico to local insurance agencies.
What matters most when getting a policy is meeting minimum coverage requirements without breaking the bank, which is why getting quotes from several carriers is wise. In addition to comparing quotes, motorcyclists can read reviews from policyholders and ask insurance agents detailed questions about what would be covered after an accident. Motorcyclists can broaden policies to include more than just liability coverage, though this may increase their monthly premiums.
For a free and confidential case review from New Jersey motorcycle lawyer Jerry Friedman, call 1-800-529-4464.
What Are Some of the Best Motorcycle Insurance Carriers in New Jersey?
In New Jersey, the minimum coverage requirements for motor vehicle liability insurance, including motorcycle coverage, are set by N.J.S.A. § 39:6B-1.
Insurance Minimum Requirements
For all policies purchased or renewed after January 1, 2023, motorcyclists must carry at least $25,000 per person for bodily injury or death, $50,000 per accident for bodily injury or death, and $25,000 per accident for property damage. To meet these requirements and further protect yourself, you must get an insurance policy, and there are many providers to choose from.
Large Insurance Agencies
Motorcycle insurance is separate from car insurance, though you might be able to get a policy through your car insurer. For example, if you have a personal injury protection insurance policy with any major insurance provider, like Progressive, Geico, Allstate, Nationwide, or State Farm, you could request a quote for motorcycle insurance. These insurance companies might allow you to bundle multiple policies to save on premiums while remaining compliant with New Jersey insurance requirements.
While dealing with bigger insurance companies has perks, there are also cons, like less one-on-one time with adjusters when reviewing policies and premiums.
Local Insurance Agencies
Bikers do not only need to consider household names when getting motorcycle insurance, but can request quotes from local agencies in New Jersey as well. This might allow for more personalization regarding your insurance policy, especially if you want to add coverage to minimum liability requirements, like uninsured or underinsured motorist (UM/UIM) coverage.
New Jersey motorcyclists need liability insurance and are notably excluded from the no-fault system. If a negligent driver hits you, you cannot use your normal personal injury protection insurance to cover your damages. Additional coverage, like UM/UIM coverage, can protect you in these situations, especially if the other motorist does not have insurance or flees the scene.
How to Choose the Best Motorcycle Insurance Carrier for You
In the event of an accident, you may have to rely on your motorcycle insurance carrier to process claims and help you move forward quickly. Because of this, picking the right provider is important, which is why motorcyclists should get and compare several quotes, ask questions before signing policies, read reviews from other policyholders, and have a clear idea of their coverage requirements and desires.
Get Multiple Quotes
Start by asking for at least three quotes from several motorcycle insurance carriers in New Jersey, if not more. Even if you give them the same information, they might present you with different premiums for the same basic coverage, which can influence how you proceed with your search. When getting your initial quotes, you can approach insurance companies of different sizes to gauge which might offer you the best service, discounts, and premiums.
Ask Insurance Agents Questions
Don’t be afraid to ask insurance agents questions about quotes and policies. You should fully understand what your policy covers and how the insurance company calculates your monthly premiums. At the very least, make sure you ask questions about what is covered in the event of an accident, as this is the primary reason for getting motorcycle insurance in New Jersey.
Assuming certain damages are covered only to find out they are not could leave you in a difficult situation after an accident. If the insurance adjuster refuses to answer your questions or fails to give you the clarity you need, that could be a sign to use a different carrier.
Read Reviews from Policyholders
Online reviews are a great way to gauge policyholders’ experiences with an insurance carrier. Look for reviews about how the insurance company handled accident claims and communicated with policyholders. You can also ask fellow bikers in your area about their experiences with insurance carriers and which they would recommend.
Check the Insurance Carrier’s Financial Strength
Not every insurance carrier has the funds to compensate injured motorcycle riders adequately. If an insurance carrier has a history of financial instability, you might find yourself without enough financial compensation to cover your damages after a bad accident. Check customer reviews and information about legal disputes with the company to determine whether they are financially stable.
Consider your Coverage Needs
New Jersey only requires motorcyclists to have the minimum liability insurance; any additional coverage is up to them. A basic motorcycle liability insurance policy will not cover the motorcyclist’s damages; liability insurance covers damages caused by the policyholder and incurred by another driver.
Getting a comprehensive policy would cover accidents and non-accident events like theft, weather, or vandalism. Motorcyclists can add medical coverage to their policies to cover hospital expenses if injured in an accident.
Because motorcycles need frequent repairs and are often compatible only with certain parts, bikers can also get coverage for replacing custom parts and equipment.
Look for Insurance Discounts
When you start adding coverage to basic motorcycle insurance policies, some agencies might offer better discounts or bundles, so comparing policies and quotes is important.
While getting minimum coverage might be the cheapest option, expanding your policy to cover other events can make navigating the aftermath of accidents easier. Keep in mind that New Jersey’s minimum motor vehicle liability insurance amounts increase periodically and are set to rise again in 2026.
Notable Motorcycle Insurance Carriers
Below are some of the most well-known and notable insurance providers that you may consider before buying motorcycle insurance.
Progressive
Progressive is one of the largest insurance carriers in the country and is often regarded as stable and trustworthy. This provider offers various forms of coverage common for motorcycles in addition to other coverage options, such as coverage for damaged riding apparel, like helmets.
GEICO
GEICO is another large, national insurance carrier that is considered stable and trusted. GEICO often advertises as being more budget-friendly, and you may consider it if you need insurance but are on a tighter budget.
State Farm
State Farm is another very large insurance carrier and is arguably one of the most popular choices for auto and motorcycle insurance. This company insures numerous types of motorcycles and offers a wide range of coverage. State Farm often advertises that an agent is available to help at almost any time.
Allstate
Allstate, one of the nation’s largest insurance carriers, offers a broad range of coverage and policies for your motorcycle. They also offer various motorcycle insurance discounts that can help make things more affordable, such as a good rider discount or discounts for insuring multiple motorcycles.
FAQs About Motorcycle Carriers in New Jersey
How Do I Pick the Best Motorcycle Insurance for Me?
To pick the best motorcycle insurance carrier, you must consider important factors, including your coverage needs, your budget, and whether any insurance carriers can actually pay out a claim.
Is a National or Local Motorcycle Insurance Carrier Better?
Whether a national or local motorcycle insurance carrier is better depends on what you want. While national carriers often have greater financial resources, local carriers may offer more personalized services.
What Are Red Flags in a Motorcycle Insurance Company
When looking for an insurance carrier, be wary of red flags such as numerous bad reviews, financial instability, and only limited coverage options. These may be signs that an insurance carrier will be more harmful than helpful.
How Much Motorcycle Insurance Do I Need?
You must have motorcycle insurance that meets the minimum requirements set by law. You may choose to purchase additional coverage and optional policies to give yourself more protection.
Is Good Motorcycle Insurance More Expensive?
Generally, good insurance from a quality insurance carrier tends to be more expensive than cheaper coverage from a dodgy provider. While this can be frustrating for those on a budget, it is important to remember that you get what you pay for.
Can I Get Good Motorcycle Insurance on a Budget?
Yes. Many insurance carriers offer complimentary perks or even discounts to make your coverage more affordable.
Call Jerry for Help with Your Case in New Jersey
Call Fairview, NJ motorcycle lawyer Jerry Friedman at 1-800-529-4464 for a free case assessment.