Who Has the Best Cheap Motorcycle Insurance in New Jersey?
Progressive has the cheapest motorcycle insurance in New Jersey, at $19 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in New Jersey
Best cheap motorcycle insurance in NJ
How we chose the top companies
Cheapest motorcycle insurance in NJ
Progressive has the cheapest motorcycle insurance in New Jersey.
A full coverage policy from Progressive costs around $19 per month, which is 21% less than the state average.
Find Cheap Motorcycle Insurance Quotes in New Jersey
The average cost of motorcycle insurance in New Jersey is about $24 per month for full coverage. That's 27% less expensive than the national price of motorcycle insurance, $32 per month.
Cheapest NJ motorcycle insurance companies
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $19 | |
| Dairyland | $22 | |
| Allstate | $24 | |
| Harley-Davidson | $24 | |
| Geico | $29 | |
Best motorcycle insurance in NJ for most people: Progressive
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Editor's rating
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Cost: $19/month
Overview
Pros/Cons
Progressive's low rates, great coverage and minimal customer complaints make it the best choice for most people in New Jersey.
Progressive has the best motorcycle insurance for most New Jersey riders. It has the cheapest rates in the state, and its full coverage insurance includes a few extra features at no additional cost.
When you get a Progressive policy with comprehensive and collision coverage, it automatically includes:
- Replacement cost coverage for parts
- $3,000 of accessories and custom parts coverage
- Original manufacturer parts (OEM) coverage
If you want to upgrade your motorcycle insurance further, you can add more coverage for an extra fee, such as:
- New bike replacement
- Roadside assistance and trip interruption protection
- Carried contents coverage
- Up to $30,000 of accessories and custom parts coverage
However, Progressive doesn't offer rental reimbursement, which pays for a rental car while your motorcycle is in the repair shop after an accident.
This is a fairly common coverage add-on, and could be important if you use your motorcycle to commute or run errands. If you do worry about paying for a rental after a crash, you should consider Dairyland.
Progressive typically does a good job of getting riders back on the road quickly after an accident.
Progressive gets around half as many complaints as an average company its size, which suggests people are typically happy with their experience with this company.
Best bike insurance in NJ for daily riders: Dairyland
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Editor's rating
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Cost: $22/month
Overview
Pros/Cons
Dairyland offers important coverage add-ons if your motorcycle is your main vehicle.
Dairyland is the best choice if you use your motorcycle to get to work or run errands.
That's because it offers rental reimbursement and roadside assistance, which can help keep your life on track if something happens to your bike.
- Rental reimbursement pays for a rental car while your motorcycle is in the repair shop after a crash, regardless of whose fault it is.
- Roadside assistance helps pay for emergency services if you're stranded on the side of the road. With Dairyland, this includes 24/7 towing, battery jumpstarts, flat tire replacement, locksmith services and fuel, oil or coolant delivery.
Dairyland is also a great choice if you have a newer bike and want to ensure it's replaced with a brand new model after an accident.
Dairyland offers this coverage, called replacement cost, if your bike is less than three years old. Most other companies only offer it for motorcycles that are one to two years old.
However, Dairyland doesn't offer popular coverages for people who travel with their motorcycles. For example, you can't get trip interruption coverage or trailer coverage.
In addition, Dairyland gets nearly twice as many customer complaints as an average insurance company its size. Most complaints are about its long claims process, which means it could take longer to fix your motorcycle after an accident if you choose Dairyland.
Best for NJ riders with military ties: USAA
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Editor's rating
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Cost: $18/month
Overview
Pros/Cons
USAA's affordable rates and excellent coverage make it the best choice for riders with military ties.
USAA doesn't sell its own motorcycle insurance. Instead, it partners with Progressive to provide excellent coverage to its members.
USAA members get a 5% discount, which brings Progressive's already-cheap rates down to $18 per month, on average.
Progressive is the top motorcycle insurance company in New Jersey, and it has very few customer complaints and lots of coverage options available.
Note that only military service members, veterans and some of their family members can get motorcycle insurance from USAA. However, riders who don't qualify can still buy a policy from Progressive.
NJ motorcycle insurance costs by city
Newark is the most expensive large city for motorcycle insurance in New Jersey.
People living in Newark pay an average of $39 per month for full coverage. Rates are typically higher in larger, denser cities, where more traffic and higher theft rates mean riders are more likely to make a claim.
Bernardsville, Chester, Hillsborough and Mount Olive have the cheapest rates, compared to other large New Jersey cities, at just $19 per month.
Average NJ motorcycle insurance quotes by city
City | Monthly cost | % from average |
|---|---|---|
| Allentown | $21 | -11% |
| Annandale | $20 | -14% |
| Atlantic City | $30 | 26% |
| Bayville | $23 | -3% |
| Bernardsville | $19 | -17% |
Does NJ require motorcycle insurance?
New Jersey motorcycle owners are required by state law to have at least 25/50/25 of liability coverage. You’re also required to have uninsured motorist bodily injury and pedestrian personal injury coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Pedestrian personal injury : $250,000
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
What are New Jersey's motorcycle laws?
In New Jersey, you’ll need to have a valid motorcycle endorsement or license, unless you ride a low-speed motorcycle with an engine smaller than 50cc.
You’re also required to wear a helmet with a chin strap that's approved by the Department of Transportation.
Motorcycle endorsements on your driver’s license are easy to get in New Jersey. You can take a basic rider course if you're under 18 years old, but adults can also take the course if they wish. You’ll then have to practice riding for 20 days using a preliminary examination permit. After you pass a road test, you’ll pay a fee and get 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 get a probationary license, you have to have it for a year before you can get a motorcycle license.
Frequently asked questions
How much is motorcycle insurance in NJ?
The average cost of motorcycle insurance in New Jersey is $24 per month for a full coverage policy. However, most people can find cheaper rates from Progressive and Dairyland.
What are the best motorcycle insurance companies in NJ?
Progressive is the best motorcycle insurance company in New Jersey for most people. It offers a combination of cheap rates, excellent coverage and good customer service. Dairyland is the best choice for people who ride their motorcycles every day, while USAA is the best option for riders with military ties.
Methodology
To find the best cheap New Jersey motorcycle insurance companies, ValuePenguin collected over 300 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, discounts and customer service quality.
The ValuePenguin team has a combined total of more than 50 years experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
