Motorcycle Insurance for New Jersey
New Jersey motorcycle insurance for riders who actually ride.
From the Palisades Interstate Parkway to the Pine Barrens back roads, coverage that understands how New Jersey riders roll.
New Jersey at a Glance
Requirement | Details |
|---|---|
Minimum liability | 35/70/25 ($35k/$70k bodily injury, $25k property) — raised from 25/50/25 effective January 1, 2026 |
Helmet law | Required for ALL riders and passengers — no exceptions for age or experience |
Lane splitting | No statute explicitly bans it, but riders can be cited under the unsafe-passing and careless-driving laws — treated as effectively illegal |
Eye protection | Mandatory for all riders (unless the bike has a windscreen) |
Registration | Proof of insurance required |
PIP coverage | Motorcyclists are EXEMPT from Personal Injury Protection (unlike car drivers) |
Requirements and regulations may change — verify with the New Jersey Department of Banking and Insurance for the most current information.
What you need to know about Motorcycle Insurance in New Jersey
New Jersey's 35/70/25 Minimum
The state requires $35k/$70k bodily injury and $25k property damage — up from 25/50/25 as of January 1, 2026. We'll help you figure out if that's enough for your bike and your rides.
Custom Builds Welcome
Roamly works with carriers who may insure your garage-built café racer for what it's actually worth — not some database number. Agreed Value coverage options available through our carrier partners.
Rent Your Bike, Keep Coverage
List on Twisted Road or Riders Share without losing your policy. Most insurers won't do this. Roamly works with carriers who may be able to help.
SR-22? We Handle It
Need to get back on the road after a rough patch? Roamly works with carriers that file SR-22s and make the process simple.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Emergency Roadside Service | Dead battery at 2 AM? Through Roamly's carrier partners, roadside assistance options may include flatbed towing and jump starts — because bikes can't be towed like cars. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — your gear keeps you alive. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Peer-to-Peer Rental Coverage. Seriously.
You want to list your bike on Twisted Road while you're traveling. Smart move. Most insurers cancel your policy the second someone else touches your throttle. Read the fine print — there's usually a peer-to-peer exclusion buried in there.
Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms. Your bike, your side hustle, your coverage — still intact.
New Jersey Requirements Without the Legal Speak.
Here's what the state requires: 35/70/25 liability coverage. That's $35,000 per person, $70,000 per accident for injuries, and $25,000 for property damage — the new floor as of January 1, 2026. Helmet and eye protection required for everyone, no exceptions, no matter your age or experience.
That's it. The rest is about protecting yourself and your build. Roamly works with carriers to help you figure out what makes sense for how you ride.
Requirements vary by state — check New Jersey's Department of Banking and Insurance for current minimums.
Your Sweat Equity Has Real Value.
You didn't spend 200 hours building a custom bike to have it valued at stock KBB. Roamly works with carriers who offer Agreed Value coverage — we help document your build so a carrier can insure it for what it's actually worth. Your labor. Your parts. Your vision. Not some adjuster's guess.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. New Jersey law references current as of 2026 — confirm current requirements with the New Jersey Department of Banking and Insurance and the New Jersey Motor Vehicle Commission.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
35/70/25 liability coverage: $35,000 per person / $70,000 per accident for bodily injury, $25,000 for property damage. That floor went up from 25/50/25 on January 1, 2026 — that's the current legal minimum to ride on public roads.
Yes. Always. New Jersey has a universal helmet law — every rider and passenger must wear a DOT-approved helmet, regardless of age or experience level. Eye protection is also mandatory unless your bike has a windscreen.
Liability-only averages around $216/year. Full coverage (adding collision and comprehensive) runs about $660/year. Your actual rate depends on your age, bike, location, and record.
Yes. That's one of the main reasons New Jersey riders choose us. Most insurers exclude rental platforms — check your fine print. We built coverage for how riders actually use their bikes.
Absolutely. We offer Agreed Value coverage — we'll document your mods and insure your bike for what it's actually worth, not some depreciated database guess.
Liability is the legal minimum — covers others if you cause an accident. Full coverage (collision + comprehensive) protects your bike, too. If you're financing, your lender almost certainly requires full coverage.
We handle it. SR-22 is a certificate proving you carry minimum coverage — required after DUI/DWI or riding uninsured. We file it, keep it active, and make the process simple.
New Jersey law specifically exempts motorcyclists from the Personal Injury Protection (PIP) that car drivers get. You'll need to rely on the at-fault driver's liability insurance or your own uninsured/underinsured motorist coverage.
No statute explicitly bans lane splitting in New Jersey, but that doesn't make it legal, either. Riders can still be cited for unsafe passing or careless driving, and insurers frequently use lane splitting to argue a rider shares the blame after a crash.
Still have questions?
Call us at 877.725.1245
New Jersey Motorcycle Insurance Quotes in Minutes
New Jersey motorcycle insurance for riders who actually ride.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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