Who Has the Best Cheap Motorcycle Insurance in New Jersey?

Although mandatary for riders in New Jersey, motorcycle policy does n’t have to be expensive. We obtained hundreds of quotes from across the department of state and found the cheapest annual rate for motorbike insurance to be $ 411 .

Compare Motorcycle Insurance Quotes in New Jersey

presently insured ? After researching hundreds of insurers and quotes, we found some of the best motorcycle insurers in New Jersey. To pair with providers near you, use the batten quotation box above or keep reading our comparison of New Jersey ‘s lead motorcycle policy companies .

Best motorcycle insurance for most people: Geico

GeicoGet a Quote Geico ‘s low-cost rates make it a great paroxysm for most motorcycle owners. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/geico-5 ”, ” description ” : ” Geico ‘s low-cost rates make it a big fit for most motorbike owners. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” yoke ” : ” hypertext transfer protocol : \/\/www.geico.com\/ ”, ” name ” : ” Geico ”, ” hideBanner ” : faithlessly, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : truthful, ” title ” : ” Geico ” }
The best motorcycle indemnity for most New Jersey riders is Geico. On average, we found that Geico has by far the cheapest rates of any of the motorcycle insurers we surveyed in the state. additionally, its accessory features and quality customer service make it a provider most people should consider .
The average cost of motorcycle insurance from Geico is $ 411 per year — 37 % cheaper than the distinctive price of coverage in New Jersey .
In addition to having the most low-cost motorbike insurance in New Jersey, Geico offers a few ways to promote reduce the price of your premium. You could qualify for a deduction if you :

  • Also have auto insurance with Geico.
  • Insure more than one bike or moped.
  • Complete a motorcycle safety course.
  • Renew your policy before it expires.
  • Switch from another insurer.

While Geico ‘s motorbike indemnity comes with the standard types of coverage that are included by most other providers, you can upgrade your protection by adding wayside aid and accessories coverage .
Geico ‘s customer military service is besides noteworthy. According to an analysis by the National Association of Insurance Commissioners ( NAIC ), Geico receives fewer complaints than median relative to its size. however, since the NAIC does n’t distinguish motorbike insurance from car indemnity, motorcycle-only complaints may slightly differ .

Most complete motorcycle insurance: Progressive

ProgressiveGet a Quote Progressive ‘s many coverage features make it worth its slenderly higher-than-average price. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/progressive-2 ”, ” description ” : ” Progressive ‘s many coverage features make it worth its slightly higher-than-average price. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connect ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.progressive.com\/auto\/ & carrier=Progressive ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Progressive ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” Progressive ” }
liberal gives riders the best probability to maximize their motorcycle indemnity coverage. progressive offers the most endorsements of any of the companies we surveyed in New Jersey. furthermore, its motorbike insurance includes a few premium features without requiring you to upgrade .
A standard motorbike indemnity policy from Progressive includes replacement cost coverage and $ 3,000 of protection for accessories and custom-made parts with comprehensive examination coverage. If you want to enhance your motorcycle policy, you can add more coverage for custom and master equipment manufacturer parts, along with :

  • Total loss coverage.
  • Roadside assistance and trip interruption protection.
  • Carried contents coverage.
  • Accessories and custom parts coverage.
  • Trip interruption.

At $ 666 per year on average, Progressive ‘s motorbike indemnity is more expensive than average in New Jersey, but only by $ 13 per year. besides, your premium may be lower if you qualify for any of Progressive ‘s many discounts, like those for motorbike license holders, responsible drivers and customers who sign up for automatic payments .

Best for motorcycle enthusiasts: Rider

RiderGet a Quote Rider ’ sulfur motorcycle indemnity caters to people passionate about their bikes. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” engage ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/rider-1 ”, ” description ” : ” Rider\u2019s motorbike insurance caters to people passionate about their bikes. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” liaison ” : ” hypertext transfer protocol : \/\/www.rider.com\/ ”, ” mention ” : ” rider ”, ” hideBanner ” : assumed, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” claim ” : ” rider ” }
Rider ‘s motorcycle insurance is a capital fit for enthusiasts who want coverage from a specialization provider in New Jersey. Rider ‘s policies are tailored to the needs of people who take their bikes on long trips and who have been riding for a while .
You can upgrade your motorbike insurance with Rider by adding up to $ 8,000 of accessories coverage, roadside aid and reimbursements for meals and lodging if you get stuck while on a long ride. additionally, you can add comprehensive examination and collision coverages .
passenger offers the widest range of discounts from any insurance company we surveyed. Along with early ways to save, you could reduce your premium by :

  • Completing a safety course.
  • Owning a home.
  • Having at least three years of riding experience.
  • Being part of a riding group.
  • Having a motorcycle license.
  • Installing anti-theft and security devices.
  • Being claims-free for five years.

Best motorcycle insurance companies in New Jersey

As you shop for motorcycle insurance, be indisputable you ‘re informed about a company ‘s customer service repute. To find which ship’s company has the best customer service, we compared data reported by the National Association of Insurance Commissioners about the phone number of complaints the companies in our study received .
A company ‘s Complaint Index is calculated by dividing the complaints it receives by its market share. A number greater than 1.0 signifies that the insurance company gets more complaints than its size suggests. For case, an insurance company with a 0.5 Complaint Index receives about half of its expect complaints .
The company with the best customer service is Progressive, which has a Complaint Index of 0.33. Dairyland’s Complaint Index of 2.69 was the worst of the providers we surveyed .


NAIC Complaint Index


Allstate 0.76 A+
Dairyland 2.69 A+
Geico 0.64 A++
Progressive 0.33 A+
Rider 1.62 A-
USAA 0.98 A++

Cheapest motorcycle insurance in New Jersey

The average cost of motorcycle insurance in New Jersey is about $ 653 per year, but we found prices that were over $ 1,000 in some places .
generally, the typical cost of coverage in New Jersey is less expensive than the national price of motorcycle insurance .
The cheapest motorcycle policy in New Jersey comes from Geico, which sells policies for an average of under $ 411. normally, it ‘s most expensive for New Jerseyans to get coverage from Dairyland .
A bar graph showing the average costs of motorcycle insurance in New Jersey
A bar graph showing the average costs of motorcycle insurance in New Jersey

Compare Motorcycle Insurance Quotes in New Jersey

presently insured ?


Average cost

% difference from statewide average

Geico $411 -37.1%
Allstate $650 -0.5%
Progressive $666 2.0%
Dairyland Insurance $886 35.6%

What are New Jersey’s motorcycle insurance requirements?

New Jersey motorcycle riders are required by state law to carry liability, uninsured motorist and property damage coverage. The state requires each rider to have the follow levels of policy :



Bodily injury liability $15,000 per person/$30,000 per accident
Personal injury protection $15,000 per person/$30,000 per accident
Uninsured motorist coverage $15,000 per person/$30,000 per accident
Property damage liability $5,000

What are New Jersey’s motorcycle laws?

Riders in New Jersey must carry a valid motorcycle endorsement or license unless they ride a low-speed motorcycle with an engine smaller than 50 cubic centimeters. You must wear a helmet with a chin strap that ‘s been approved by the Department of Transportation, besides .
motorbike endorsements are easy to get in New Jersey. You can enroll in a basic passenger path if you ‘re under 18 years old, but adults can besides take the path if they wish. You must then practice riding for 20 days using a preliminary interrogation permit. then, after you pass a scheduled road test, you pay a fee and obtain your motorcycle sanction .
If you do n’t have a even driver ‘s license, you have to ride with a motorbike permit for three months to prepare for a road test. Once you obtain a probationary license, you must carry it for a year before you qualify for a motorcycle license .

Motorcycle insurance rates in New Jersey by city

Our data analysis allowed us to compare the average cost of motorcycle insurance in many of New Jersey ‘s cities. Below, we ‘ve displayed these results along with each city ‘s relationship to the state ‘s mean cost of coverage. Cities are organized by size .
In New Jersey, the most expensive city for motorbike insurance we surveyed is Newark, where rates are more than $ 1,000. On the other hand, the cheapest city we found was Chester, where policies cost about $ 500 on median .



Difference from statewide average

Allentown $561 -14.2%
Annandale $564 -13.7%
Atlantic City $839 28.4%
Bayville $622 -4.8%
Bernardsville $551 -15.7%

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How did we choose the best motorcycle insurers?

In addition to monetary value, we checked the policy features and customer service of motorbike insurers across New Jersey. We collected about 250 quotes from motorbike companies in New Jersey using addresses located across the express. Our review uses rates sourced for a sample profile of a 45-year-old marital homeowner who drives a 2021 Harley-Davidson FLHX Street Glide.

Our profile elected for more protection than what ‘s legally mandated in New Jersey, but it ‘s a good estimate to purchase enough indemnity to protect the full prize of your assets quite than merely comply with the law ‘s minimal requirements .
The rates that we obtained were based on these coverage limits :

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: included/$500 deductible
  • Comprehensive coverage: included/$500 deductible
  • All other coverages: not included

As your own rates will be influenced by your personal indemnity history, location, motorcycle model and coverage elections, your rates may differ from ours .

source : https://shoppingandreview.com
Category : News


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