Unbiased Motorcycle Insurance Company Reviews

Comparing Motorcycle insurance quotes from top companies online is a great way to find the cheapest insurance rates. After all, why ride all around town when you can get Motorcycle insurance quotes online? The more quotes you get, the more chances you have to save and ride. Get started now!

Enter Your Zip Code
To Get Your Free Quote Now!

New Jersey Motorcycle Insurance Requirements

New Jersey Motorcycle Insurance Requirements

New Jersey is located in the Northeastern region of the United States. Although it is one of the smallest states by area, it is one of the most populated. Of all 50 states, it is the single most densely populated state. According to community surveys conducted in 2012, it is the second wealthiest state in regards to median household income. New Jersey has been nicknamed “The Garden State” since Abraham Browning (of Camden) gave it this nickname while giving a speech at the Philadelphia Centennial exhibition on New Jersey Day.

Despite being one of the wealthiest states, it also has residents that are taxed the highest in the entire country. The only current popular professional sports team in this state is the Devils hockey team. This state’s economy is largely geared around the pharmaceutical industry, financing, telecommunications, publishing, food processing, and tourism. It also is known for its agricultural production of various foods including cranberries and blueberries. Many are also attracted to Atlantic City in which there are casinos for gambling.

New Jersey Motorcycle Insurance Requirements

Do you want to cruise through the state of New Jersey on your motorcycle? Have you thought about getting a motorcycle? Anyone that drives a motorcycle in this state must follow the regulations when it comes to insurance. Each state has different financial responsibility requirements that must be met before you can cruise away on your motorcycle.

How to Establish Financial Responsibility in NJ

In order to legally ride a motorcycle in the state of New Jersey, you must first establish financial responsibility. The only way to establish financial responsibility is to purchase an insurance policy that meets the state’s requirements.

All policies in New Jersey must include liability insurance, personal injury protection, and uninsured motorist coverage. This is more coverage than is required in most states, but is necessary if you want to operate a motor vehicle.

  • Purchase Insurance – You will need to buy a valid insurance policy from a state-authorized carrier. This policy needs to have liability, PIP, and UM coverage included. Providers will make sure that you have sufficient coverage before you drive.

Note: There are not any alternatives to insurance in this state. This means you must buy and maintain insurance whenever you drive.

Motorcycles / Two-Wheeled Vehicles Defined

Even though you may know the classification of your 2-wheeled vehicle, there are many individuals that get confused about the type of vehicle they own. Below are various definitions for you to read so that you can understand your vehicle’s classification. If you are still confused after reading the state’s definitions, you can contact a representative at the New Jersey Motor Vehicle Commission (MVC) at the following number: (888)-486-3339. They have a team of experts that are trained to help you understand whether you need to register and insure your vehicle.

Motorcycle: According to the New Jersey legal system, a motorcycle can be a motor bike, a bicycle with a motor attached, or any motor-operated vehicle of the bicycle or tricycle type. The motor power can be part of the vehicle or attached. The vehicle must have a seat or saddle for the driver to sit upon. Note: Motorized bicycles are excluded from this definition.

Motorized Bicycle: A pedal bicycle with a helper motor that is electric or gas powered. These must not exceed 25 mph on a flat surface and must have no more than 1.5-brake horsepower or exceed 50 cc engine displacement. Note: These are commonly referred to as “mopeds.”

Scooter: These are basically considered low-powered motorcycles. They have a platform for the feet and a seat for the driver to sit upon. Regardless of motor size, they are grouped into the classification of “motorcycles” in New Jersey. These will need to be registered and insured.

New Jersey Motorcycle Insurance Minimum Requirements

Below are the minimal insurance requirements that your policy must meet if you plan on driving a motorcycle on public roads. As you can see, you need liability protection to help in the event that you would injure another person and/or damage property. Additionally, you must have protection for uninsured motorists and personal injury protection coverage.

Liability Insurance:

  • $15,000 bodily injury per person

  • $30,000 bodily injury per accident

  • $5,000 property damage per accident

Uninsured Motorist Insurance:

  • $5,000 per accident

Personal Injury Protection (PIP) Insurance:

  • $15,000 PIP per person (per accident)

Note: You have the option of getting $250,000 PIP. This type of coverage helps pay for any medical injuries that are sustained.  This would be put towards medical expenses for severe injuries such as surgery or brain damage. This is a limit that many insurance companies offer if you are interested.

New Jersey Laws: Safety & Licensing Requirements

Each state has specific laws that must be followed in regards to the usage of helmets and protective eye-wear. You should read below and keep the rules in mind before you take out your motorcycle. Additionally, you should make sure that you have the necessary licensing to operate your two-wheeled vehicle.

  • Helmets: All drivers (and passengers) are required to wear helmets. Helmets must be in compliance with the FMVSS 218 standard and must have reflectors attached.
  • Eye Protection: All drivers are required to wear eye protection while operating their motorcycle. The only exception to this law is if the motorcycle has a windshield or screen protecting the eyes.
  • Licensing: You have the option of either getting a Motorcycle M Endorsement on your driver’s license, a separate Class E License, or a Motorcycle Permit. To obtain proper licensing, you will need to complete state licensed testing. This includes a written test as well as a road skills test.

Proof of Insurance in NJ

Anytime you are out driving your motorcycle, you need to make sure that you carry proof of insurance. Without any proof, law enforcement will assume that you don’t have sufficient coverage. It is recommended to always keep your official insurance card in your wallet or somewhere in your motorcycle storage so that it is always available.

  • Insurance Card: All insurers will issue customers an insurance identification card with policy information after they purchase a policy.
  • Insurance Certificate: If you have self-insurance, you will have certification that shows your policy information.

Note: Simply having something like a receipt is not a valid form of proof. Your insurer will instruct you to keep your insurance identification with you at all times. This card is necessary if you ever get into an accident.

Penalty for Driving Without Insurance in NJ

There are some strict penalties for thinking you can get away with driving without insurance. If you are pulled over and cannot show proof of coverage, you will likely end up facing the consequences listed below. If you commit multiple offenses, the penalties will increase in severity. To avoid these penalties, make sure you always carry proof of insurance.

  • Fines: You will be automatically fined $300 for not having insurance.
  • Suspensions: Your driver’s license will be suspended for a minimum of 1 year.
  • Community Service: You may receive an additional penalty of community service hours that need to be fulfilled.

New Jersey Motorcycle Insurance Companies

There are a wide variety of insurance providers to choose from in the state of New Jersey. When looking for a policy, your goal as a consumer is to compare the amount of coverage you will get with the rate that you will be charged. The key is to narrow down your search to providers that provide coverage that you need for a price that you can afford. You may also want to take the time to read some unbiased company reviews on this website.

You can use the free Zip Code search below (or at the top of the page) and you’ll be shown a list of the leading providers in your area. It is up to you to fill out a few forms and collect some quotes. It is completely free to use the search and get yourself some quotes. Eventually you should be able to narrow down your search to a company that you can trust for your insurance in Jersey!

Leave a Comment

Your email address will not be published. Required fields are marked *

Choose a Rating