Iowa motorcycle insurance at a glance: Minimum liability: 20/40/15 UM/UIM: Included by default Helmet: Not required Lane splitting: Illegal No-fault: Not applicable Iowa still lets riders satisfy the law with 20/40/15 liability limits. That keeps you legal. It does not fix your bike, pay your own ER bill, replace your helmet and jacket, or cover …
Missouri motorcycle insurance at a glance: $25,000/$50,000/$25,000 Liability $25,000/$50,000 UM Coverage A 26-year-old rider can legally go without a helmet only if that rider also keeps Chapter 303 financial responsibility and separate medical-benefit coverage for motorcycle injuries. That tells you a lot about how Missouri views motorcycle risk: the state will let you make your …
New Jersey motorcycle insurance at a glance: Minimum liability: 35/70/25 No-fault/PIP: Not for riders Helmet law: Universal Lane splitting: Illegal New Jersey motorcycle insurance is easy to misunderstand. The state raised the minimum liability requirement to 35/70/25 in 2026, but that is where clarity ends. New Jersey operates a no-fault auto insurance system where drivers …
New York motorcycle insurance at a glance: Minimum liability: 25/50/50 Death liability: $50,000/$100,000 Property damage: $10,000 New York is one of the least intuitive motorcycle-insurance states in the country. It is a no-fault auto state, but the operator and passenger of a motorcycle are excluded from No-Fault benefits. That means the rule set that governs …
North Carolina motorcycle insurance at a glance: Minimum liability: 50/100/50 UIM required after July 1, 2025 Helmet: Universal Contributory negligence NC licensed carrier only North Carolina is not a state where a rider can buy the legal minimum, toss the ID card under the seat, and ignore the fine print. As of March 2026, a …
North Dakota motorcycle insurance at a glance: Minimum liability: 25/50/25 UM/UIM: Required No-fault/PIP: $30,000 Lane splitting: Illegal North Dakota is one of the easier states to misunderstand if you ride. A car policy here usually carries basic no-fault/PIP. A motorcycle policy does not. But a North Dakota bike still has to carry 25/50/25 liability, plus …