New Jersey Motorcycle Insurance

The State of New Jersey requires that all motorcycle operators carry minimum liability coverage. The State of New Jersey minimum requirements are $15,000 bodily injury, $30,000 each accident, and $5,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options higher than the standard liability limits.

Bodily Injury Limits Options

$20,000 Bodily Injury – Each Person / $40,000 Bodily Injury – Each Accident
$25,000 Bodily Injury – Each Person / $50,000 Bodily Injury – Each Accident
$35,000 Bodily Injury – Each Person / $80,000 Bodily Injury – Each Accident
$50,000 Bodily Injury – Each Person / $100,000 Bodily Injury – Each Accident
$100,000 Bodily Injury – Each Person / $300,000 Bodily Injury – Each Accident
$250,000 Bodily Injury – Each Person / $500,000 Bodily Injury – Each Accident

Property Damage Limits Options

$5,000
$10,000
$25,000
$50,000
$100,000

• Industry-Leading Claim Services – We’ve simplified the claims process with Crashbusters®, Guaranteed Repair Shops, online claim reporting and photo appraisals.

• Get Home Safe® – We’ll cover your cab fare home once per policy per year up to $50 if you don’t feel safe riding (excluding mechanical breakdown). 1

• Mobile-Friendly Account Access – Accessing your policy is fast and easy with Manage Your Policy, eDocuments and more.

• Pledge of Assurance® – If we ever fall short of our set customer service standards, we’ll make a $25 contribution to your choice of a select group of charities.

1st Party Medical Payments:

This is an optional coverage which pays medical bills for the operator and passengers in an accident. The coverage is provided regardless of fault. Limit options range from $1,000 to $25,000.

Comprehensive:
Also known as “Other than Collision”, comprehensive is when damage is caused by any of the following: breakage of glass, contact with a bird or animal, explosion or earthquake, fire, hail, water, flood or wind, lightning, malicious mischief or vandalism, missile or falling object, riot or civil commotion, smoke or theft. Policy limit for comprehensive coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for comprehensive coverage.

Collision Coverage: 
Pays for covered losses caused by impact with another vehicle or object. Policy limit for collision coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for collision coverage.

• Rider Roadside Assistance – 24-hour assistance if your motorcycle is disabled. Coverage includes flatbed towing up to 35 miles, battery jumpstart, mechanical or electrical breakdown assistance, lockout service, emergency fluid delivery (cost of fluids not included), concierge service and an information hotline. Not available for motorcycles used off-road. 2
• Helmet Coverage – covers safety helmets five years old or less (Department of Transportation (DOT) approved) damaged as a result of a covered comprehensive or collision loss, up to $500 per occurrence and is subject to the per motorcycle comprehensive or collision deductible.*
• Motorcycle Safety Riding Apparel Coverage – covers up to $500 damage to safety riding apparel (clothing designed to minimize injury in a motorcycle accident) worn during a covered comprehensive or collision loss and is subject to the per motorcycle comprehensive or collision deductible.*
• Trip Interruption Coverage – up to $600 payment for meals and lodging for an interrupted trip due to a covered collision or comprehensive loss making the insured motorcycle unusable. The loss must occur more than 100 miles from your residence.*
• Trailer Coverage – for policies with comprehensive coverage, trailer coverage protects from damage caused by an insured peril to a trailer that can be towed by a motorcycle regardless of whether it is attached, and applies in excess above any other available coverage. This covers the trailer itself (excluding accessories and customization), not items within it.*
• Replacement Cost Coverage – payment up to $45,000 to replace an insured motorcycle purchased new and deemed a total loss within one calendar year from the purchase date, as long as collision and/or comprehensive coverage applies to the insured motorcycle at the time of loss.*
• Carried Property Coverage – provides up to $1,000 to repair or replace personal property damaged as a result of a covered collision or comprehensive loss to an insured motorcycle.*

• Motorcycles with comprehensive coverage automatically include up to $8,000 of accessory and customization coverage. This includes damage to accessories, chromed parts and non-standard equipment in the case of a covered motorcycle loss. You also have the option to tailor your policy with increased limits up to $30,000. Not available for ATVs or UTVs.
• Interested in upgrading your Accessory Package? Contact us or speak with your agent to hear more details and check your eligibility. We’d be happy to walk you through your options.

• Safety Course Discount: When an insured completes a safety course, a discount is applied to each motorcycle to which they are assigned. A completion certificate must be provided.
• Safety Course Instructor Discount: When an insured completes an instructor safety course, a discount is applied to each motorcycle to which they are assigned. A completion certificate must be provided.
• Rider Experience Discount: A discount is applied on policies with operators who have at least three years’ on-road riding experience or a motorcycle license.
• Advance Shopper Discount: It can pay to plan ahead. The more time between your quote date and policy start date, the bigger the discount you’ll receive.
• Transfer Discount: A discount is applied to any policy transferring coverage from another insurance company, with no lapse in coverage. Prior insurance policy number is required.
• Companion Package Discount: Save money by bundling your motorcycle insurance with Plymouth Rock home, personal auto or commercial auto insurance.
• Group Affinity Discount: Active members of an approved affinity group may receive a discount.
• Riding Group Discount: Policyholders with a current affiliation to a qualifying group may receive a discount.
• Military Discount: Active and former military personnel may receive a discount.
• eDocuments Discount: Sign up to receive your policy documents electronically and we’ll reward you with savings.
• 5 Year Claims Free Discount: Save money by being claims free for five consecutive years.
• Anti-theft Discount: Cut your insurance bill by using anti-theft devices to keep your motorcycle safe.
• Anti-Lock Brake Discount: A discount is applied for motorcycles with anti-lock brakes.
• Pay in Full Discount: Receive a discount for paying your full motorcycle insurance premium upfront rather than making monthly payments.
• Homeowner Discount: Receive a discount for owning a home.

**Certain restrictions apply.