Couple on motorcycle riding away down a highway

Motorcycle Insurance Quotes in NJ - Plymouth Rock

Shopping for motorcycle insurance is not as much fun as shopping for bike accessories, but this is one purchase that you’ll want to get right. As a rider in New Jersey, you need to know what the law requires when it comes to insuring your bike. Also, having a basic understanding of coverage options is in your best interest as an educated consumer. Your mission will be to determine the coverage you need to protect yourself and your bike, and then to get the best price that meets that objective.

Market Prices: What to Expect

Let’s discuss pricing. There are multiple risk factors that motorcycle insurance carriers consider when offering a quote. Violations and accident record will be a significant factor in the price that you’ll pay to protect your bike. According to Lending Tree, Inc., the average annual rate riders in NJ will pay for motorcycle coverage is $573. That comes out to almost $48 per month. While that rate may seem reasonable, keep in mind this is the average rate across the 62 municipalities studied for the analysis in New Jersey. In this particular study, Brick, NJ represented the low end of the price spectrum with the average rider paying $456 per year. On the other end of the spectrum, Newark riders pay some of the highest motorcycle insurance premiums in the country, with an annual rate of $993! To add some perspective, the average national rate that motorcycle riders will pay for coverage is $519.

The Value of Smart Shopping for Motorcycle Insurance Quotes

There are a few general aspects that you will want to focus on when shopping for motorcycle insurance. The three main things that should have your full attention when shopping for motorcycle insurance companies include the following:

  • Coverage
  • Service
  • Price

When you’re shopping for a policy, think of these buying factors as a 3-legged stool. If one of the legs on the stool is missing or out of whack, it’s going to affect the entire platform. For example, if you’re focusing solely on price, you could be getting poor coverage or accepting a level of service that leaves much to be desired. Make sure you have a balance of all three. Be sure to compare both small carriers that specialize in motorcycle insurance and larger carriers that may be able to offer a substantial bundling discount when you combine other coverage.

Minimum Insurance Requirements

According to the NJ Department of Law & Public Safety, there were 53 motorcycle fatalities resulting from crashes in 2018. Many of these accidents involved only the rider, resulting from excessive speed, distracted driving and improper passing. Riders know that this can be a dangerous hobby. That’s why there are minimum insurance requirements. The NJ Motor Vehicle Commission requires that all motorists (including bikers) carry the following insurance coverages:

Liability (Property Damage/Bodily Injury) 15/30/5

New Jersey mandates that all motorcyclists carry Liability Insurance, which covers the cost of physical harm to others or damage to others’ property resulting from an accident that you caused. Minimum limits are $15,000 for bodily injury, $30,000 for each accident and $5,000 for property damage.

Uninsured Motorist Coverage (UM)

Uninsured motorist coverage protects you if you’re involved in an accident caused by another driver who does not have insurance or carries inadequate limits to cover your losses.

Pedestrian Personal Injury Protection

This coverage provides personal injury protection benefits for a pedestrian who is injured as a result of an accident involving your motorcycle.

Additional Coverage Options to Consider

In addition to carrying the required minimum coverage to ride, you may also want to consider adding some additional lines of coverage that will provide coverage for your bike and accessories. Coverage options to consider include Comprehensive (“Comp”) and Collision, Roadside Assistance Coverage and Accessory Coverage. These lines of insurance provide added layers of protection for your investment, which can make your riding experience that much more enjoyable.

Final Thoughts on Motorcycle Insurance Quotes

While it’s probably safe to say you’re more passionate about your bike than the coverage that protects it, getting the coverage you need at a price you can afford is the foundation for an enjoyable riding experience. When you need motorcycle insurance, consider Plymouth Rock Assurance. Plymouth Rock boasts nearly 40 years of experience offering auto insurance for New Jersey drivers and has recently welcomed a NJ motorcycle insurance veteran, Rider Insurance, to its family of companies. Plymouth Rock provides comprehensive insurance coverage, exceptional customer service and multiple policy discounts for which you may qualify. Call Plymouth Rock today for all your motorcycle coverage needs.

Get a quote online, call 855-993-4470 or find a local agent from Plymouth Rock Assurance to learn how you can get motorcycle insurance quotes in New Jersey, and if you need additional information you can visit our Contact Us page.

Read our important disclaimer.


Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states. Insurance in New Jersey is offered by Plymouth Rock Management Company of New Jersey on behalf of High Point Property and Casualty Insurance Company, Palisades Insurance Company, Palisades Safety and Insurance Association, Rider Insurance Company and their affiliates. Each company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company.