New Jersey Motorcycle Insurance

General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for New Jersey

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in New Jersey. All of our insurance policies insure individuals for recreational use only.

The information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.

All of our insurance policies include the following:

All policies, excluding moped policies, include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured or underinsured motorist who is at fault for an accident. In return for a lower premium, reduced limits are available upon request.

Each policy protects you if another person, including your passenger, makes a claim that they suffered bodily injury or property damage from an accident that was your fault. You have no obligation to the injured party unless the damages exceed your policy limit.

Your policy of insurance provides Personal Injury Protection (PIP) according to the laws of each state. In New Jersey, PIP benefits apply only to pedestrians when struck by a motorcycle. PIP pays the cost of treatment up to $250,000 for the pedestrian from hospitals, doctors, and other medical providers.

Many Rider customers inquire about medical payment coverage for the motorcycle operator. While this option is not currently available, Rider is pleased to refer our customers to AFLAC® to consider AFLAC’s Accident Indemnity Plan. Although it is not health insurance, it is designed to put money back into your household for you to use however you see fit. It covers a wide variety of accidents, from as small as cutting your finger and needing stitches, to as big as a motorcycle/car accident.

If you would like to find out more information, please click on the Aflac Learn More button below.

Aflac Learn More

Insurance Coverage Packages & Options

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.

$25,000 Bodily Injury - Each Person
$50,000 Bodily Injury - Each Accident
$10,000 Property Damage

$50,000 Bodily Injury - Each Person
$100,000 Bodily Injury - Each Accident
$25,000 Property Damage

$100,000 Bodily Injury - Each Person
$300,000 Bodily Injury - Each Accident
$50,000 Property Damage

$250,000 Bodily Injury - Each Person
$500,000 Bodily Injury - Each Accident
$100,000 Property Damage

Standard: 
The Standard coverage package includes Liability coverage with the limit of your choice and UM/UIM.

Standard Plus: 
The Standard Plus coverage package includes Liability coverage with the limit of your choice, UM/UIM and Comprehensive (including fire and theft) without Collision coverage. 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.

Premium:
The Premium coverage package includes State Required Liability coverage, UM/UIM and Comprehensive (including fire and theft) with Collision coverage. Policy limit for Collision and Comprehensive coverages is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for these coverages.

Premium Plus:
The Premium Plus coverage package includes Liability coverage with increased limits of your choice, UM/UIM and Comprehensive (including fire and theft) with Collision coverage. Policy limit for Collision and Comprehensive coverages is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for these coverages.

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.

  • Towing up to 35 miles
  • Mechanical or electrical breakdown
  • Battery Jumpstart
  • Flat tire towing (up to 35 miles)
  • Lockout
  • Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

Up to $8,000 in accessory coverage is included on all policies with the Premium or Premium Plus Package insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the up to $45,000 limit on the Premium and Premium Plus Packages.

Please read the Rider Accessory Detail Package Description

Note: The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle.

This coverage is provided on all policies with the Premium or Premium Plus Package. It provides coverage for damage to your motorcycle safety helmet and/or safety apparel resulting from a covered collision loss. It also provides trip interruption coverage for meals and lodging when resulting from an insured peril.

Please read the Rider Helmet, Motorcycle Safety Apparel and Trip Interruption Coverage Description

New Jersey Motorcycle Insurance

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