gansfuss-motorcycle-insuranceTo legally operate a motorcycle in New Jersey you must provide proof of financial responsibility. Compliance for most riders comes in the form of motorcycle insurance. In order to register your motorcycle in New Jersey, you must have valid liability insurance to help cover costs related to property damage or bodily injury suffered by others in an accident you cause.

Your motorcycle insurance policy must include at least the following minimum coverage limits per accident:

  • $15,000 for bodily injury per person.
  • $30,000 for total bodily injury if multiple people are hurt in the accident.
  • $5,000 for property damage.


It is important to note that these are only the minimum requirements. If you feel that these limits do not provide you with adequate financial protection, you should ask us about higher limits. Just by meeting the state’s requirements, you are only covered for others’ property damage or injuries. Your bike’s damages and any injuries you suffer are not covered by liability insurance. However, optional types of coverage are available with us to help with these types of costs. When you are deciding on your motorcycle insurance, we will review common optional coverages:

  • Collision. This will help with repairs to your motorcycle after an accident.
  • Comprehensive. This covers repairs for damages due to most types of non-accident related damages.
  • Medical payments. If you are hurt in an accident, this coverage can help with medical costs.
  • Towing and labor. This coverage can help provide and pay for emergency roadside assistance and towing if your motorcycle breaks down.

No insurance discounts are offered for donning a helmet while riding. As is, every rider, regardless of age, is required to wear a helmet. Not having motorcycle insurance can lead to fines, a suspended license, and community service. Also keep in mind that insurance violations typically result in an increase in premium rates.

  • At the end of 2012, there were 336,764 New Jersey residents who were licensed to ride a motorcycle. In 2012, sixty-five motorcycle riders lost their lives in motorcycle-related crashes in this state.
  • According to a report issued by the Governors Highway Traffic Safety Association recently, annual motorcycle fatalities increased nationwide about nine percent in 2012. However, during the same period of time, motorcycle fatalities in New Jersey declined by 24%. In fact, New Jersey was one of only sixteen states nationwide to post a decline last year, and it joined Delaware as being one of only two states in the northeast to report fewer fatalities than the previous year.
  • New Jersey has more than 300,000 motorcycle riders traveling Garden State roadways. They are our mothers, fathers, sons, daughters, grandparents and even those men and woman who risk their lives to protect us each and every day.