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NEW JERSEY MOTORCYCLE INSURANCE


Riding through Jersey demands more than grit. It requires the proper coverage. Whether you’re carving up the backroads on a cruiser, zipping through city traffic on a scooter, or leaning into curves on your sportbike, your motorcycle insurance needs to meet New Jersey’s strict requirements and keep your costs in check.

Harley-Davidson® Insurance offers flexible, affordable insurance protection for a wide range of motorcycles - not just Harleys. From minimum liability to full-package peace of mind, you can customize coverage and tap into discounts that may save you up to 50% or more based on your eligibility*.

Get your personalized New Jersey motorcycle insurance quote today.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN NEW JERSEY?

Riding through the Garden State means staying compliant with New Jersey’s strict motorcycle insurance laws. NJ state law requires that every motorcycle on public roads have a valid insurance policy that meets the minimum liability coverage levels.

New Jersey law requires motorcycle riders to carry liability insurance with at least the following limits:

Mandatory Motorcycle Coverage:

Liability Insurance coverage:

  • $35,000 for bodily injury per person

  • $70,000 for total bodily injury per accident

  • $25,000 for property damage per accident

Underinsured/Underinsured motorist coverage:

  • $35,000 for bodily injury to one person

  • $70,000 for bodily injury per accident

  • $25,000 for property damage

Pedestrian personal injury protection:

  • $250,000 maximum

Proof Of Insurance:

Whether you're off on a long weekend ride through the Delaware Water Gap or just commuting across the Turnpike, you need to have proof of insurance handy at all times.

Acceptable forms of proof of insurance in New Jersey include:

  • A physical insurance ID card issued by your insurance provider

  • A digital insurance card displayed on your smartphone or device

  • A copy of your policy declarations page (less common, but acceptable)

  • An electronic record that law enforcement can verify (some departments can verify insurance digitally)

Harley-Davidson® Insurance provides both print and digital proof of coverage, so you’re never caught off guard.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN NEW JERSEY

Available Motorcycle Insurance Discounts for New Jersey Riders:

Harley-Davidson® Insurance helps you protect your freedom to ride without overpaying. Depending on your eligibility, you could unlock policy discounts of up to 50% or more*, including:

  • H.O.G.® Member Discount

  • H-D™ Riding Academy Graduate Discount

  • Military and Law Enforcement Discount

  • Paid in Full Discount

  • Home Ownership Discount

  • Multi Motorcycle Discount

  • Prompt Payer Discount

  • Anti-Theft Device Discount

  • Claim-Free Renewal Discount

GET A NEW JERSEY MOTORCYCLE INSURANCE QUOTE

From minimum liability requirements to full-throttle protection, we make it easy to get the right coverage for your ride—whether it’s a Harley® motorcycle or most other makes and models. And with policy premium discounts of up to 50% or greater based on eligibility*, the road to savings starts here.

Protect your ride and get your personalized New Jersey motorcycle insurance quote today.

*Save up to 50% or greater based on eligibility. Not Available in all states.