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Comprehensive Local Motorcycle Insurance Guide

New Jersey Motorcycle Insurance

Motorcycle Registrations in NJ

^ There are 332,470 registered motorcycles in New Jersey, the 8th highest number in the nation. [1]

Motorcycle Insurance in NJ by City

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Motorcycle Insurance Providers in New Jersey

NJ Motorcycle Insurance

NJ Motorcycle Insurance in New Jersey

Motorcycle Insurance Coverage Requirements in New Jersey


  • Minimum Liability Limits in NJ: 15/30/5 [2]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 5  Required coverage up to $5,000 for property damage in an accident
    • Note: Basic policy (optional) limits are $10,000/$10,000/$5,000. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy.

  • Insurer Verification of Insurance in NJ [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

New Jersey Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in New Jersey

Mandatory motorcycle insurance coverage for riders in the state of New Jersey.

  • Motorcycle Insurance Requirements in NJ [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Motorcycle Helmet Laws in New Jersey

    • Motorcycle helmets required for all riders. [3]

Motorcycle Insurance Laws & Regulations in New Jersey

Motorcycle License Regulations in New Jersey [4]

Detailed information about New Jersey laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in New Jersey
  • Motorcycle License Laws in NJ
    • A person who successfully completes a road test for a motorcycle license or a motorcycle endorsement when operating a motorcycle or motorized scooter with an engine displacement of less than 231 cubic centimeters shall be issued a motorcycle license or endorsement restricting the person's operation of such vehicles to any motorcycle with an engine displacement of 500 cubic centimeters or less.
    • A person who successfully completes a road test for a motorcycle license or motorcycle endorsement when operating a motorcycle with an engine displacement of 231 or more cubic centimeters, or successfully completes an approved motorcycle safety education course, shall be issued a motorcycle license or endorsement without any restriction as to engine displacement.
    • The director of the MVC may waive the road test portion of the examinations required for a motorcycle license or endorsement if the applicant has successfully completed a motorcycle safety education course. All applicants for a motorcycle license who have never previously held such license shall be on probation for a period of 2 years following the issuance of their initial license.
    • A motorized bicycle license may be issued to any person 15 years of age or older upon proof of identity, date of birth, and passage of a driving examination.

Motorcycle Equipment Laws in New Jersey [4]

Various regulations and laws in New Jersey regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in NJ
    • A motorcycle operator and passenger must wear a securely fitted helmet that is equipped with either a neck or chin strap.
    • A motorcycle operator and passenger must wear goggles or a face shield, unless the motorcycle is equipped with a wind screen meeting specifications established by the director.
    • An operator of a motorcycle must not carry any other person unless the motorcycle is designed to carry more than 1 person and has adequate footrests for each passenger.
    • No person shall operate a motorcycle which has handle bar grips higher than the shoulder height of the operator when seated.
    • Every motorcycle shall be equipped with at least 1 and not more than 2 headlamps, 1 tail lamp, 1 stop lamp, and at least 1 reflector on the rear.

Rider & Driver Facts in New Jersey

Rider & Driver Facts in New Jersey

New Jersey Motorcycle Registrations

  • Registered Riders in NJ [1]
    • In 2012, New Jersey totaled 332,470 motorcycles registrations.
    • This number ranks 8th in the United States by state (including Washington, D.C.).
    • Note: NJ ranked 9th in the nation in total auto registrations (all vehicle types) in 2011.

New Jersey Highway Facts

  • Speed Limits in NJ [3]
    • Rural interstates: 65 mph
    • Urban interstates: 55 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in NJ [5]
    • New Jersey ranked 11th in the U.S. in 2011 in total motor fuel consumption.

New Jersey Accident Reporting Regulations

  • Accident Reporting in NJ [4]
    • Crashes are required to be immediately reported in cases of death or injury.
    • Crashes are required to be immediately reported when property damage exceeds $500.

New Jersey Demographics

Age Breakdown in New Jersey

Approximately 75% residents in NJ are 20 and older, while 20% are between ages 5 and 19, and 5% are under the age of 5. [6]


Household Income: New Jersey vs. U.S.

The median household income in the state of New Jersey is $77,894, which is about 34 percent more than the median income for the United States overall of $58,283. [6]


Income Breakdown in New Jersey

About 10% of households in NJ have incomes below the poverty level. Below is the complete income breakdown for the state. [6]


Additional information about New Jersey

About New Jersey

New Jersey as a whole has an approximate population of 8,791,894, which ranks 12th in the nation. [6]

NJ Motorcycle Insurance

NJ Motorcycle Insurance

To learn more about Motorcycle Insurance in New Jersey, or for additional resources related to New Jersey Motorcycle Insurance, visit the New Jersey Department of Insurance.

Did you know?

Currently, laws requiring only some motorcyclists to wear a helmet are in place in 28 states.

New Jersey Cities

References

1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or New Jersey DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)