New Jersey Motorcycle Insurance

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

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 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 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.