What should we look for before buying the best motorcycle insurance Policy in New Jersey, and Why?

In the state of New Jersey, the urge to ride on the open road is an attraction that appeals to many, especially those who are motorcycle enthusiasts. Riding your motorbike through the beautiful highways of New Jersey is a freedom that cannot be compared to anything else.

However, before you take off on the open road, you need to make sure you have the right motorcycle insurance. Getting the right type of insurance reduces the stress of unforeseen occurrences and protects you financially.

At Innovate Insurance Agency Inc., we know that motorcyclists have specific needs, and therefore, we work to provide customized insurance solutions for them. In this guide, we will provide all the information you need to decide the best motorcycle insurance in New Jersey that will cover you and your precious two-wheeler.

Understanding Motorcycle Insurance in New Jersey

Insurance regulations for motorcycles in New Jersey are strictly monitored by state laws, which determine the minimum coverage you should have if you intend to ride a motorcycle.

These conditions usually include liability insurance, which covers bodily injury and property damage resulting from the accident that you might cause to others. Also, uninsured/underinsured motorist coverage is required, which will protect you if you are involved in an accident with a driver who doesn’t have enough insurance.

Although meeting the minimum legal requirements is necessary, it is generally advisable to go for the extra coverage to have complete and secure protection. Innovate Insurance Agency Inc. provides a range of coverage options that fit your needs and budget.

Motorcycle Insurance Requirement in New Jersey

Bodily Injury Liability: It can go from $25,000 to $50,000 per accident

Property Damage Liability: It can be around $25,000 per accident

Take note of the insurance company’s financial strength –

You don’t want your insurance company can’t pay your claim due to its subpar financial performance if there is a complicated claim issue. Various car insurance companies in New Jersey collaborate with independent rating companies, which evaluate multiple variables and economic outcomes before issuing a letter grade or score.

Types of Motorcycle Insurance Coverage in New Jersey

Other than compulsory liability insurance, some other coverages can be added to your policy to add a layer of protection.

Collision Coverage: This means that you get paid for all repairs or replacement of your motorcycle if it is involved in a collision with another vehicle or object.

Comprehensive Coverage: It is the part of the coverage where your motorcycle is compensated for damages resulting from motorcycle theft, vandalism, fire, weather events, or even when you hit an animal.

Medical Payments Coverage (MedPay): This premium covers your medical expenses and those of the passengers as well, regardless of fault.

Uninsured/Underinsured Motorist Coverage (UM/UIM): This safeguards you in the event the driver who was at fault did not have any insurance or insufficient coverage to pay for your injuries.

Accessories Coverage: This refers to the aftermarket section wherein the modifications you’ve made on your motorcycle are listed as well.

Roadside Assistance: Roadside assistance may include towing, jump-starts, flat tire repair, and more if your motorcycle breaks down on the road.

Factors Affecting Your Motorcycle Insurance Premium in New Jersey

Many things impact the price of the best motorcycle insurance in New Jersey. We have discussed the key elements here.

Your Age and Experience: The riders who are younger and have less experience driving usually pay higher premiums.

Your Motorcycle’s Value and Type: Factors such as the value, engine size, and the kind of motorcycle (cruiser, sportbike, etc.) are all taken into account when the premium is being determined.

Your Driving Record: Tickets for traffic violations and accidents will add up to your insurance premiums.

Your Coverage Selection: The higher the sum insured, the more expensive the premium will be.

Your Location: Where you reside in New Jersey may affect your premiums depending on theft rates and accident data.

Your Safety and Security Measures: Completing motorcycle safety courses or having an anti-theft device installed on your bike can be a reason for getting a reduction in your insurance premium.

Things to Look For Before Buying Motorcycle Insurance in New Jersey

Take a look at the important things below to secure the best motorcycle insurance in New Jersey.

Shop Around and Compare Quotes: Do not stop at the first price you get. Get quotes from several insurance companies, compare rates and coverage, and then decide which one will be best for you.

Maintain a Clean Driving Record: Avoid violations and accidents to minimize your premiums.

Take a Motorcycle Safety Course: Completing a safety course will show your dedication to safe riding and you might be able to get discounts too.

Increase Your Deductible: Paying a higher deductible reduces your premium in the short-term, but will cost you more if you have a claim.

Bundle Your Insurance: Take into account that motorcycle insurance could be bundled with auto or other insurance policies to achieve better discounts.

Ask About Discounts: Many insurance companies provide discounts for some of their policies, such as being a smart student, being a member of a motorcycle club, and having a low number of miles on your motorcycle.

Why Choose Innovate Insurance Agency Inc. for Motorcycle Coverage?

Contrary to the majority of other insurance companies, Innovate Insurance Agency Inc. is the only one that specializes in motorcycle coverage. We understand and acknowledge the special risks that motorcyclists are exposed to, and we will do our best to provide holistic coverage that caters to those risks in a better way.

Specialized Expertise: Our group of motorcycle insurance professionals consists of specialists who know the ins and outs of different coverage options and can help you pick the one that fits you best.

Personalized Approach: We realize that every rider is special in his way with different tastes and desires. It is the reason we have a personalized approach towards the insurance plan so that it can fully match your requirements and interests.

Affordable Options: We believe that insurance coverage should be easily available and affordable for all riders, which is why we have very low rates starting at just $25 per month. The objective of our business is to offer high-quality coverage for a reasonable price.


Keep in mind that motorcycle insurance is a form of investment made for your protection and security. By knowing your options and shopping around, you can have a smooth ride on the open road. At Innovate Insurance Agency Inc., we’re dedicated to offering you the best motorcycle insurance coverage in New Jersey that fits your requirements perfectly.

Whether you are an experienced rider or a new one to the motorcycling, we are here to help you ride with confidence and without worries. Call us today at (973) 530-4104, and we will provide you with a customized quote. Let us be your trusted partner on the way ahead for your motorcycle journey!

Innovate Insurance Agency, Inc. | Passaic County, NJ