Motorcycle ATV
Be Covered on the Street, Dirt, or Golf Course

New Jersey Motorcycle and ATV Insurance

You could be riding the Parkway on your way down the shore, or cruising along the trails in Millville, but the feeling never changes. We know the wind against your face and the purr of your engine is what makes you happy. We get it. That's why NJM is committed to protecting you and your ride. We've partnered with American Modern, a nationwide provider of specialty insurance, so you can make sure your motorcycle, ATV, or golf cart is covered.

New Jersey Motorcycle Insurance Requirements

In New Jersey, all motorists — including motorcyclists — are required to have insurance. A motorcycle is defined by the New Jersey Motor Vehicle Commission as "any vehicle with attached motors," including motorbikes, bicycles with a motor attached, and trikes (3-wheeled motorcycles). The Garden State requires motorcycle owners to have the following minimum coverages, although you are certainly able to increase the limitations to suit your needs:

  • $15,000 for bodily injury per person
  • $30,000 for total bodily injury per accident
  • $5,000 for property damage

With American Modern,* you can choose from one of three types of coverage:** full coverage, liability plus comprehensive, or liability only. Liability only coverage insures you for New Jersey’s minimum liability requirements. Liability plus comprehensive includes protection for theft or damage to your bike due to fire or weather. Full coverage includes all of this plus collision coverage in the instance you are involved in an accident. In addition, American Modern offers coverage for up to $30,000 in accessories.

How Much Does Motorcycle Insurance Cost?

Insurance costs for your motorcycle or ATV, just like those for your home or car, are dependent upon several factors. Your location, your age, and your vehicle all contribute to your premium. The level of coverage you choose will also affect the cost. With American Modern, you might be eligible for discounts, such as a homeownership discount and a multi-bike discount.

What You Operate, We Insure

  • Motorcycles
  • All terrain vehicle
  • Dirt bike
  • Golf cart
  • Low speed vehicle
  • Side-by-side
  • Slingshot
  • Snowmobile

Safety Requirements

Whether you're purchasing a bike to save money on gas or as an addition to your collection, following the necessary safety precautions is of the utmost importance. All riders, including passengers, are required to wear a helmet.

Just like becoming a skilled driver, it takes time, patience, and practice to become a skilled motorcyclist. Driving a motorcycle throughout New Jersey is an acquired skill: the Garden State is one of the more densely populated states in the country, and with more people comes more vehicles on the roadways. NJM recommends taking a rider course to become confident in your abilities to control your bike. Safe driving discounts may be available to thank you for taking care on the road!

*American Modern is a registered trademark of American Modern Insurance Group, Inc. All other product names, logos, and brands described herein are trademarks or registered trademarks of their respective holders and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, NJM, or their respective products and services.

**Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8).