Motorcycle Insurance Cost in New Jersey
Motorcycle insurance in New Jersey costs about $870 a year ($73 a month), which is 12% above the US average. Most prices fall from $280 to $2,020.
Motorcycle Insurance Cost in New Jersey
| Low | Typical | High | |
|---|---|---|---|
| New Jersey | $280 | $870 | $2,020 |
| US average | $250 | $780 | $1,800 |
Insurers price by state because accident rates, theft, storms and legal costs differ from place to place. We rank New Jersey number 39 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.12 (1.00 is the US average).
What the price covers
The figures are for a rider with a clean record and a mid-size bike. Sport bikes, new riders and year-round coverage cost more; seasonal policies cost less.
Ways to pay less in New Jersey
- Completing a rider safety course often earns a discount.
- Seasonal or lay-up coverage costs less if you do not ride in winter.
- Engine size and bike type have a big effect on price.
Frequently asked questions
How much is motorcycle insurance?
In New Jersey the typical price is about $870 a year ($73 a month), with a range of $280 to $2,020.
Is motorcycle insurance more expensive in New Jersey than average?
It is 12% above the US average of $780.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.