New Jersey Liability Insurance Requirements for Motorcycles

For compliance purposes, here are the types of liability insurance what you must carry:

Basic

• $10,000 as an option for injury/death to more than one person

• $5,000 for property damage

Bodily injury liability for one person is not offered under Basic. This policy is generally geared towards young drivers with limited assets.

Standard

• $15,000 for injury/death for one person

• $30,000 for injury death to more than one person

• $5,000 for property damage

Rates with carriers vary. It's to your benefit to research the quotes from a variety of providers. Doing so will guarantee yourself of finding a budget-friendly rate. Bear in mind that you're not limited to minimum liability requirements. You can bolster your insurance protection through the addition of various coverage options.

How Coverage Affects Helmet Requirements

No insurance discounts are offered for donning a helmet while riding. As is, every rider, regardless of age, is required to wear a helmet.

Proof of Insurance and Financial Responsibility

While riding, you must carry one of the following:

• A certificate of self-insurance.

• The valid insurance identification card your carrier issues you.

Penalties for Failure to Maintain Financial Responsibility

No proof of insurance will lead to the following penalties:

• First Offense:

• A $300 fine.

• A suspended license for one year.

• Community service.

• Second Offense:

• A $500 fine.

• A suspended license for two years.

• 14-day jail sentence.

• 30 days of community service.

For more information about the penalties for failing to meet financial responsibility requirements, call the MVC at (888) 486-3339.