Motorcycle Insurance for First-Time Riders (2024)

FAQs

What insurance should I get for my first motorcycle? ›

Even if you only have a temporary permit, nearly every state requires liability coverage for motorcyclists. There are optional coverages like collision and comprehensive to consider, and discounts to lower your cost.

So, rule number one for new riders; the cheapest motorbike to insure is one with a less powerful engine. Look at some 300cc / 400cc bikes, if you're slightly bigger you might need something a bit more punchy, look at 600cc / 800cc, save the one litre+ until you really know your stuff!

Like most states, New Jersey requires riders to carry liability insurance to pay for any damages they may cause to others. While New Jersey mandates minimum motorcycle insurance coverage, many riders add supplemental coverages to enhance their protection.

Key Factors Affecting Motorcycle Insurance Rates:

1. Age & Riding Experience: Younger, less experienced riders tend to pay more. 2. Motorcycle Type: Standard bikes and cruisers are often less expensive to insure compared to high-powered sportbikes.

Cost Comparisons

Average cost of car insurance vs motorcycle insurance: On average, motorcycle insurance is generally cheaper than car insurance. The difference in cost is due to the differences in coverage requirements, risk factors, and the lower cost of most motorcycles compared to cars.

While the cost to insure a classic motorcycle can vary, older bikes tend to be less powerful and not as fast, making them less risky, so your liability insurance is likely to be cheaper than it would be for a new bike.

The cheapest type of motorbike to insure will usually be the most common makes and models found in the 50cc scooter bracket, such as the cheaper end Peugeot and Yamaha bikes. 100cc and 125cc motorbike insurance cost is also considerably low.

Are lower cc bikes cheaper to insure? ›

Generally speaking, larger bikes are going to have more horsepower than smaller bikes. The motorcycle's power has a big impact on your rates—the more powerful the motor, the more expensive your motorcycle will be to insure.

Sport, supersport and street bikes are generally much more expensive to insure than other bikes. That's because they usually cost a lot to replace and thieves often steal street bikes. Compared to cruiser-style bikes, sport bikes cost more than three and a half times as much to cover.

The average cost of motorcycle insurance in New Jersey is about $25 per month, making Progressive 32% cheaper than average. Generally, the typical cost of coverage in New Jersey is less expensive than the national price of motorcycle insurance — the typical price nationwide is $33 per month. Currently insured?

All residents operating a motorcycle in New Jersey must have a motorcycle endorsem*nt on their existing driver license or a separate motorcycle license. All motorcycles must be titled, registered and insured.

Riders with a New Jersey's driver's license are not required to obtain a separate motorcycle license or endorsem*nt for “low-speed” motorcycles; these vehicles are classified as “mopeds” with a maximum speed of not more than 25 miles per hour, have an engine size greater than 50 cubic centimeters (cc), or have a 1.5 ...

Your motorcycle must be insured in California for a minimum of: $15,000 in bodily injury per person. $30,000 in total bodily injury per accident. $5,000 in property damage per accident.

Sport, supersport and street bikes are generally much more expensive to insure than other bikes. That's because they usually cost a lot to replace and thieves often steal street bikes. Compared to cruiser-style bikes, sport bikes cost more than three and a half times as much to cover.

AAA is proud to offer Motorcycle Insurance, and advantages can vary among auto insurance companies, and certain coverages may be required to provide you with the protection you need.