State specific motorcycle insurance requirements

Read on to find out how state requirements for motorcyle insurance in Pennsylvania, New Jersey, and Delaware differ from one another.

Pennsylvania

While Pennsylvania automobile insurance includes tort options, the state's motorcycle insurance does not
Bodily Injury Liability insurance is required for motorcyclists, with a minimum of $15,000 coverage.
Underinsured motorist coverage and Uninsured motorist coverage is essential for you to protect yourself properly.
In Pennsylvania, you can "stack" uninsured and underinsured motorist coverages. This means that if you insure more than one motorcycle on a policy, or a motorcycle on the same policy with your automobiles, you can add the coverage together for each vehicle you have insured under the same policy.

NJ requires motorcyclists to have liability coverage in their motorcycle insurance coverage options.
The NJ state law requires covering bodily injury and property damage, with a minimum of $15,000 for bodily injuries, $30,000 for each accident, and $5,000 for any property damages.
NJ collision coverage is a part of liability coverage but has its own clause in the policy.
Comprehensive Coverage is not mandated by state law; however it is recommended
Uninsured motorist coverage is required in NJ, while underinsured motorist coverage is not. However, both are strongly recommende

Delaware mandates compulsory liability insurance
The Minimum Limit for coverage is $15,000
Delaware riders can benefit from an insurance discount available for 3 years following completion of rider education program.