One bike in.
Every quote out.
Tell us what your bike is worth and whether you need liability. We show you the real price from every New Jersey insurer we’ve checked — so you don’t fill out the same form four times. We don’t sell insurance and we don’t take your contact details.
Compare prices for my bikeEnter your bike
Its value and ZIP. That's the one thing that really moves the price.
Bike, or bike + liability?
Most policies cover only the bike. Throttle e-bikes need liability by law.
See real quotes
Every insurer we've verified, cheapest first — each checked against their own site.
My own bikes, in Verona (07044)
I have two throttle e-bikes — one gets my kid to and from school, and the other replaces a car on the days my wife takes the train into the city and parks at Orange Station. A throttle bike counts as a motorized bicycle in NJ, so it legally needs liability insurance.
On July 22, 2026 I ran the exact same policy at four insurers — a $2,500 bike, $200 deductible, and the $25,000 liability the law requires. Here is what each one actually quoted:
Cheapest overall — but covers the bike only, no liability.
Cheapest that includes the $25k liability a throttle bike needs.
Comprehensive — bike + liability, all bundled.
Identical to Velosurance — because it's the same insurer underneath.
The range: $156–$181 a year. Notice Velosurance and Markel came back at the exact same $181 — because they’re the same insurer sold under two names. We ran all four ourselves and confirmed our pricing engine reproduces them, so you can see the range in one search instead of signing up four times.
Run this for your own bikeWhich bike do you have?
New Jersey treats a pedal-assist bike and a throttle bike very differently — and it decides whether you’re legally required to carry liability. If you’re not sure which yours is, these two summaries from NJ sources lay it out.
Want the full picture — what homeowners policies miss, theft prevention, travelling with a bike? The Learning Center has the in-depth guides.
Built by riders, for riders
This is a community-driven initiative and has not been confirmed with any insurance partners. If you spot a price that’s wrong, want your company added, or have a suggestion to make this better — we want to hear it.
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