Why we built insuremy.bike
We’re a small group of New Jersey cyclists and data people. We met where most local groups do — on weekend rides — and kept coming back to the same conversation: nobody at the coffee stop could explain what their insurance actually covered, and the websites that were supposed to help were mostly selling something.
What this site is
A price comparison for bike insurance available to New Jersey riders. We don’t sell insurance, we can’t bind coverage, and we take no commission from the companies listed. If you buy something, you buy it from them.
How we check a price before publishing it
Comparison sites usually show you an estimate and hope. We do something narrower and more boring: we run real quotes on each insurer’s own site for a fixed set of test bikes, build a model of how that company prices, and then check the model against quotes it was not built from. Only companies that match on those held-out tests get a number here.
The consequence is that this site shows fewer prices than it could. Two insurers have passed; others appear with an explanation and no figure. That’s deliberate — a number we can’t defend is worse to you than a blank, because you’d act on it.
The comparison engine and its validation framework are public in our open-source repository, including the tests that decide whether a provider is publishable.
What we’ve found so far
Some of it surprised us. One insurer charges the same monthly price for a $1,000 bike and a $10,000 one. A major national carrier that advertises bike coverage doesn’t sell it in New Jersey at all. And several of the brands offering cyclist liability here turn out to share a single underwriting company — so choosing between them isn’t the comparison it looks like. The market page lays that out.
Education first
Most riders don’t need a sales pitch, they need a straight answer about what their existing policies already cover. So we write those answers down — the Learning Center, coverage comparison, and free checklists exist so you leave knowing more than you arrived with. If reading them convinces you your homeowners policy is enough and you buy nothing, that’s a good outcome.
Who’s involved
A community project, not a venture-funded startup. The technical work comes out of Hudson Yards Data. The riders involved cover everything from race weekends in Mendham to delivery shifts in Jersey City.
Found something wrong?
Prices change and insurers rewrite their products without telling anyone. If a quote you ran doesn’t match what we show, we want to know — that feedback is the fastest way this gets more accurate. hello@insuremy.bike.