You must have proof of insurance to register a motorcycle in New Jersey. The state law requires a minimum of $15,000 in liability insurance, $30,000 for total bodily injury for multiple people, and $5,000 for property damage.
Different levels of coverage are available. Underinsured Motorist/Uninsured Motorist is a type of motorcycle coverage that isn’t required by NJ law, but it is important to carry if you can afford it. It protects you in the event you get into an accident in which the other driver is at fault, but that driver either has no insurance, or not enough insurance to cover your injuries.