New York Motorcycle Insurance

Why Get Motorcycle Insurance in New York
New York requires all motorcycle owners to carry adequate insurance in order to legally operate a vehicle on the roadways. Since New York uses the “no-fault” system, drivers must purchase Personal Injury Protection (PIP) coverage. This type of insurance means that no matter who is found at fault in an accident, PIP will pay for any accident-related injury expenses.

Because of the overcrowded streets in New York City and the large number of automobiles, trucks, and pedestrians, motorcyclists in the city can expect to pay higher premiums for the privilege of riding their vehicles on the city’s busy highways. Approved motorcycle driving courses and owning a safe model of vehicle can sometimes lower the cost of insurance coverage. Be sure to ask about possible discounts when speaking with an insurance company.

Motorcycle Riding in New York
In order to legally drive a motorcycle in New York, an applicant must have one of the following:

  1. Motorcycle operator’s license (Class M) – for above 18 years of age
  2. Motorcycle junior operator’s license (Class MJ)- for ages 16 to 18 years

Motorcycle License Requirements

  1. Identification and Proof of Residence
  2. Vision, Written Knowledge and On-cycle Skills Tests
  3. Fees

If applying for a permit, a New Yorker must complete the