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Comprehensive Local Motorcycle Insurance Guide

New York Motorcycle Insurance

Motorcycle Registrations in NY

^ There are 345,412 registered motorcycles in New York, the 6th highest number in the nation. [1]

Motorcycle Insurance in NY by City

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Motorcycle Insurance Providers in New York

NY Motorcycle Insurance

NY Motorcycle Insurance in New York

Motorcycle Insurance Coverage Requirements in New York

  • Minimum Liability Limits in NY: 25/50/10 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

  • Insurer Verification of Insurance in NY [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

New York Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in New York

Mandatory motorcycle insurance coverage for riders in the state of New York.

  • Motorcycle Insurance Requirements in NY [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Personal injury protection coverage

Motorcycle Helmet Laws in New York

    • Motorcycle helmets required for all riders. [3]

Motorcycle Insurance Laws & Regulations in New York

Motorcycle License Regulations in New York [4]

Detailed information about New York laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in New York
  • Motorcycle License Laws in NY
    • Class M or MJ license is required.
    • Class MJ: The holder shall be at least 16 years of age and may operate any motorcycle. The holder may not drive in the city of New York. Such license will automatically become a class M license when the holder turns 18.
    • Class M: The holder may operate a motorcycle, or a motorcycle towing a trailer. The holder shall be at least 18 years of age, or 17 years of age if they have successfully completed a driver's education course.
    • A 4-hour motorcycle training class required.

Motorcycle Equipment Laws in New York [4]

Various regulations and laws in New York regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in NY
    • No person may operate a motorcycle without a helmet.
    • No person may operate a motorcycle goggles, or a face shield, and a rearview mirror so adjusted that the driver has a clear view of the road and condition of traffic behind such motorcycle.
    • Passenger footrest required if carrying a passenger.
    • No motorcycle shall be operated with handlebars or grips more than the height of the operator's shoulders.
    • All motorcycles must have: a device for signaling, at least 1 red reflector attached to the rear, 1 red or amber stop lamp, and shall.

Rider & Driver Facts in New York

Rider & Driver Facts in New York

New York Motorcycle Registrations

  • Registered Riders in NY [1]
    • In 2012, New York totaled 345,412 motorcycles registrations.
    • This number ranks 6th in the United States by state (including Washington, D.C.).
    • Note: NY ranked 5th in the nation in total auto registrations (all vehicle types) in 2011.

New York Highway Facts

  • Speed Limits in NY [3]
    • Rural interstates: 65 mph
    • Urban interstates: 65 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in NY [5]
    • New York ranked 4th in the U.S. in 2011 in total motor fuel consumption.

New York Accident Reporting Regulations

  • Accident Reporting in NY [4]
    • Crashes must be reported in cases of death, injury, or if property damage exceeds $1,000.
    • The deadline to file a report is 10 days.

Additional information about New York

About New York

New York as a whole has an approximate population of 19,378,102, which ranks 4th in the nation. [6]

NY Motorcycle Insurance

NY Motorcycle Insurance

To learn more about Motorcycle Insurance in New York, or for additional resources related to New York Motorcycle Insurance, visit the New York Department of Insurance.

Did you know?

Many insurance companies offer discounts on insurance for graduates of motorcycle training courses.

New York Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or New York DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)