Rates for motorcycle policies vary from person to person, state to state and bike to bike. A premium for an experienced motorcyclist riding a commuter-type motorcycle may be vastly different from a young rider on a sport model. Some states require certain types of coverage, while others do not. The two types of coverage you should always make sure you have, however, are Uninsured/Underinsured Motorist Coverage (the maximum amount) and Bodily Injury Liability (the maximum amount). A lot of people have lower levels of this type of coverage on their motorcycle because they ride it less frequently than they drive a vehicle or they think they are more careful when they ride their motorcycle. You need the maximum amount of coverage because an accident can occur at any time. In New Jersey, most motorcycle insurance companies offer up to $250,000 liability and $250,000 uninsured/underinsured coverage. Recently, Progressive will offer $500,000 if you call and ask for it. Progressive will not sell $500,000 coverage online.