Velosurance bicycle insurance

Velosurance is a national bike insurance specialist founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.

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Boca Raton, FL 33431
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Cycling in New Jersey: Trails, Coastlines, and Urban Routes in the Garden State

From quiet canal paths and rolling farmland to revitalized city bike lanes and coastal greenways, New Jersey packs an incredible variety of cycling experiences into one compact, ride-everywhere state.

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New Jersey cycling in numbers

40%

Bike ownership

4,000

Miles of trails

50

State parks

65

Bike friendliness score

New Jersey from a cyclist's perspective

New Jersey cycling

New Jersey is a place of contrasts, and nowhere is that more apparent than from the saddle of a bike. To outsiders, it’s often painted as a tangle of highways and commuter traffic. But cyclists know better: tucked between the turnpikes and town centers lies a state rich in trails, coastlines, and steadily improving city infrastructure.

For those who crave a peaceful escape, New Jersey’s rail-trails and canal paths are pure gold. The Delaware & Raritan Canal route winds gently beside water and forest, offering mile after mile of uninterrupted pedaling where the loudest sound is often the hum of your tires on packed earth. Over near the Shore, the Henry Hudson and Edgar Felix trails carry riders through wetlands, woods, and small communities, eventually depositing them near boardwalks and beaches. These are rides where you can blend exercise with exploration, taking in nature and history without ever worrying about car traffic.

The state also delivers for road cyclists. Farmland stretches, rolling hills, and quiet backroads make for excellent loop rides. One weekend you can be spinning past horse farms in Monmouth County, and the next you’re tackling climbs near Morristown or tracing the coastal routes down by Sandy Hook. The variety is part of New Jersey’s appeal—you don’t have to travel far to find a completely different landscape.

Then there’s Jersey City, the urban side of the story. Once a place where bikes fought for scraps of pavement, it’s now becoming one of the more progressive cycling cities in the region. A growing network of protected lanes, traffic-calmed neighborhood routes, and greenway connections is changing the way residents move. While challenges like busy intersections, gaps between lanes, and the ever-present Northeast traffic remain, the direction is clear: cycling here is not just possible, it’s practical. More commuters are taking to bikes, and the culture is shifting toward making streets friendlier for riders of all ages.

What ties it all together is accessibility. In a single day you could roll through shaded forests, cruise along a historic canal, and finish with a skyline view of Manhattan across the Hudson. Few states pack so many cycling experiences into such a compact footprint.

For the cyclist willing to explore, New Jersey rewards curiosity. Whether your goal is a serene spin by the water, a challenging road loop, or an urban commute made smoother by new bike lanes, the Garden State offers it all, proof that its cycling reputation deserves far more attention than it gets.

New Jersey E-Bike Laws & Regulations

New Jersey cycling

New Jersey currently treats low-speed electric bicycles much like traditional bicycles, provided they meet specific criteria. To qualify, the motor must be 750 watts or less and the bike’s maximum speed under motor power cannot exceed 20 mph. These e-bikes fall into Class 1 (pedal assist only) or Class 2 (throttle assist), and they do not require registration, insurance, or a driver’s license. Riders must follow the same traffic laws as cyclists, and helmets are required for anyone under 17. This approach makes e-bikes accessible while ensuring they fit safely into the broader cycling environment.

However, once an e-bike exceeds the wattage or speed limits, it is classified as a motorized bicycle or moped, which carries stricter requirements such as licensing, registration, and insurance. Municipalities can also impose additional restrictions, including rules about sidewalk riding and access to certain trails or paths. At the state level, lawmakers are debating legislation that could tighten regulations by requiring registration and insurance even for some low-speed e-bikes and scooters, a proposal that has generated pushback from cycling and mobility advocates who argue it could hinder sustainable transportation options.

New Jersey Cycling Weather

With rail-trails, rolling farmland, urban routes, and changing coastal weather, New Jersey’s riding experience varies widely across the state.

Sunny days a year

206

Riding season

March - October

206 sunny days a year

Riding season

New Jersey Cycling Destinations

Delaware & Raritan Canal State Park Trail

Delaware & Raritan Canal State Park Trail

New Brunswick, NJ
70 mi.
120 ft
6 hr.

Flowing gently through the heart of central New Jersey, the Delaware & Raritan Canal State Park Trail is nothing short of a classic in the rail-/towpath world. What makes it special isn’t steep switchbacks or rugged climbs. It’s the serenity, the history, and the endurance test. On a 70-mile traverse from Frenchtown to New Brunswick, riders are treated to calm canal banks, old stone lock houses, rustic spillways, wide greenway vistas, and frequent access points into charming towns. Because the grade is so modest (just a few dozen meters of climbing over long stretches), it’s ideal for endurance cyclists looking to cover ground without leg-burn. A strong rider might tackle large sections in a day; more likely, you’ll want to break it up with lunch in Lambertville, dinner in Princeton, maybe camp or stay in towns along the way. Surface alternates between crushed stone, dirt, and some paved towpath portions, so bike choice (hybrid or gravel works well) matters. If you want a ride that blends history, landscapes, and long-distance rhythm, the D&R Canal delivers.

Columbia Trail

Columbia Trail

Califon, NJ
15 mi.
141 ft
3 hr.

Nestled among woodlands, small towns, and quietly flowing rivers, the Columbia Trail is a gem for riders who prefer charm over challenge. At about 15 miles end-to-end, with soft crushed stone and hard-packed natural surfaces, it’s accessible to cyclists with butterflies in their legs: beginners, hybrids, gravel bikers are all invited. One highlight is the Ken Lockwood Gorge, where you’ll cross rivers and forested canyons, with a dramatic 60-foot historic trestle bridging the South Branch of the Raritan. The climb is minimal—expect one or two gentle rollers rather than grueling ascents—so the real test is distance and endurance, not muscle burn. Ride at a relaxed pace, stop in the village of Califon for a snack, enjoy river views. Pairing this with a D&R section or combining with nearby trails makes for a full-day outing, but even riding one leg of it will leave you with the quiet satisfaction that comes from being deep in Jersey’s Highlands region, far away from traffic and city noise.

Paulinskill Valley Trail

Paulinskill Valley Trail

Blairstown, NJ
27 mi.
165 ft
3.5 hr.

A rail trail rich with rural textures, the Paulinskill Valley Trail shines for those craving long, contemplative pedal time. Stretching nearly 27 miles through Warren and Sussex counties, this trail offers wide pastoral expanses, river crossings, old railroad history, and forest shade that lets the mid-summer sun breathe. The surface is mixed cinder, gravel, and dirt with some muddy or rutted patches after rain, so a rugged hybrid or gravel bike (or a mountain bike) is best. Elevation hardly feels like elevation: small rises and falls, enough to vary scenery, but not enough to leave you gasping. The full trail is a strong day’s ride, and many cyclists opt to attack segments (e.g. ~10-12 miles out and back) to make time or to mix with other nearby trails. Be sure to map your parking and resupply points—towns are fewer, and resources sparser the further north you go. For those who love sweeping distance, tranquility, and the pleasure of the journey as much as arrival, the Paulinskill is a must.

Henry Hudson Trail

Henry Hudson Trail

Aberdeen, NJ
24 mi.
377 ft
3.5 hr.

With paved stretches, wetlands, shoreline views, and suburban woodlands, the Henry Hudson Trail offers a palate of terrain in Monmouth County. The trail arcs from Freehold through Marlboro, Matawan, Aberdeen, then extends north toward Atlantic Highlands and the water’s edge. For cyclists, it's a mix of smooth asphalt, occasional gravel/sand along bayshore sections, some road detours or gaps, but almost always scenic and rideable. The climb isn’t dramatic, hundreds of feet spread out over many miles, but there are moments of interest: views over bays, crossing old creeks, and ocean-air in stretches near Atlantic Highlands. This trail is ideal for riders wanting variety without major difficulty: moderate distance, neat historical and natural touches, easy access from populated areas, good for a long morning or afternoon ride. If you start early, you can enjoy calm trail sections without traffic, stop for lunch along the coast, finish strong as daylight lingers.

New Jersey Cycling Events

Cycling is very popular in Colorado, there’s a cycling event for every type of rider.

New Jersey's best bike insurance

No matter where your adventures take you, protect your bicycle and yourself from the unexpected with America's best bike insurance.

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Why Velosurance is best for your bicycle

Not all types of insurance are created equal. Velosurance levels the playing field by offering stand-alone bike insurance, where claims won’t affect your homeowner's or renter’s policy premiums.

Comparison of a Velosurance policy with a homeowners policy
Policy CoverageHomeowner/Renters Policy
Insured at Full ValueYesPossibly
Crash DamageYesNo
Theft CoverageYesLimited
Theft by ForceYesNo
Theft of AccessoriesYesLimited
Theft Away From HomeYesPossibly
Vehicle ContactYesNo
Personal LiabilityYesPossibly
Permissive Use PolicyYesNo
Replacement Bike RentalYesNo
Event Fee ReturnYesNo
Cycling Apparel CoverageYesNo
Medical PaymentsYesPossibly
Racing CoverageYesNo
E-bikesYesNo
Coverage in-transitYesNo
USAC, USAT and IMBA Member DiscountYesNo
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Not all insurance policies provide the same level of protection, and many people only discover gaps in their coverage after filing a claim. We’ve done the hard work of reviewing the fine print. To see how plans compare, check out our insurance comparison.

Customer Stories

Client satisfaction is our #1 goal. Here's what our clients say about Velosurance

"Velosurance is truly a necessity for any cyclist who is serious about their bicycle. I don't have to worry about my bike as I know if anything happens I'm covered. Dealing with Denis and Dave is also fantastic as they answered all my questions and helped through the enrollment process. Give velosurance a shot, you definitely wont be disappointed. "

Julian D

Julian D

Miami, FL

"Excellent customer service and even better insurance. They were remarkable when I was involved in a case of vehicular violence (hit and run on my bicycle). I've recommended bicycle insurance to so many people, and it's always Velosurance. I'll use them for life. "

Chris R

Chris R

Los Angeles, CA

"This was my first ever insurance claim. I'm pleased to be able to say that your company did a wonderful job in helping me through the process. I recommend your company to all of my racing friends. Thanks for doing right by me! "

Bryan L

Bryan L

New York, NY

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New Jersey's best bike insurance

No matter where your adventures take you, protect your bicycle and yourself from the unexpected with America's best bike insurance.

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We never share your email
You can add more bikes later

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We are riders and insurance experts who give advice and share insights to educate fellow riders and keep them safe while on road or trail. We want you to become a better rider by helping you understand and manage risk associated with your lifestyle.

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