Massachusetts Motorcycle Insurance
Get a full analysis of Massachusetts motorcycle insurance costs, coverage, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Find the Best Motorcycle Insurance Options in Massachusetts
Massachusetts has a lot of great roads for motorcycle riding. From the Shelburne Falls Loop to the Mohawk Trail, this scenic state has much to offer. That may explain why there are nearly 170,000 motorcycles registered in the Bay State. Of course, you can’t take your bike out on the road without motorcycle insurance.
A local independent insurance agent can help you find a suitable policy at a competitive price. These agents can obtain customized quotes from some of the best motorcycle insurance companies in Massachusetts, so you can choose the policy that offers the best value.
Best Motorcycle Insurance Companies in Massachusetts
There are a lot of options for motorcycle insurance in Massachusetts. How can you make the best choice?
The following are some of the best motorcycle insurance companies in Massachusetts. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio but offers motorcycle insurance across all 50 states, including Massachusetts. Massachusetts residents can look to Progressive for most of their personal insurance needs.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including motorcycle insurance, in 50 states.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers motorcycle insurance in Massachusetts, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
- MAPFRE Insurance: MAPFRE Insurance is a leading national auto, home, and commercial auto insurance company. MAPFRE offers insurance for cars, trucks, fleets, homes, renters, condos, businesses, boats, motorcycles, and more.
- Arbella Insurance Group: Arbella offers customers in Massachusetts competitive quotes on motorcycle insurance, as well as other popular types of personal insurance such as auto, home, and renters insurance.
An independent insurance agent in your area can help you learn more about these and other Massachusetts motorcycle insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
Better Motorcycle Insurance
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Is Motorcycle Insurance Required in Massachusetts?
Massachusetts state law requires all vehicle owners, including motorcycle owners, to carry liability insurance. Motorcycle liability coverage is designed to cover any property damage or injuries you may cause to others if you are responsible for a collision while riding.
Your policy must meet or exceed the following coverage amounts:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $5,000 per accident
Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional coverage options that extend to you and your motorcycle.
Your independent insurance agent can help you learn more about the requirements for motorcycle insurance in Massachusetts.
What Does Motorcycle Insurance Cover in Massachusetts?
We know that all motorcycle insurance policies in Massachusetts must include a certain amount of motorcycle liability coverage. Other than increasing your liability limits to ensure you can appropriately compensate other parties if you cause an accident, it's a good idea to protect yourself against injury and your motorcycle against theft and damage.
Consider that there are typically around 788 motorcycle thefts reported in Massachusetts in a typical year. If you don’t purchase certain types of coverage, you’ll have no financial recourse for repairing or replacing your stolen bike.
These are the additional types of motorcycle insurance coverage that you may want to consider to better protect your investment in your bike:
- Collision coverage: Protects your motorcycle if it is damaged in a collision
- Comprehensive coverage: Covers your bike in the event of a non-collision incident, such as theft, vandalism, hail, and more
- Uninsured/underinsured motorist coverage: Provides coverage for you if you're in an accident with someone who is uninsured or whose insurance does not cover the full extent of the damage to you or your motorcycle
- Medical payments: Offers you and others who ride with you medical and hospitalization payments if injured
Other optional motorcycle coverage includes loan/lease coverage, motorcycle gap insurance, guest passenger liability, towing and labor (or roadside assistance), and rental reimbursement coverage.
You might also need additional coverage if your bike has custom parts and accessories. Most basic motorcycle policies will only cover factory-standard parts.
A local independent insurance agent can help you decide which types of Massachusetts motorcycle insurance coverage are right for you.
What Does Motorcycle Insurance Cost in Massachusetts?
The average cost of motorcycle insurance in Massachusetts is $649 a year.
Motorcycle insurance rates are calculated individually, so the average cost of a policy can only give you a general idea of what you might be expected to pay. Here are some factors that can influence how much your policy will cost:
- Your bike’s make, model, year, and value
- Your age, occupation, and years of riding experience
- Your traffic citation history, both while riding and while driving
- The estimated number of miles you put on your bike each year
- The size of your deductible
A policy with more robust coverage and higher coverage limits will cost more than one that covers the bare minimum. In addition, a more expensive bike or a riskier riding profile will likely result in more costly motorcycle insurance.
By getting multiple quotes for motorcycle insurance in Massachusetts, you can find the policy that offers the best protection for your budget. An independent insurance agent can help.
How to Find the Best Motorcycle Insurance Quotes in Massachusetts
Instead of getting an online quote for Massachusetts motorcycle insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Better Motorcycle Insurance
Our independent agents shop around to find you the best coverage.
Massachusetts Motorcycle Insurance FAQs
Motorcycle insurance helps you pay for property damage and medical costs if you cause an accident while driving your motorcycle or if your bike is stolen or damaged in another way.
That alone is reason enough to purchase motorcycle insurance. If you cause an accident and don’t have coverage, you’d still be required to pay for any injuries you cause or other vehicles or property that you damage. If you’re sued, the cost to defend yourself alone is likely insurmountable, and that’s before any financial settlements or court-ordered judgments you could be required to pay.
Aside from protecting your own assets and being able to help people who you’ve harmed, motorcycle insurance is necessary because most states require motorcycle owners to purchase a minimum amount of liability insurance or face fines or other consequences.
Yes, motorcycle insurance is required by law in Massachusetts in the same way that car insurance is required for all motor vehicles.
All motorcycle insurance policies in Massachusetts contain the minimum amount of motorcycle liability insurance required by law. In addition, you can choose from the following types of optional coverage:
- Collision coverage: Protects your motorcycle if it is damaged in a collision
- Comprehensive coverage: Covers your bike in the event of a non-collision incident, such as theft, vandalism, hail, and more
- Uninsured/underinsured motorist coverage: Provides coverage for you if you're in an accident with someone who is uninsured or whose insurance does not cover the full extent of the damage to you or your motorcycle
- Medical payments: Offers you and others who ride with you medical and hospitalization payments if injured
Other optional motorcycle coverage includes loan/lease coverage, motorcycle gap insurance, guest passenger liability, towing and labor (or roadside assistance), and rental reimbursement coverage.
You might also need additional coverage if your bike has custom parts and accessories. Most basic motorcycle policies will only cover factory-standard parts.
Massachusetts state law mandates that motorcycle owners carry liability coverage up to the following minimum limits:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $5,000 per accident
Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
The average annual cost of motorcycle insurance in Massachusetts is $649. Motorcycle insurance premiums vary based on a variety of factors, including:
- Your age and driving record
- Your credit score
- Where you live
- Your motorcycle’s make, model, and horsepower
- Whether your motorcycle has any custom components
- The age of your motorcycle
- How many miles you drive your motorcycle in a given year
- Where you typically drive your motorcycle
- Where you store your motorcycle when it is not in use
Discounts might be available for those with more than one motorcycle or those who belong to a motorcycle organization. Your experience riding a motorcycle and graduating from a safety course can give you immediate discounts. In addition, many insurance companies offer mature rider discounts.
Safeco, Foremost, Progressive, MAPFRE Insurance, and Arbella are some of the best motorcycle insurance companies in Massachusetts. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
There is no such thing as a one-size-fits-all motorcycle insurance policy. Comparison shopping is the best way to make sure you're getting the best coverage for your needs.
A local independent insurance agent can help you find a competitively priced Massachusetts motorcycle insurance policy that meets your state’s coverage requirements. Contact an agent in your area to begin comparing customized quotes.
https://www.iii.org/automobile-financial-responsibility-laws-by-state