Massachusetts is one of the many states requiring motorcycle riders to have motorcycle insurance with specific minimum liability coverages. However, the best motorcycle insurance in Massachusetts will provide a lot more protection than the legal minimums. When shopping for motorcycle insurance in Massachusetts, you will find that costs and coverage options vary significantly depending on the provider. To help you find the best and cheapest motorcycle insurance in Massachusetts, MoneyGeek analyzed insurers based on affordability, product and service offerings and stability. If you want affordable, quality coverage for your motorcycle, our rankings will help you find the best option.
Motorcycle Insurance in Massachusetts: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in Massachusetts
Although liability-only coverage is the cheapest motorcycle insurance in Massachusetts, it may not be the best option for most riders. This is because liability coverages are only designed to cover you against claims resulting from injuries and damage to people and property. A liability-only policy does not include collision coverage or reimbursement for damage to your motorcycle. In Massachusetts, a full-coverage policy is the better option for most riders because it comes with collision coverage and protections against losses from theft, vandalism and other insurable risks.
To find the cheapest insurers in Massachusetts, MoneyGeek used a coverage profile of a good rider in Massachusetts with 50/100/25 liability-only coverage.
Cheapest Liability-Only Motorcycle Insurance Quotes in Massachusetts
For the average rider in Massachusetts, the cheapest motorcycle insurance companies for a liability-only policy are:
- Progressive: $75 per year
- GEICO: $99 per year
Progressive, the cheapest option, is 72% cheaper than Markel, the most expensive, which costs $268 yearly on average.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in Massachusetts
For riders in Massachusetts who want comprehensive coverage, a full-coverage policy comes with added protection, including collision coverage and damage protection. This means that you are not only protected in the case of accidents but also from risks such as fire, theft and other risks stipulated in your policy. A full-coverage policy might be required if you are still making payments on your motorcycle.
To find the cheapest motorcycle insurance provider for a full-coverage policy in Massachusetts, MoneyGeek used the profile of a good rider in Massachusetts with a $500 deductible and a 50/100/25 coverage.
In Massachusetts, the cheapest motorcycle insurance companies for a full coverage policy are:
- Progressive: $273 per year
- Harley-Davidson: $294 per year
The most expensive option for full coverage in Massachusetts is Markel which costs $455 per year. Progressive is 40% cheaper.
Average Annual Premium for Comprehensive and Collision
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- CompanyAnnual Premium
What Is the Average Motorcycle Insurance Cost in Massachusetts?
On average, full coverage motorcycle insurance in Massachusetts costs $335 yearly or approximately $28 monthly. Compared to the national average of $364 yearly, a full coverage policy in Massachusetts is cheaper by 8% or $28.
Generally, liability-only motorcycle insurance policies tend to be cheaper. In Massachusetts, the average cost of a liability-only policy is $139 per year. This rate is $2 cheaper than the national average of $141. However, it is important to note that a liability-only policy does not include collision and damage coverage.
To determine the average rates in Massachusetts, MoneyGeek collected motorcycle insurance quotes from different providers in Massachusetts. However, it is important to note that apart from the type of coverage, your costs for motorcycle insurance in Massachusetts will also be influenced by the make and model of your motorcycle, your riding history and experience and your age.
For this analysis of the average rates in Massachusetts, a policy coverage with $50,000/$100,000 bodily injury coverage with $25,000 property damage, a $500 deductible was used as well as personal injury protection (PIP).
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in MassachusettsAverage 12-Month National CostVariance
- Full Coverage$335$364-$28
- Liability Only$139$141-$2
The Best Motorcycle Insurance Companies in Massachusetts
To identify the best motorcycle insurance in Massachusetts, MoneyGeek used a comprehensive scoring system that factored in the insurer’s affordability, product offerings and services as well as their financial stability. More information about the criteria we evaluated can be found in our methodology. Among providers in Massachusetts, Progressive ranked highest with a score of 97/100.
Based on MoneyGeek’s scoring system, the three best motorcycle insurance providers in Massachusetts are:
- Online customer support and quote tools
- Wide range of discounts
- Disappearing deductible
- Large Accident Forgiveness limited to eligible policyholders
- Discounts not available in all states
- Coverages may vary by state
Progressive scored 97 points out of a possible 100, earning them the top spot in MoneyGeek’s rankings. Riders in Massachusetts can purchase a full coverage motorcycle insurance policy from Progressive at $273 yearly on average, while the rate for a liability-only policy is $75 yearly. Progressive offers the cheapest rates, on average, for motorcycle riders in Massachusetts. The insurer is great for riders with customized bikes who need added coverages. Progressive offers customizable coverage options to suit your specific needs. Another distinct feature of this insurer is the Original Equipment Manufacturer (OEM) parts coverage and custom property protection. Additionally, Progressive offers multiple ways to save money on motorcycle insurance in Massachusetts. You can get discounts for paying on time, bundling policies and more.
- Many coverage options for all motorcycle brands
- Coverage comes with warranty options
- Replacement cost coverage
- Coverage not available in all states
- No mobile app
- Not the cheapest option for coverage
Our pick for runner-up, Harley-Davidson, scored 95.63 out of 100 on MoneyGeek’s scoring system with high scores in product and service offerings and financial stability. For the average rider in Massachusetts, a full coverage policy from Harley-Davidson costs $294 yearly, while a liability-only policy costs $107 yearly. Harley-Davidson enthusiasts in Massachusetts who are members of the Harley Owners Group (HOG) get discounts on their premiums. This policy is also ideal for people who need extra coverages for upgrades on their motorcycles and replacement cost coverage in case of loss. The insurer covers many types of motorcycles and provides protection for add-ons to your bike. 24-hour roadside assistance is also available, as is guest passenger liability, collision coverage and vacation rental insurance.
- 24/7 roadside assistance and claims processing
- Coverage and SR-22 documentation for high-risk riders
- Replacement cost coverage for bikes up to three years old
- More expensive than other options
- Not available in all states
- Discounts may vary
Dairyland is one of the best motorcycle insurance providers in Massachusetts based on its high scores in product and service offerings, financial stability and affordability. It scored 90.99 out of 100 points in MoneyGeek’s rankings. For the average rider in Massachusetts, a Dairyland full-coverage policy costs $297 yearly, while a liability-only policy costs $146 per year. One of the key standout features of Dairyland motorcycle policies is that they are available even to Massachusetts riders with poor riding histories that would be considered high risk by other insurers. Dairyland also has a wide range of coverage options, including rental reimbursement and coverage for special equipment and custom parts. Beyond that, Dairyland offers many ways for policyholders to save money. These include loyalty discounts, transfer discounts, rider group discounts and more.
How to Get a Motorcycle Insurance Quote in Massachusetts
If you want to compare motorcycle insurance quotes in Massachusetts, you can get online quotes from different insurers by providing the following information:
- Motorcycle details, including the make and model
- Personal details, including your address, ZIP code and age
- Riding experience and past record
- Optional coverages required (see below for more information)
How Much Motorcycle Insurance Coverage Do You Need in Massachusetts?
Massachusetts motorcycle insurance laws and requirements require that all riders in the state have motorcycle insurance. Before buying a policy, it is important to ensure that you are aware of the liability coverage limits mandated by law. The minimum coverage required in Massachusetts for motorcycle insurance are:
- $20,000 per-person bodily injury liability
- $40,000 per-accident bodily injury liability
- $5,000 property damage liability
- Personal injury protection (PIP)
How Much Insurance Coverage Is Required in Massachusetts?
The liability coverages required for motorcycle insurance in Massachusetts are 20/40/5. This means that you are required to have a minimum limit of $20,000 for bodily injury per person, a $40,000 minimum coverage per accident and a minimum limit of $5,000 for property damage liability.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Massachusetts?
Riders in Massachusetts are also required to have personal injury protection (PIP) of at least $8,000 per accident. Massachusetts does not require riders to have underinsured or underinsured motorist coverage. However, it is recommended that riders get this coverage in case of an accident where the other driver is not sufficiently insured to pay for the resulting damages.
For maximum protection, MoneyGeek recommends a full coverage policy for riders in Massachusetts with at least 50/100/25 coverage. However, it can be better to get an enhanced 100/300/100 coverage by paying slightly higher premiums. The requirement for PIP coverage in Massachusetts is at least $8,000 per accident, but you can opt for a higher coverage limit.
Frequently Asked Questions About Motorcycle Insurance in Massachusetts
For riders in Massachusetts who want more information about motorcycle insurance, here are some answers to commonly asked questions.
MoneyGeek’s study collected motorcycle insurance quotes from insurance providers in Massachusetts based on varying coverage amounts and driver profiles to determine the cheapest insurer in Massachusetts. To help readers find the best motorcycle insurance companies in Massachusetts, MoneyGeek used a comprehensive weighted scoring system based on the provider’s policy cost (60% weighting), product offerings and service (30% weighting) and financial stability from AM Best (10% weighting). We used up-to-date information from the state DMV for the most recent license laws and insurance coverage requirements in Massachusetts.
About the Author
- Dairyland Insurance. "Motorcycle Insurance." Accessed May 9, 2021.
- Harley-Davidson Insurance. "Motorcycle Insurance." Accessed May 9, 2021.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed May 9, 2021.
- Massachusetts Government. "Massachusetts Law About Auto Insurance." Accessed May 9, 2021.
- Progressive Insurance. "Motorcycle Coverages." Accessed May 9, 2021.