Motorcycle Insurance in Massachusetts: The Cheapest Quotes and Best Companies

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.

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.

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.

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).

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:

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)

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)

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.

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 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.