The Best Cheap Motorcycle Insurance in Massachusetts
Progressive offers the cheapest motorcycle insurance in Massachusetts, at $13 per month for full coverage.
Compare Motorcycle Insurance Quotes in Massachusetts
Harley-Davidson, Geico and Dairyland all offer nearly identical rates of about $24 per month. Motorcycle drivers in Massachusetts are required to carry motorcycle insurance, but you don't need to break the bank to meet the state's liability laws.
Best cheap MA motorcycle insurance
To help you find the best cheap motorcycle insurance in Massachusetts, ValuePenguin compared quotes from seven top companies across 46 of the largest cities in Massachusetts.
We ranked the best motorcycle insurance companies in Massachusetts based on customer service quality, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. See our full methodology.
The cheapest motorcycle insurance companies in Massachusetts
The average price of motorcycle insurance in Massachusetts is $21 per month. Bay Staters pay about 36% less than the average cost nationwide, which ValuePenguin calculated at $33 per month.
Compare Motorcycle Insurance Quotes in Massachusetts
Cheapest motorcycle insurance companies in Massachusetts
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $13 | |
| Harley-Davidson | $24 | |
| Dairyland | $24 | |
| Geico | $24 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$13 ?
Pros and cons
The best motorcycle insurance for most people in Massachusetts is Progressive. The company has the best prices by far, in the state. Additionally, the extensive coverage that Progressive offers allows you to get complete coverage at a bargain.
Progressive motorcycle insurance costs an average of $13 per month. Other major companies in the state offered an average rate of around $24 per month — nearly twice as expensive.
Progressive also stands out from its competitors for the level of protection it includes in a standard policy. and $3,000 of custom parts protection are both factored into the cost of a regular policy and don't require separate purchases.
You could also upgrade your Progressive motorcycle insurance by adding:
- with up to $500 for living expenses if you're stranded
- Carried contents and accessories protection
- Enhanced injury protection that pays $250 per week for two years if you're injured on your bike or $25,000 for your family if you're killed in an accident
- Total loss replacement coverage, which replaces your your bike with a new one if it's less than one year ol
Best motorcycle insurance for enthusiasts: Dairyland
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Editor rating
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Monthly rate
$24 ?
Pros and cons
It's worth considering Dairyland's motorcycle coverage if you're a passionate rider who wants specialty coverage or if your motorcycle is the only vehicle you own. Dairyland offers a rental reimbursement endorsement that allows you to rent a car if your bike is damaged in an accident and you're waiting for it to be fixed.
At $24 per month, Dairyland's coverage is much more expensive than the cheapest option, Progressive. But it's approximately the same price as two other top companies, Geico and Harley-Davidson. If you're an enthusiastic rider and it's important that you get customizable specialty coverage, Dairyland could be a match. You can also add several extra coverages to extend your policy:
- Roadside assistance
- Special parts coverage
- Original equipment manufacturer coverage
- Replacement cost coverage for motorcycles 3 years old or newer
Best for military families: USAA
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Editor rating
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Monthly rate
$12 ?
Pros and cons
Bikers with military ties should compare quotes from USAA.
USAA doesn't sell its own motorcycle insurance. Instead, it instead partners with Progressive to offer excellent coverage and cheap rates.
However, only military members, veterans and certain family members can buy insurance from USAA.
Progressive already offers the cheapest motorcycle insurance in Massachusetts, and USAA members get an additional 5% discount. That works out to being 41% cheaper than the average statewide.
In addition, a basic policy from Progressive comes with more coverage than most standard motorcycle insurance. For instance, Progressive includes $3,000 of coverage for accessories and add-ons, with the option for riders to buy up to $30,000 in coverage.
USAA and Progressive are both known for excellent customer service. Riders can count on them to help them get their bike fixed quickly after an accident.
Massachusetts motorcycle insurance: Costs by city
The most expensive major city for motorcycle insurance in Massachusetts is Boston, where the average rate is $33 per month.
Motorcycle insurance rates in Boston are 57% higher than the state average. Meanwhile, Pittsfield has the cheapest rates in the state, at just $13 per month.
Where you live can have a significant impact on what you pay for car insurance. Cities with narrow or poorly maintained roads, or high rates of theft, usually have more expensive prices for coverage.
City | Monthly cost | % from average |
|---|---|---|
| Amherst | $15 | -28% |
| Andover | $18 | -16% |
| Billerica | $20 | -7% |
| Chelmsford | $16 | -27% |
| Chicopee | $18 | -17% |
Massachusetts motorcycle insurance requirements
Like most states, Massachusetts requires its drivers to carry insurance. Massachusetts' motorcycle owners are legally required to carry insurance for bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured drivers.
Coverage type | Required limit |
|---|---|
| Bodily injury liability | $20,000 per person/$40,000 per accident |
| Property damage liability | $5,000 per accident |
| Personal injury protection | $8,000 per accident |
| Uninsured/underinsured motorist bodily protection | $20,000 per person/$40,000 per accident |
How do you get a motorcycle license in Massachusetts?
You're required to get a motorcycle driver's license (Class M) to legally operate a motorcycle or any other vehicle with fewer than four wheels.
Steps to getting a motorcycle license in MA
- Fill out an online or in-person application.
- Complete a learner's permit exam at a Massachusetts Registry of Motor Vehicles (RMV) service center.
- Take a road test or course test sponsored by the Registry of Motor Vehicles to acquire a license within two years after you get your permit.
Alternatively, you can enroll in the Massachusetts Rider Education Program (MREP) instead of taking a road test. The MREP teaches students how to develop safe driving skills. The program consists of in-class instruction and course training. If you are under 18, you must take part in the MREP.
Compare motorcycle insurance in Massachusettes vs other states
Methodology
To find the best cheap motorcycle insurance in Massachusetts, ValuePenguin collected 184 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
To select the best motorcycle insurance in Massachusetts, we considered company rates, plus coverage and discount options, and quality of customer service.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.