Free quotes from 150+ carriers in seconds
Key Takeaways
- In Massachusetts, a motorcycle policy costs, on average, $878 a year.
- Fitchburg and Leominster are the least expensive cities where coverage costs $525.
- You can save money by bundling your motorbike insurance with other policies, including those for your car or house.
What is Motorcycle Insurance & What does it Cover
Motorcycle insurance provides coverage for both personal injury and property damage. To put it another way, liability, comprehensive, and collision coverage are all included in motorcycle insurance. When buying motorbike insurance, you may also consider additional coverages.
Consider buying trip interruption insurance or guest passenger liability coverage, for example, if you own a motorcycle.
Basic motorcycle insurance coverages in Massachusetts
According to Massachusetts state law, all motorcycle owners must get coverage by liability insurance. If you are at fault in a collision while riding, motorcycle liability insurance aims to pay for any property damage or injuries you might cause to others.
The following coverage minimums must be met or exceeded by your insurance:
- Liability insurance for bodily harm
- $20,000 per individual
- $40 000 for each accident
- Liability insurance for property damage of $5,000 per incident
- Other motorbike insurance is not required.
Cheapest motorcycle insurance companies in Massachusetts
| Company | Average Annual Premium |
|---|---|
| Progressive | $689 |
| Average | $888 |
| Dairyland | $1392 |
Average cost by City
| City | Annual rate |
|---|---|
| Amherst | $539 |
| Andover | $641 |
| Arlington | $663 |
| Attleboro | $614 |
| Barnstable | $614 |
| Beverly | $745 |
| Billerica | $745 |
| Boston | $1531 |
| Braintree | $766 |
| Brockton | $1079 |
| Brookline | $1144 |
| Cambridge | $1205 |
| Chelmsford | $581 |
| Chelsea | $1479 |
| Chicopee | $745 |
| Everett | $1479 |
| Fall River | $899 |
| Fitchburg | $536 |
| Framingham | $614 |
| Haverhill | $614 |
| Holyoke | $866 |
| Lawrence | $1019 |
| Leominster | $539 |
| Lexington | $663 |
| Lowell | $860 |
| Lynn | $1101 |
| Malden | $1279 |
| Marlborough | $614 |
| Medford | $1157 |
| Natick | $581 |
| New Bedford | $897 |
| Newton | $719 |
| Peabody | $829 |
| Pittsfield | $432 |
| Plymouth | $614 |
| Quincy | $1356 |
| Randolph | $1101 |
| Revere | $1479 |
| Salem | $979 |
| Shrewsbury | $614 |
| Somerville | $1357 |
| Springfield | $1086 |
| Taunton | $648 |
| Waltham | $766 |
| Woburn | $766 |
| Worcester | $860 |
The least expensive cities, on average, are Fitchburg and Leominster, where coverage costs $525. On the other hand, the average cost of motorbike insurance in Boston is by far the highest in Massachusetts at $1,5131.
Factors that Affect the Cost of Motorcycle Insurance
The following elements can affect how much your insurance will cost:
- Make, model, year, and value of your bike.
- Your profession, age, and number of years of riding experience.
- Your driving and biking traffic citation history.
- The approximate number of miles you ride your bike each year.
- Your deductible amount.
You can choose the insurance plan that is at the most affordable price by contacting a few competing insurance providers and requesting personalized quotations. Comparison shopping is made simple by independent agents.
How To Lower Motorcycle Insurance?
Massachusetts has many motorcycle insurance providers who provide discounts and other benefits to eligible policyholders. You might be able to get your insurance for less by:
- Completing a motorcycle safety course recognized by the state
- Paying your entire yearly premium in one go
- Being a part of a riding association or group that qualifies
- Combining your motorcycle insurance with other plans, such as your vehicle or home, can save you money.
- A qualified insurance agent will ensure your policy takes advantage of all the available savings opportunities.
Do you need a motorcycle license in Massachusetts?
You must first apply for a motorcycle learner's permit to ride a motorcycle in Massachusetts legally. For the length of your stay in the United States or two years, learner's permits are valid.
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
Do you need motorcycle insurance in Massachusetts?
You must first apply for a motorcycle learner's permit to ride a motorcycle in Massachusetts legally. For the length of your stay in the United States or two years, learner's permits are valid.
How much does motorcycle insurance cost in Massachusetts?
In Massachusetts, the average cost of motorbike insurance is $878 annually.
Who has the cheapest motorcycle insurance in Massachusetts?
Of all the other providers, Progressive offers the cheapest motorcycle insurance in Massachusetts.
Learn more by city and state for car insurance
Learn more by city and state for car insurance
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
Get the App:
Find the best Auto insurance rates on-the-go
For the best user experience, please download our Way app.
or
