Massachusetts motorcycle insurance

Q: What's the best motorcycle insurance in Massachusetts?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Boston, Springfield, Lowell, or anywhere between, the best motorcycle insurance features reliable coverage at an affordable cost. Progressive offers cheap motorcycle insurance with customized protection in Massachusetts so you can ride with confidence.

Massachusetts offers some of the best rides in New England, including peaceful coastal routes and exciting mountain passes. Whether you prefer a relaxing cruise or an adrenaline rush, Progressive helps riders across the Bay State with customized coverage and easy discounts. Find out all you need to know about motorcycle insurance in Massachusetts.

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What are the minimum requirements for motorcycle insurance in Massachusetts?

Massachusetts motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries or property damage you cause to others in an accident up to your policy's limits. You can raise your liability limits for more protection, but liability doesn't cover damage to your own motorcycle.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$30,000 per accident
Personal injury protection (PIP)	What it coversInjuries you cause to a pedestrian	Minimum amount$8,000 per person
Uninsured motorist bodily injury coverage	What it coversMedical bills and other services for you and your passengers if the at-fault driver has no liability coverage	Minimum amount$25,000 per person $50,000 per accident

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, your lender will likely require comprehensive motorcycle coverage and collision motorcycle coverage.

If you own your motorcycle outright, these coverages are optional. But many motorcycle owners choose them to protect their bike against theft, damage, and loss.

Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather events. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Massachusetts?

In 2024, the annual cost for a Progressive motorcycle insurance policy in Massachusetts with liability coverage only was $197.32.^* Your rate depends on several factors, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Massachusetts?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Boston, Springfield, Lowell, or anywhere between, the best motorcycle insurance features reliable coverage at an affordable cost. Progressive offers cheap motorcycle insurance with customized protection in Massachusetts so you can ride with confidence.

You can lower the cost of motorcycle insurance in Massachusetts with motorcycle insurance discounts such as:

Multi-policy discount
Responsible driver discount
Motorcycle license/endorsement discount
Safety course discount

Find more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Massachusetts

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can cover damage to upgrades you've made to your bike and equipment, including grips, cameras, lighting, handlebars, and custom paint and wheels.
Medical payments: Can pay for injuries you or your passenger suffer, no matter who's at fault.
Total loss coverage: May pay for your bike's full value if it's a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy).
Carried contents and personal belongings: Can pay to replace any personal possessions when a covered loss occurs, including theft.
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash.
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop.

Learn more about motorcycle insurance coverages.

Motorcycle laws in Massachusetts

All motorcycle operators and riders must wear a helmet at all times.
To earn a Massachusetts motorcycle license or endorsement, you must first get a learner's permit, complete a rider education program, and pass the Massachusetts RMV Motorcycle Test.
Riders over 18 who complete the rider education program can skip the motorcycle test requirement.