Motorcycle Insurance in Massachusetts: Coverage, Costs & Tips

Yes. Massachusetts requires all registered motorcycles to carry minimum liability insurance. The state minimum is $20,000 per person / $40,000 per accident for bodily injury liability, and $5,000 for property damage liability. However, these minimums are rarely enough to cover a serious accident. We recommend higher limits.

A standard motorcycle policy includes: • Bodily injury liability — covers injuries to others if you cause an accident • Property damage liability — covers damage to others' property • Collision — covers damage to your motorcycle in an accident • Comprehensive — covers theft, fire, weather, and non-collision damage • Uninsured/underinsured motorist — protects you if the other driver has no insurance • Medical payments — covers your medical expenses regardless of fault

Beyond the basics, several optional coverages are worth considering: • Custom parts and equipment — if you've added aftermarket parts, standard policies may not cover them • Roadside assistance — towing and emergency services on the road • Trip interruption — covers lodging and meals if your bike breaks down far from home • Accessory coverage — helmets, riding gear, and other accessories • Lay-up/storage coverage — reduces your premium during winter months when you're not riding

Motorcycle insurance in Massachusetts typically costs between $200 and $1,000+ per year depending on your bike, your riding history, your age, and the coverage you choose. Sport bikes and high-performance motorcycles cost more to insure than cruisers or standard bikes. Riders with clean records and safety course completions often qualify for significant discounts.

• Complete a motorcycle safety course — many carriers offer discounts of 5–15% • Bundle with your auto or home insurance • Choose a higher deductible on collision and comprehensive • Store your bike in a garage (reduces theft risk) • Maintain a clean driving record • Consider lay-up coverage during winter months • Shop multiple carriers — rates vary significantly

As an independent agency, we compare motorcycle insurance rates from multiple carriers — including Progressive, which is one of the top motorcycle insurers in the country. We find you the right coverage at the best price and make sure your custom parts, gear, and accessories are properly covered.