Massachusetts Motorcycle Insurance: Legal Requirements and Cheap Rates

You’ll pay more than the national average to ride your motorcycle in Massachusetts. But we’ve got a shortcut for saving money.
Written by Bonnie Stinson
Reviewed by Bellina Gaskey
On average, motorcycle insurance in
costs $866 per year. That figure is well above the national average of around $519.
  • GEICO has the most affordable rates for most drivers in Massachusetts.
  • This state requires uninsured motorist coverage for motorcyclists.
  • Try Progressive if you need extensive coverage, but be sure to shop around and ask for discounts to get the best possible rate.

How to find cheap motorcycle insurance quotes in Massachusetts

Like planning a good road trip, saving money requires a little research. You can find cheap
motorcycle insurance
in Massachusetts by getting quotes from 3-5 companies. 
Compare rates, ask for
, and you’ll be rewarded with the lowest rate for your needs. 

Average cost of motorcycle insurance in Massachusetts

The average motorcyclist in Massachusetts pays $866 per year ($72 per month) for motorcycle insurance. Compared to the national average of around $519, that’s much more expensive. 
Of course, navigating the dangerous Mass Pike on two wheels is not for the faint of heart—this might explain the high cost. But the jury’s still out. 

Cheapest companies for full coverage Massachusetts motorcycle insurance 

Here are the average rates from three of the cheapest motorcycle insurance companies in the Bay State. These quotes are based on a driver with
full-coverage insurance
, which includes
, and
Average annual rate for full coverage
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Keep in mind that rates can vary widely from person to person. Your age, your bike model, and your
driving record
will affect your rate. Your zip code matters, too. Someone who lives and bikes in Allston will pay a different premium than someone who primarily rides in Amherst.  

Are motorcycles cheaper to insure than cars?

Yes, that’s generally true. It is
cheaper to insure a motorcycle
than a car in Massachusetts, even though motorcycle insurance rates are higher than the national average. 
The cost of car insurance in Massachusetts is $2,412 for the
state minimum coverage
, or $2,547 for full-coverage. Car insurance costs about three times as much as motorcycle insurance here.

Massachusetts motorcycle insurance coverage requirements

Almost every state has a legal minimum coverage requirement for all drivers and motorcyclists. This helps protect everyone on the road. 
You cannot legally operate a motorcycle without at least:
Massachusetts is a
no-fault state
for cars. However, insurers are not required to offer
personal injury protection
(also called “no-fault insurance”) for motorcycle insurance policies.

What should a basic motorcycle insurance policy cover?

The bare minimum is the legal floor for operating a motorcycle. But you can (and should) go beyond this basic coverage level. The basic coverage required by the state doesn’t give you or your bike enough protection in the event of an accident.
A good motorcycle insurance policy should provide full coverage. It should cover damage due to vandalism, theft, and accidents—alongside medical expenses for you and your passengers.
You may need other specialty coverages, too, depending on your bike and how you use it. Here are some insurance options that might be necessary in a basic policy for you: 
We understand the temptation to opt for the basic coverage required by the state. However, this won’t cover damage to you or your bike.
A serious accident could result in thousands of dollars in repair costs, not including medical costs or lost wages. Protect you and your family by going beyond the bare minimum.  

The best companies for Massachusetts motorcycle insurance

We’ve kickstarted your research process by profiling three of the
best car insurance companies
in Massachusetts, who also provide motorcycle insurance. These companies have good ratings, affordable prices, and enough variety of coverage options to suit many drivers. 

1. Best for extensive coverage: Progressive 

The good: Excellent standard policy, affordable prices
AM Best rating: A
BBB rating: A+
Jerry’s rating: 91/100
The average annual cost of motorcycle insurance with Progressive is $677. That’s nearly $200 cheaper than the state average.
The best thing about Progressive is how much coverage you get with a standard policy. Included in your policy are
replacement cost coverage
and $3,000 of custom parts protection
You don’t have to pay extra for this coverage (although you can pay more to increase the coverage on your custom parts).
You can add on a variety of useful coverages, like enhanced injury protection, total loss coverage, carried contents, and roadside assistance. While it’s not the absolute cheapest policy in this state, it might be the best.

2. Best for regular riders: Dairyland

The good: Customizable coverage options, including rental reimbursement 
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 85/100
Do you rely on your motorcycle to get around? Do you ride on a daily basis? Dairyland might be the best insurer for you.
Dairyland’s rental reimbursement endorsement is essential if you travel regularly on your motorcycle. If your bike gets damaged by a covered event and is stuck in the shop, you’ll get help paying for a rental car until it’s rideable again.
While Dairyland’s rates are the most expensive on this list at $1,380 per year, you can customize your coverage with special endorsements so you get exactly the protection you need. Add special parts coverage,
OEM parts coverage
, and roadside assistance. 
Dairyland’s replacement cost coverage is available to bikes younger than three years old, which is one year better than what’s offered by most other insurance companies.

3. Best for saving money: GEICO

The good: Affordability and ease of policy management
AM Best rating: A+
BBB rating: A+ 
Jerry’s rating: 84/100
You know GEICO for its cute little gecko mascot and those clever ads. But did you know it’s also the cheapest insurer for motorcycles in Massachusetts? For an average of $543 per year, you could enjoy full coverage for you and your bike.
The bright side: GEICO has a ton of discounts, a reliable app, and good customer service ratings.
The dark side: GEICO does not have as many coverage options as some other providers. You can get accessories coverage and roadside assistance but not much else. If you don’t ride your bike very often, this may not be a problem for you.
"By using
, I made a smooth insurance change to GEICO with just the click of a button. Thank you!” —Sri V.


In order to rate motorcycle insurance companies in Massachusetts, we collected public data and rated each company on four factors: (1) average cost of insurance (50% of our rating), (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index (25%), (3) coverage options (20%), and (4) financial stability as measured by AM Best (5%). 
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