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 and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Massachusetts for bikers who want to ride with the peace of mind that only comes with valuable protection.

Massachusetts offers a variety of rewarding rides, including relaxing oceanside cruises and exciting mountain passes. Whether you prefer relaxation or a shot of adrenaline, Progressive is proud to help bikers of all kinds in 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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Massachusetts motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries you're liable for or property you're responsible for damaging in an accident, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. It's important to note that property damage liability coverage 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$20,000 per person $40,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$5,000 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$20,000 per person $40,000 per accident

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, comprehensive motorcycle coverage and collision motorcycle coverage may be required by your lender. If you own your motorcycle outright, these coverages are optional. But we know many motorcycle owners are continually investing in upgrading their bike and may want to protect those investments from physical 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-related issues. 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 2023, the annual cost for a Progressive motorcycle insurance policy in Massachusetts with liability coverage only was $177.12.^* Many factors influence your price for motorcycle insurance, 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 and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Massachusetts for bikers who want to ride with the peace of mind that only comes with valuable protection.

You can decrease 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 out 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 enhancements 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, regardless of fault.
Total loss coverage: May pay for the full value of your bike in the event of 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 along for the ride 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.

Quick facts for riding in Massachusetts

All motorcycle operators and riders are required to wear a helmet while riding, according to Massachusetts motorcycle laws.
Lane splitting is illegal in Massachusetts, according to Massachusetts law.
To obtain a Massachusetts motorcycle license or endorsement, you must first acquire a learner's permit, complete a rider education program, and pass the Massachusetts RMV Motorcycle Test.
If you're over 18 years old, completing the rider education program allows you to bypass the motorcycle test.