Massachusetts motorcycle insurance: What to expect |

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Compare motorcycle insurance in Massachusetts

Counter the state’s high rates with low-cost national or local insurance companies.


Fact checked

You can expect to pay over $100 more than the US average for bike insurance unless you live far away from Boston’s packed streets. However, the insurance required stands in line with bike requirements in other states without offering the personal injury protection required for cars.

Compare Massachusetts motorcycle insurance providers.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.

Compare up to 4 providers

Average motorcycle insurance in Massachusetts

You’ll shell out around $50 of your hard-earned dollars each month for motorcycle insurance in this state, totaling $605 per year on average. Since riders in other states pay around $520 per year, Massachusetts sits higher than the rest.

But you could pay less if you live in a less-populated city. For example, riding in jam-packed Boston may skew the average rate above smaller cities like Arlington.

Minimum motorcycle insurance requirements in Massachusetts

Massachusetts has moderate requirements for bike insurance that differ from its stringent car insurance laws. The state’s minimum bike insurance requirements are:

  • $20,000 bodily injury per person
  • $40,000 bodily injury per accident
  • $5,000 property damage

While Massachusetts requires personal injury protection for car drivers, motorcyclists can’t buy this protection at all. The state also requires uninsured and underinsured coverage for car insurance, but not motorcycles.

Cheapest motorcycle insurance in Massachusetts

You can turn to a few top national companies for the lowest rates — Geico, Esurance, Allstate and Progressive.

Geico trends toward low rates across the board for basic coverage, or you can get a variety of low-cost options and discounts from Esurance. Allstate may also come through for you if you qualify for its long list of discounts, especially for young riders. Last but not least, Progressive could save you money for a barebones policy or by adding wide protection and bonuses like a disappearing deductible.

In addition, some local companies may offer low rates or extra benefits. Consider these small brand options:

  • Charles River Insurance
  • Plymouth Rock Assurance
  • Eastern Insurance
  • Arbella

Bottom line

Despite nesting hundreds of thousands of people in major cities, Massachusetts’ motorcycle insurance only costs a little more than the US average. While you can stick with the midrange level of insurance required, you might score a deal on wider coverage by shopping around several bike insurance companies.

Frequently asked questions about Massachusetts motorcycle insurance

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