The Best Cheap Motorcycle Insurance in Massachusetts
Progressive offers the cheapest motorcycle insurance in Massachusetts, at $13 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Massachusetts
Best cheap MA motorcycle insurance
How we chose the top companies
The cheapest motorcycle insurance companies in Massachusetts
The average price of motorcycle insurance in Massachusetts is $21 per month. Bay Staters pay about one-third less than the average cost nationwide, which is $33 per month.
Cheapest insurance companies
Find Cheap Motorcycle Insurance Quotes in Best customer service
Cheapest motorcycle insurance companies in Massachusetts
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | 3.5 out of 5 | $13 | |
| Dairyland | 1.0 out of 5 | $24 | |
| Geico | 2.0 out of 5 | $24 | |
| Harley-Davidson Insurance | 2.5 out of 5 | $24 | |
Best for most people: Progressive
Best for commuting: Harley-Davidson
Best for veterans: USAA
Massachusetts motorcycle insurance: Costs by city
The most expensive major city for motorcycle insurance in Massachusetts is Boston, where the average rate is $33 per month.
Motorcycle insurance rates in Boston are 57% higher than the state average. Meanwhile, Pittsfield, on the western edge of the state, has the cheapest rates in the state, at just $13 per month.
Where you live can have a significant impact on what you pay for motorcycle insurance. Cities with narrow or poorly maintained roads, or high rates of theft, usually have more expensive prices for coverage because drivers who live there make more claims.
City | Monthly cost | % from average |
|---|---|---|
| Amherst | $15 | -28% |
| Andover | $18 | -16% |
| Billerica | $20 | -7% |
| Chelmsford | $16 | -27% |
| Chicopee | $18 | -17% |
Massachusetts motorcycle insurance requirements
Like most states, Massachusetts has minimum insurance requirements for motorcycle riders. Massachusetts motorcycle owners are legally required to carry insurance for bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured drivers.
Coverage type | Required limit |
|---|---|
| Bodily injury liability | $20,000 per person/$40,000 per accident |
| Property damage liability | $5,000 per accident |
| Personal injury protection | $8,000 per accident |
| Uninsured/underinsured motorist bodily protection | $20,000 per person/$40,000 per accident |
How do you get a motorcycle license in Massachusetts?
You're required to get a motorcycle driver's license (Class M) to legally operate a motorcycle or any other vehicle with fewer than four wheels. To do this, you'll have to submit an application, take the written test and then do a road test at the RMV.
Steps to getting a motorcycle license in MA
- Fill out an online or in-person application.
- Complete a learner's permit exam at a Massachusetts Registry of Motor Vehicles (RMV) service center.
- Take a road test or course test sponsored by the Registry of Motor Vehicles to acquire a license within two years after you get your permit.
Alternatively, you can enroll in the Massachusetts Rider Education Program (MREP) instead of taking a road test. The MREP teaches students how to develop safe driving skills. The program consists of in-class instruction and course training. If you are under 18, you must take the MREP class in order to get a motorcycle license.
Methodology
To find the best cheap motorcycle insurance in Massachusetts, ValuePenguin collected 184 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
To select the best motorcycle insurance in Massachusetts, we considered company rates, plus coverage and discount options, and quality of customer service.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
