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.
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Cheapest motorcycle insurance companies in Massachusetts
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $13 | |
| Dairyland | $24 | |
| Geico | $24 | |
| Harley-Davidson Insurance | $24 | |
Best for most people: Progressive
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Editor's rating
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Cost: $13/month
Overview
Pros/Cons
Progressive has the cheapest MA rates by far, plus great coverage options.
The best motorcycle insurance for most people in Massachusetts is Progressive. The company has the best prices by far in the state. And its wide range of coverage options allows you to get complete coverage at a bargain.
Progressive motorcycle insurance costs an average of $13 per month. Other major companies in the state offered an average rate of around $24 per month — nearly twice as expensive.
Progressive also stands out from its competitors because it includes a lot of extra benefits in a standard policy. and $3,000 of custom parts protection are both factored into the cost of a regular policy and don't require separate purchases.
You could also upgrade your Progressive motorcycle insurance by adding:
with up to $500 for living expenses if you're stranded Carried contents and accessories protection Enhanced injury protection that pays $250 per week for two years if you're injured on your bike or $25,000 for your family if you're killed in an accident Total loss replacement coverage, which replaces your bike with a new one if it's less than one year old.Best for commuting: Harley-Davidson
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Editor's rating
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Cost: $24/month
Overview
Pros/Cons
Harley-Davidson's extra coverages are useful if you commute or tour on your motorcycle.
Harley-Davidson is a strong choice for people who use a motorcycle as their primary vehicle. Harley-Davidson offers a rental reimbursement endorsement that allows you to rent a car if your bike is damaged in an accident and you're waiting for it to be fixed.
At $24 per month in Massachusetts, Harley-Davidson's coverage is much more expensive than the cheapest option, Progressive. But it's approximately the same price as two other top companies, Geico and Dairyland, and is well below the average price nationwide. If you're an enthusiastic rider and it's important that you get customizable specialty coverage, Harley-Davidson could be a match. You can also add several extra coverages to extend your policy:
- Roadside assistance
- Special parts coverage
- Original equipment manufacturer coverage
- Replacement cost coverage for motorcycles 3 years old or newer
However, Harley-Davidson has fairly poor customer service reviews. Additionally, it only offers motorcycle insurance, so you can't save by bundling with home or auto coverage.
Best for veterans: USAA
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Editor's rating
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Cost: $12/month
Overview
Pros/Cons
USAA is an affordable and dependable choice if you've served in the military.
USAA doesn't sell its own motorcycle insurance. Instead, it partners with Progressive to offer excellent coverage and cheap rates.
However, only military members, veterans and certain family members can buy insurance from USAA.
Progressive already offers the cheapest motorcycle insurance in Massachusetts, and USAA members get an additional 5% discount. That works out to being 41% cheaper than the average statewide.
In addition, a basic policy from Progressive comes with more coverage than most standard motorcycle insurance. For instance, Progressive includes $3,000 of coverage for accessories and add-ons, with the option for riders to buy up to $30,000 in coverage.
USAA and Progressive are both known for excellent customer service. Riders can count on them to help them get their bike fixed quickly after an accident.
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.
