Who Has The Cheapest Motorcycle Insurance Quotes In Massachusetts?

Over 80% of Massachusetts residents live in the Boston area, which is known for its history and industrial impact on the east coast. But the state as a whole is a great place to own a bike, whether riders are exploring the forested inland areas of Massachusetts or Cape Cod. To see what places had the best motorcycle insurance rates, we gathered motorcycle insurance quotes from two major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was more than 3.5x the cost of the cheapest in Massachusetts.

Cheapest Motorcycle Insurance in Massachusetts

Out of the two companies we were able to collect quotes from, GEICO had the lowest motorcycle insurance rates in Massachusetts, with an average quote of $532 across nearly 200 cities and towns. The average cost of motorcycle insurance in Massachusetts from Progressive was $677 for our sample 45 year old driver and his coverage.

Only two companies had motorcycle insurance data available in a ValuePenguin study using a sample policy and rider. Out of those two, the study found GEICO had the best rates in Massachusetts.

We obtained motorcycle insurance quotes from two major carriers: Progressive and GEICO. The two carriers are considered to be among the best motorcycle insurance companies across the country. The graph above includes the average premium quoted by each carrier for our sample policy and rider, along with the state average for the 178 locations we sampled. We chose a motorcycle policy, rider and bike based on market research, but any of those factors can differ for Massachusetts owners. For that reason, the average dollar amounts are not what every rider should expect to pay for their motorcycle insurance. However, the same sample policy and rider were used throughout the study as a benchmark, so you can get a sense of the range and variation.

Best Motorcycle Insurance Rates In Massachusetts: By City

Motorcycle insurance rates in the five largest cities in Massachusetts were all significantly more expensive than the state average, but that is typical of large cities in all states. We performed the identical study in all 50 states and they showed similar results. Among the five largest cities, Worcester had the most affordable motorcycle insurance quotes while Boston and Springfield's were more than 2x the Massachusetts average.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Boston$1,366126%

2

Worcester67612%

3

Springfield1,364126%

4

Lowell78730%

5

Cambridge78730%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Boston, MA

The city of Boston is one of the oldest and most historically significant in the U.S. It is the largest city in Massachusetts, with more than 650,000 residents and is the core of a metropolitan area with more than 8 million. Unfortunately, like many large cities, motorcycle insurance rates in Boston are more than 2x higher than the Massachusetts average.

Worcester, MA

Named after the English city, Worcester is home to more than 180,000 Massachusetts residents, making it the state's second largest municipality. It is known as the "Heart of the Commonwealth," which is why a heart is the city's symbol. The manufacturing industry has largely left the city but others, such as healthcare, have grown. Motorcycle insurance rates in Worcester were 12% higher than the state average.

Springfield, MA

Located on the eastern bank of the Connecticut River, Springfield is the center of the second largest metropolitan area in Massachusetts. It's known as the "City of Firsts" for the many innovations as well as for being the place where basketball was invented. More than 153,000 people live in Springfield, where motorcycle insurance rates were more than 2x the cost of the state average.

Lowell, MA

Lowell has an estimated 109,000 residents and is the part of a smaller statistical area in norther Massachusetts. It was named after Francis Cabot Lowell, who was a prominent local figure in the Industrial Revolution and was long known for its textile mills and factories. Motorcycle insurance rates in Lowell were 30% higher than the Massachusetts average.

Cambridge, MA

The city of Cambridge was named in honor of the University of Cambridge in the United Kingdom but now has its own rich history of high-level academics. The city is home to two of the most prestigious institutions in the world: Harvard University and the Massachusetts Institute of Technology (MIT). Motorcycle insurance rates in Cambridge were relatively affordable, given the size of the city. Rates there were only 30% higher than the Massachusetts average.

Most Expensive Motorcycle Insurance in Massachusetts

The five places with the most expensive motorcycle insurance rates in Massachusetts included or were relatively near Boston. These findings were typical when compared to other states where we performed an identical study using the same sample policy and rider.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Boston$1,366126%

2

East Boston1,366126%

3

Brockton1,364126%

4

Chelsea1,364126%

5

Everett1,364126%

Boston, MA

The city of Boston also appeared in the above list of places with the best rates, even though it has some of the most expensive quotes in Massachusetts. But this is the case in most other states -- large cities tend to have higher motorcycle insurance rates. Quotes for our sample policy and rider in Boston were more than 2x the cost of the state average.

East Boston, MA

Not surprisingly, motorcycle insurance rates in East Boston were the same as those in Boston – more than 2x the cost of the Massachusetts average. Commonly called "Eastie," the neighborhood is separated from most of the city by the waterways and is also home to Boston Logan International Airport.

Brockton, MA

South of Boston and northeast of Providence is the city of Brockton, which has neaarly 100,000 residents. Among other things, the city is know for being the home of W.B Mason, which supplies workplace and office supplies to companies throughout the U.S. Motorcycle insurance rates in Brockton were also more than 2x the Massachusetts average.

Chelsea, MA

Across the Mystic River from Boston is Chelsea, which in recent years has become the second most densely populated city in Massachusetts. The city struggled financially in the 1990s and ended up filing for bankruptcy, but has turned and been experiencing economic growth. Motorcycle insurance rates in Chelsea, like the other most expensive cities, were more than 2x as high as the state average.

Everett, MA

A few miles north of Boston is Everett, which was named after Edward Everett, who was a longtime politician, served as the U.S. Secretary of State and as President of Harvard University. Roughly a third of all of Everett's residents were born outside the U.S. ABC's Boston's Finest is filmed there, as well a number of other films in the past. Like the others, motorcycle insurance rates in Everett were significantly higher than most other places. The average quote for our sample policy and rider was more than 2x the Massachusetts average.

Massachusetts Motorcycle Laws

Laws for motorcyclists in Massachusetts, regarding equipment, licensing and insurance, are different from those that apply to people driving a car. Therefore, it’s particularly important to be familiar with the local laws and regulations in order to avoid fines or other penalties when riding a motorcycle.

Motorcycle Helmet Laws in Massachusetts

Massachusetts law requires that all motorcycle drivers and passengers wear a helmet that complies with the U.S. Department of Transportation Motor Vehicle Safety Standard. There are no exceptions--even if you have a passenger in a sidecar attached to the motorcycle, they must be wearing an approved helmet.

Motorcycle License Requirements in Massachusetts

In Massachusetts, you can either be licensed to operate a motorcycle via a Class M license or Class M endorsement. The primary differences are that a Class M endorsement requires that you already have another Massachusetts drivers license, and it has a slightly lower application fee. Whether you want a license or endorsement, you will need to provide evidence that you:

  • Have a Class M learner’s permit.
  • Passed either a Class M road test or Motorcycle Rider Education Program course (if you’re at least 18 years old).
  • Completed a Massachusetts Rider Education Basic Rider Course, held your learner’s permit for at least 6 months with no traffic violations, passed a driver education course and completed 40 hours of supervised driving (if you are less than 18 years old).

In order to obtain a Class M learner’s permit, you must be at least 16 years old and pass a written exam at a local DMV. You will also need to provide proof of Massachusetts residency, proof of your date of birth, your Social Security number, and either proof of your signature or parental consent (if you’re under 18).

Motorcycle Insurance Requirements in Massachusetts

Motorcycle liability insurance is required in Massachusetts with, at minimum, the following levels of coverage:

  • $20,000 Bodily Injury Liability coverage for injuries to one person in an accident
  • $40,000 Bodily Injury Liability coverage for total injuries in an accident
  • $5,000 Property Damage Liability coverage

Note that motorcycle owners aren’t required to have personal injury protection as part of their insurance, as car owners are, just liability coverage which pays for injuries and property damage of other parties. However, we recommend that you consider adding personal injury protection to your motorcycle insurance policy, as it pays for your own injuries if you’re involved in an accident.

Average Motorcycle Insurance Rates In Massachusetts: By City

This comparative study of motorcycle insurance premiums in Massachusetts was done by gathering and analyzing quotes from five major carriers across 178 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were more than 3.5x as expensive as the cheapest.

A ValuePenguin study using a sample policy and rider found the average cost of motorcycle insurance in Massachusetts was $605.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Duxbury$384-37%

2

Medway384-37%

3

Scituate459-24%

4

Arlington462-24%

5

Ashland462-24%

6

Athol462-24%

7

Ayer462-24%

8

Bedford462-24%

9

Belchertown462-24%

10

Bellingham462-24%

11

Belmont462-24%

12

Bolton462-24%

13

Bourne462-24%

14

Boxford462-24%

15

Brewster462-24%

16

Burlington462-24%

17

Carlisle462-24%

18

Charlton462-24%

19

Chatham462-24%

20

Chelmsford462-24%

21

Cohasset462-24%

22

Concord462-24%

23

Dennis462-24%

24

Dover462-24%

25

Eastham462-24%

26

Edgartown462-24%

27

Essex462-24%

28

Falmouth462-24%

29

Foxboro462-24%

30

Franklin462-24%

31

Gardner462-24%

32

Georgetown462-24%

33

Grafton462-24%

34

Great Barrington462-24%

35

Greenfield462-24%

36

Groton462-24%

37

Hamilton462-24%

38

Hanover462-24%

39

Harvard462-24%

40

Harwich462-24%

41

Hatfield462-24%

42

Hingham462-24%

43

Holden462-24%

44

Holliston462-24%

45

Hopedale462-24%

46

Hopkinton462-24%

47

Mansfield462-24%

48

Marblehead462-24%

49

Marion462-24%

50

Mattapoisett462-24%

51

Maynard462-24%

52

Medfield462-24%

53

Mendon462-24%

54

Millbury462-24%

55

Nantucket462-24%

56

Natick462-24%

57

Needham462-24%

58

Newburyport462-24%

59

Norfolk462-24%

60

North Attleboro462-24%

61

Northampton462-24%

62

Northborough462-24%

63

Palmer462-24%

64

Pepperell462-24%

65

Pittsfield462-24%

66

Provincetown462-24%

67

Reading462-24%

68

Sandwich462-24%

69

Shirley462-24%

70

South Hadley462-24%

71

Southborough462-24%

72

Southwick462-24%

73

Sudbury462-24%

74

Uxbridge462-24%

75

Vineyard Haven462-24%

76

Wellesley462-24%

77

Wenham462-24%

78

Westborough462-24%

79

Winchendon462-24%

80

Berkley551-9%

81

Acton566-7%

82

Amesbury566-7%

83

Andover566-7%

84

Attleboro566-7%

85

Auburn566-7%

86

Bridgewater566-7%

87

Clinton566-7%

88

East Bridgewater566-7%

89

East Longmeadow566-7%

90

Fitchburg566-7%

91

Hanson566-7%

92

Haverhill566-7%

93

Marlborough566-7%

94

Melrose566-7%

95

Middleton566-7%

96

Milford566-7%

97

Newton566-7%

98

Norton566-7%

99

Plymouth566-7%

100

Raynham566-7%

101

Sharon566-7%

102

Shrewsbury566-7%

103

Somerset566-7%

104

Spencer566-7%

105

Stoneham566-7%

106

Swampscott566-7%

107

Taunton566-7%

108

Tewksbury566-7%

109

Webster566-7%

110

Hudson573-5%

111

Huntington573-5%

112

Ipswich573-5%

113

Kingston573-5%

114

Lexington573-5%

115

Lincoln573-5%

116

Littleton573-5%

117

Manchester573-5%

118

Norwell573-5%

119

Sturbridge573-5%

Massachusetts Average6050%

120

Holbrook67612%

121

Quincy67612%

122

Somerville67612%

123

Stoughton67612%

124

Winthrop67612%

125

Worcester67612%

126

Abington67712%

127

Agawam67712%

128

Amherst67712%

129

Beverly67712%

130

Billerica67712%

131

Braintree67712%

132

Brookline67712%

133

Canton67712%

134

Carver67712%

135

Danvers67712%

136

Dighton67712%

137

Easton67712%

138

Framingham67712%

139

Gloucester67712%

140

Halifax67712%

141

Hull67712%

142

Hyannis67712%

143

Lakeville67712%

144

Leominster67712%

145

Ludlow67712%

146

Lynn67712%

147

Marshfield67712%

148

Mashpee67712%

149

North Andover67712%

150

Norwood67712%

151

Pembroke67712%

152

Rockland67712%

153

Southbridge67712%

154

Waltham67712%

155

Woburn67712%

156

Chicopee68012%

157

Barnstable70917%

158

Avon78730%

159

Cambridge78730%

160

Lowell78730%

161

Milton78730%

162

Peabody78730%

163

Salem78730%

164

Revere89047%

165

Lawrence1,00165%

166

Randolph1,00165%

167

Fall River1,15190%

168

Holyoke1,15190%

169

Medford1,15190%

170

New Bedford1,15190%

171

Saugus1,15190%

172

Brockton1,364126%

173

Chelsea1,364126%

174

Everett1,364126%

175

Malden1,364126%

176

Springfield1,364126%

177

Boston1,366126%

178

East Boston1,366126%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 178 municipalities and census-designated places in the state of Massachusetts. The quotes we gathered were from two major carriers: Progressive and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Comments and Questions