The Best Cheap Motorcycle Insurance in Massachusetts

The Best Cheap Motorcycle Insurance in Massachusetts

Progressive is our top pick for motorcycle insurance in Massachusetts. Geico has the state's lowest rate at $543 per year, a ValuePenguin study found.

Motorcycle drivers in Massachusetts are required to carry motorcycle insurance, but you don't need to break the bank to satisfy the state's liability laws. We obtained more than a hundred quotes from across Massachusetts and determined that the average motorcycle insurance rate is $866.

Compare Motorcycle Insurance Quotes from Providers in Massachusetts

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We examined motorcycle insurance quotes from multiple major companies to determine the best motorcycle insurers in Massachusetts. Use the above quote box to find motorcycle insurance near you, or continue reading our comparison of companies in Massachusetts.

Best motorcycle insurance for most people: Progressive

Progressive's affordability and policy features make it the best coverage option for most riders in Massachusetts.
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The good:

  • Includes coverages that don't often come standard
  • Cheaper rates than the state average

The bad:

  • Affordable but not the cheapest motorcycle insurance in Massachusetts

Read the full review.

The best motorcycle insurance for most people is Progressive. We found that Progressive has some of the most affordable policies, on average, in Massachusetts. Additionally, the extensive coverage that Progressive offers allows you to get complete coverage at a bargain.

Progressive stands out from its competitors for the level of protection it includes in a standard policy. Replacement cost coverage and $3,000 of custom parts protection are both factored into the cost of a regular policy and don't require separate purchases.

Motorcycle insurance from Progressive costs an average of $677 per year, which is about 22% cheaper than Massachusetts' statewide mean. The range of discounts offered by Progressive could result in lower premiums. If you qualify, you could receive discounts for requesting a quote in advance, making automatic payments and having a motorcycle license, for example.

You could also upgrade your Progressive motorcycle insurance by adding:

  • Roadside assistance 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 coverage

Most affordable motorcycle insurance for most people: Geico

Geico's rates make it the best option for people looking for cheap coverage.
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The good:

  • Cheapest average motorcycle insurance rates in Massachusetts
  • Strong customer service ratings

The bad:

  • Doesn't offer many endorsements for extra types of coverage

Read the full review.

On average, Geico has the cheapest motorcycle insurance in Massachusetts, offering coverage for about $543 per year. This price is about 37% less than the average statewide cost of motorcycle insurance.

However, Geico only offers a few basic upgrades, such as accessories coverage and roadside assistance.

Geico has a strong reputation with an A++ grade for financial stability from AM Best. The company also has a 0.64 rating in the National Association of Insurance Commissioners (NAIC) complaint index. That means Geico gets only 64% of the expected number of complaints for a company of its size, which indicates customers are satisfied with their service.

You could take advantage of discounts for:

  • Bundling your motorcycle policy with Geico's auto insurance
  • Being a rider over the age of 65
  • Completing an accident prevention course
  • Transferring from another insurance company

For these reasons, Geico is a good fit for both beginning riders and those who are more advanced.

Best motorcycle insurance for enthusiasts: Dairyland

Dairyland's prices are high, but its uniquely tailored offerings should appeal to passionate riders.
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The good:

  • Offers the best endorsements for people without another form of transportation

The bad:

  • The highest premiums we found

Read the full review.

It's worth considering Dairyland's motorcycle coverage if you're a passionate rider or if your motorcycle is the only vehicle you own. Dairyland 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.

Dairyland's coverage is the most expensive motorcycle insurance in Massachusetts. We found that coverage can cost $1,380 per year, which is over $514 more expensive than the state's average. However, if you're an enthusiastic rider and it's important that you get customizable specialty coverage, Dairyland could be a match. You can also add coverage endorsements that include:

  • Roadside assistance
  • Special parts coverage
  • Original equipment manufacturer coverage
  • Replacement cost coverage for motorcycles 3 years old or newer

How we chose the best motorcycle insurance in Massachusetts

Our choices of motorcycle insurance providers in Massachusetts were based on an appraisal of three key characteristics.

  • Affordability: The price a typical consumer could expect to pay for coverage
  • Coverage options: How do the offerings of one company stack up against others?
  • Customer service: Does the insurer have a reputation for meeting its customers' needs?

These three factors contribute to effective insurance coverage: Ultimately, policies should strike a balance between affordability and providing enough coverage for your assets. Additionally, insurers should back up their protection with attentive customer service and satisfactory claims service.

Below, we've taken a deeper look at the measurements relevant to affordability, coverage and service.

Affordability: Comparing motorcycle insurance prices in Massachusetts

Cost is often the main determining factor for people shopping for motorcycle insurance. We requested quotes from providers using addresses across Massachusetts. This way, we were able to arrive at a reasonable approximation of the average price of insurance in the state.

The average price of motorcycle insurance in Massachusetts is $866 per year. The national cost of coverage is typically less expensive, with an average we calculated at $721 annually.

A bar graph showing the average costs of motorcycle insurance in Massachusetts
Insurer
Average cost
Difference from statewide average
Geico$543-37%
Progressive$677-22%
Dairyland$1,38059%

Because the cost of motorcycle insurance varies depending on a number of factors, including your driving history, the type of bike you own and the amount of coverage you elect to purchase, your rates may differ from ours. We requested quotes for a 45-year-old rider with 20 years of motorcycle experience, riding a 2021 Harley-Davidson FLHX Street Glide.

We elected to purchase more motorcycle coverage than what Massachusetts requires by law. Rather than searching for the absolute cheapest rates, it's a good idea if it's within your budget to buy enough coverage to protect your assets if you had to completely replace your bike after an accident.

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included/$500 deductible
  • Comprehensive coverage: Included/$500 deductible
  • All other non-required coverages: Not included

Compare Motorcycle Insurance Quotes from Providers in Massachusetts

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Coverage options: Evaluating motorcycle insurance policies and benefits

Every insurer offers enough insurance to satisfy Massachusetts' state minimum requirements for motorcycle insurance, but the providers we recommended offer additional endorsements and the ability to personalize your limits far beyond those mandated by your state.

Most often, we highlight companies that offer a variety of services: high coverage limits, useful endorsements and a standard plan that gives most riders practical protection. As your needs evolve, you may want a motorcycle insurance provider that allows you to respond flexibly.

Below, we've displayed the offerings of the companies we called out in this survey:

Insurance provider
Replacement cost coverage
OEM parts replacement
Custom parts
Roadside assistance
Rental reimbursement
ProgressiveX†X†XX-
Geico---X-
DairylandXXXXX

†-Replacement cost coverage and OEM parts replacement are included with Progressive's standard motorcycle insurance policies.

Customer service: Considering insurer quality in service and claims

Finally, we considered whether each insurer's quality of customer service represented a good investment on the part of its policyholders. We looked at the following metrics:

Insurer
NAIC complaint index
AM Best FSR
Progressive0.82A+
Geico0.64A++
Dairyland2.69A+
USAA0.98A++

We've displayed data for the largest motorcycle insurance providers in Massachusetts regardless of whether they offer online rates.

NAIC complaint index: The National Association of Insurance Commissioners (NAIC) calculates the complaint index by dividing the number of complaints an insurer receives by its market share. A company's expected number of complaints is represented by the benchmark 1.0. A complaint index of less than 1.0 signifies that an insurance provider receives fewer complaints than its size would suggest.

AM Best financial strength rating: AM Best evaluates the ability of insurers to meet their financial obligations, especially in times right after a catastrophic event or during a recession. Scores are awarded on a conventional grading scale.

Massachusetts motorcycle insurance: Costs by city

We created the following table using the rates we collected from across Massachusetts. Below, we've displayed the average cost of coverage in each of the state's most-populated cities, as well as how each city compares to the average price of motorcycle insurance in Massachusetts.

On average, the cheapest cities are Fitchburg and Leominster, where coverage costs about $525. Conversely, Boston's $1,519 average price is by far the most expensive in Massachusetts for motorcycle insurance.

City
Annual rate
Difference from statewide average
Amherst$527-39.2%
Andover$629-27.4%
Arlington$651-24.9%
Attleboro$602-30.6%
Barnstable$602-30.6%
Beverly$733-15.4%
Billerica$733-15.4%
Boston$1,51975.4%
Braintree$754-12.9%
Brockton$1,06723.2%
Brookline$1,13230.7%
Cambridge$1,19337.7%
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Massachusetts motorcycle insurance requirements

Like most states, Massachusetts requires its drivers to carry insurance. 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 motor vehicle with no more than three wheels. Luckily, the process for getting certified is pretty straightforward.

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 part in the MREP.

Methodology

We gathered 138 motorcycle insurance quotes for a variety of addresses across Massachusetts. We used the profile of a 45-year-old married male homeowner who has 20 years of riding experience to source these quotes. The bike we insured was a 2021 Harley-Davidson FLHX Street Glide. Your rates may differ.

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.