Who Has The Cheapest Motorcycle Insurance Quotes In Massachusetts?

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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 quote 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 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.

RankCityAverage Annual Rate% Difference vs State Average
1 Boston $1,366 126%
2 Worcester 676 12%
3 Springfield 1,364 126%
4 Lowell 787 30%
5 Cambridge 787 30%

*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 seceond 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 realtively near Boston. These findings were typical when compared to other states where we performed an identical study using the same sample policy and rider.

RankCityAverage Annual Rate% Difference vs State Average
1 Boston $1,366 126%
2 East Boston 1,366 126%
3 Brockton 1,364 126%
4 Chelsea 1,364 126%
5 Everett 1,364 126%

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.

RankCityAverage Annual Rate% Difference vs State Average
1 Duxbury $384 -37%
2 Medway 384 -37%
3 Scituate 459 -24%
4 Arlington 462 -24%
5 Ashland 462 -24%
6 Athol 462 -24%
7 Ayer 462 -24%
8 Bedford 462 -24%
9 Belchertown 462 -24%
10 Bellingham 462 -24%
11 Belmont 462 -24%
12 Bolton 462 -24%
13 Bourne 462 -24%
14 Boxford 462 -24%
15 Brewster 462 -24%
16 Burlington 462 -24%
17 Carlisle 462 -24%
18 Charlton 462 -24%
19 Chatham 462 -24%
20 Chelmsford 462 -24%
21 Cohasset 462 -24%
22 Concord 462 -24%
23 Dennis 462 -24%
24 Dover 462 -24%
25 Eastham 462 -24%
26 Edgartown 462 -24%
27 Essex 462 -24%
28 Falmouth 462 -24%
29 Foxboro 462 -24%
30 Franklin 462 -24%
31 Gardner 462 -24%
32 Georgetown 462 -24%
33 Grafton 462 -24%
34 Great Barrington 462 -24%
35 Greenfield 462 -24%
36 Groton 462 -24%
37 Hamilton 462 -24%
38 Hanover 462 -24%
39 Harvard 462 -24%
40 Harwich 462 -24%
41 Hatfield 462 -24%
42 Hingham 462 -24%
43 Holden 462 -24%
44 Holliston 462 -24%
45 Hopedale 462 -24%
46 Hopkinton 462 -24%
47 Mansfield 462 -24%
48 Marblehead 462 -24%
49 Marion 462 -24%
50 Mattapoisett 462 -24%
51 Maynard 462 -24%
52 Medfield 462 -24%
53 Mendon 462 -24%
54 Millbury 462 -24%
55 Nantucket 462 -24%
56 Natick 462 -24%
57 Needham 462 -24%
58 Newburyport 462 -24%
59 Norfolk 462 -24%
60 North Attleboro 462 -24%
61 Northampton 462 -24%
62 Northborough 462 -24%
63 Palmer 462 -24%
64 Pepperell 462 -24%
65 Pittsfield 462 -24%
66 Provincetown 462 -24%
67 Reading 462 -24%
68 Sandwich 462 -24%
69 Shirley 462 -24%
70 South Hadley 462 -24%
71 Southborough 462 -24%
72 Southwick 462 -24%
73 Sudbury 462 -24%
74 Uxbridge 462 -24%
75 Vineyard Haven 462 -24%
76 Wellesley 462 -24%
77 Wenham 462 -24%
78 Westborough 462 -24%
79 Winchendon 462 -24%
80 Berkley 551 -9%
81 Acton 566 -7%
82 Amesbury 566 -7%
83 Andover 566 -7%
84 Attleboro 566 -7%
85 Auburn 566 -7%
86 Bridgewater 566 -7%
87 Clinton 566 -7%
88 East Bridgewater 566 -7%
89 East Longmeadow 566 -7%
90 Fitchburg 566 -7%
91 Hanson 566 -7%
92 Haverhill 566 -7%
93 Marlborough 566 -7%
94 Melrose 566 -7%
95 Middleton 566 -7%
96 Milford 566 -7%
97 Newton 566 -7%
98 Norton 566 -7%
99 Plymouth 566 -7%
100 Raynham 566 -7%
101 Sharon 566 -7%
102 Shrewsbury 566 -7%
103 Somerset 566 -7%
104 Spencer 566 -7%
105 Stoneham 566 -7%
106 Swampscott 566 -7%
107 Taunton 566 -7%
108 Tewksbury 566 -7%
109 Webster 566 -7%
110 Hudson 573 -5%
111 Huntington 573 -5%
112 Ipswich 573 -5%
113 Kingston 573 -5%
114 Lexington 573 -5%
115 Lincoln 573 -5%
116 Littleton 573 -5%
117 Manchester 573 -5%
118 Norwell 573 -5%
119 Sturbridge 573 -5%
Massachusetts Average 605 0%
120 Holbrook 676 12%
121 Quincy 676 12%
122 Somerville 676 12%
123 Stoughton 676 12%
124 Winthrop 676 12%
125 Worcester 676 12%
126 Abington 677 12%
127 Agawam 677 12%
128 Amherst 677 12%
129 Beverly 677 12%
130 Billerica 677 12%
131 Braintree 677 12%
132 Brookline 677 12%
133 Canton 677 12%
134 Carver 677 12%
135 Danvers 677 12%
136 Dighton 677 12%
137 Easton 677 12%
138 Framingham 677 12%
139 Gloucester 677 12%
140 Halifax 677 12%
141 Hull 677 12%
142 Hyannis 677 12%
143 Lakeville 677 12%
144 Leominster 677 12%
145 Ludlow 677 12%
146 Lynn 677 12%
147 Marshfield 677 12%
148 Mashpee 677 12%
149 North Andover 677 12%
150 Norwood 677 12%
151 Pembroke 677 12%
152 Rockland 677 12%
153 Southbridge 677 12%
154 Waltham 677 12%
155 Woburn 677 12%
156 Chicopee 680 12%
157 Barnstable 709 17%
158 Avon 787 30%
159 Cambridge 787 30%
160 Lowell 787 30%
161 Milton 787 30%
162 Peabody 787 30%
163 Salem 787 30%
164 Revere 890 47%
165 Lawrence 1,001 65%
166 Randolph 1,001 65%
167 Fall River 1,151 90%
168 Holyoke 1,151 90%
169 Medford 1,151 90%
170 New Bedford 1,151 90%
171 Saugus 1,151 90%
172 Brockton 1,364 126%
173 Chelsea 1,364 126%
174 Everett 1,364 126%
175 Malden 1,364 126%
176 Springfield 1,364 126%
177 Boston 1,366 126%
178 East Boston 1,366 126%

*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.

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