Motorcycle Insurance from Massachusetts Specialists

Proudly Providing Motorcycle Insurance to Residents in Massachusetts & 46 Other States Across the Nation

For motorcycle enthusiasts, getting out on the open road is one of life’s great pleasures. However, riding is not without risks. Potholes, inclement weather, and the actions of other drivers can all cause serious accidents. Massachusetts requires that all motorcycles be properly registered and that owners have motorcycle insurance to cover financial obligations in case an accident occurs.

Motorcycle Insurance Massachusetts

Massachusetts Legal Requirements

Motorcycle accidents cause thousands of injuries and nearly $12 billion in damages and medical expenses each year. While it’s important to take precautions including wearing proper safety gear, obtaining motorcycle insurance can help cover your costs when an accident occurs. Motorcycles in Massachusetts are insured similarly to cars, but there are some key differences.

All vehicles in MA must be registered and insured, including motorcycles. Motorcycles have similar minimum insurance requirements as automobiles including:

  • Bodily Injury Liability; $20,000 per person/$40,000 per accident.
  • Personal Injury Protection; $8,000 per accident.
  • Underinsured Motorist Coverage; $20,000 per person/$40,000 per accident.
  • Property Damage Coverage; $5,000 per accident

Motorcyclists who complete a safety course approved by MREP can receive a 10% discount on their insurance.


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Optional Motorcycle Insurance Coverages 


In addition to the mandatory liability requirements, motorcyclists have a number of insurance options available. Some popular coverage options include:

  • Collision Insurance, for damages to your vehicle sustained in a collision.
  • Comprehensive Insurance, for damages sustained from fire, vandalism, storms, and other non-collision events.
  • Accessory Coverage, to help pay to restore any custom features to your bike, including side cars, custom paint jobs, and other add-ons.

Motorcycle Insurance Massachusetts

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Minimum Coverage

While the state dictates the minimum liability coverage, many owners may benefit from purchasing more liability protection. Some policies may be able to be applied seasonally, to reduce your costs if you can’t ride during the winter months. Your agent can help you determine the right amount of insurance for your situation.

Riding a motorcycle is a great joy, but also a serious responsibility. Owners must be sure to comply with all state laws regarding registration and inspection, wear proper safety gear, and purchase motorcycle insurance. This important protection can help cover the costs of accidents, injuries, and damages that may occur while riding your motorcycle.

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