Cheapest and Best Motorcycle Insurance in Massachusetts 2024
If you’re looking for the most affordable insurance, Harley-Davidson (Sentry Insurance) has a highly competitive rate of $25 per month.
Choosing the best motorcycle insurance in Massachusetts can be difficult. But you’re in the right spot to manage it. According to our experience, the best provider offers a blend of comprehensive coverage and top-notch customer service.
With over 15 years in insurance, I’ve learned how cutting corners on motorcycle insurance can lead to trouble. It’s not just about meeting legal standards; it’s about safeguarding your investment.
Based on years of experience, this guide helps you avoid mistakes and discover the most dependable and budget-friendly options for your ride.
Best Motorcycle Insurance In Massachusetts 2024
Compare The Best Motorcycle Insurance In Massachusetts
| Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
| GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
| USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
| Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Our Methodology
To determine the best motorcycle insurance in Massachusetts, I used objective data from AM Best for financial stability and J.D. Powers for customer satisfaction. I also reviewed insights from multiple consumer review platforms and drew upon my background as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Motorcycle Insurance Companies in Massachusetts
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson stands out as the best motorcycle insurance option in Massachusetts, thanks to its solid policies and excellent service from Sentry Insurance. This partnership offers a distinct benefit.
With Sentry, a reputable name in insurance, supporting Harley Davidson’s policies, policyholders can rely on a solid financial foundation and dependable service. Sentry’s A+ rating from AM Best affirms their capability to fulfill policyholder commitments.
Harley Davidson’s insurance offerings, supported by Sentry’s expertise, are tailored to Massachusetts’s unique riding conditions. With extensive coverage options and customer-focused services, these policies are a wise investment for motorcyclists.
The partnership of Harley Davidson’s custom insurance and Sentry’s reliable history makes it the top pick for motorcycle insurance in the state.
Benefits & Drawbacks
⇅- Specific coverage options tailored for motorcyclists
- Backed by Sentry Insurance, known for reliability and financial stability
- Discounts and rewards available for safe riders and H.O.G. members ✓
- Some may not prefer third-party insurance
- More beneficial for Harley Davidson owners than other brands
- Availability may be limited in certain areas ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅For bundling insurance in Massachusetts, GEICO is an outstanding choice, especially when including motorcycle coverage. Their competitive rates on various insurance policies make them a top option for Massachusetts motorcyclists wanting to consolidate their insurance needs.
GEICO stands out with its seamless integration of motorcycle, auto, and home insurance into a single package. This simplifies policy management and often results in considerable savings for policyholders.
In addition to being affordable, GEICO is praised for its user-friendly experience. Their digital platforms, including a detailed website and a highly-rated mobile app, make managing policies easy. GEICO’s customer service is also highly regarded, offering prompt and efficient help.
For motorcyclists in Massachusetts, this means easy access to policy information and smooth claims processing. GEICO’s mix of affordability, convenience, and dependable customer service makes it the optimal choice for bundling insurance in Massachusetts.
Benefits & Drawbacks
⇅- Competitive pricing along with a range of discounts available
- User-friendly online tools and a mobile app for easy policy management
- Efficient claims processing and a well-regarded customer service reputation ✓
- Coverage options might be less specialized for motorcycles compared to providers focusing solely on motorcycle insurance
- Some customers report inconsistencies in customer service experiences
- Policy customization options may be more limited compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅For military members, USAA stands as the best motorcycle insurance provider, offering tailored services and a trusted partnership. Understanding the unique needs of the military community, USAA has selected Progressive, an A+ (Superior) rated company, to manage coverage and claims. This strategic alliance leverages Progressive’s strong motorcycle insurance record and USAA’s dedication to serving military personnel and their families.
Through its collaboration with Progressive, USAA offers members specialized motorcycle insurance backed by financial stability and expertise. Additionally, J.D. Powers’ highest customer service rating for USAA underscores its dedication to excellence and customer satisfaction.
Military personnel gain from this alliance by receiving streamlined service, prompt claims handling, and policies that understand military life’s specifics. The collaboration between USAA and Progressive offers a reliable, all-encompassing insurance solution for military riders.
Benefits & Drawbacks
⇅- Specific services and discounts are provided for military members and their families
- Progressive, an expert in motorcycle insurance, manages coverage and claims
- USAA, highly rated for customer service, ensures a supportive and responsive experience ✓
- Only military members, veterans, and their families can join USAA, not the general public
- Some policyholders might prefer dealing directly with one insurer rather than a partnership arrangement
- Coverage options and benefits may be more generic as they belong to a larger, non-specialized portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅Allstate stands out in Massachusetts for motorcycle insurance due to its superior customer service. With a personalized approach, Allstate ensures that each policyholder gets the specific attention they need. This is especially important for motorcyclists, who have distinct needs and concerns compared to standard auto insurance clients.
Allstate agents in Massachusetts offer invaluable support to the state’s biking community. With a solid grasp of local road laws and cycling culture, they provide insights beyond standard insurance queries. Allstate also offers 24/7 online and mobile access for policy and claims management.
In Massachusetts, Allstate is the go-to for motorcycle insurance because of their knowledgeable local agents, robust digital tools, and commitment to excellent customer service.
Benefits & Drawbacks
⇅- Comprehensive coverage options and customizable policies to fit personal needs.
- Local agents provide personalized service and understand regional insurance requirements.
- A variety of discounts available, such as safe riding and multiple policies. ✓
- Premiums may be higher than those offered by some other providers.
- Discounts and policy choices vary widely depending on personal circumstances.
- Some riders may find the policies more appropriate for casual riding rather than professional or competitive riding. ✘
Cheapest Motorcycle Insurance In Massachusetts For Minimum Liability Coverage
According to our research, the lowest price for minimum coverage in Massachusetts is from USAA (Progressive) at $6 per month.
The category “cheapest minimum coverage for motorcycle insurance in Massachusetts” denotes the most affordable insurance policies that satisfy the state’s legal requirements for motorcycle riders. These generally provide basic liability coverage for injuries and damages the rider may cause in an accident.
Factors like driving history have a substantial impact on insurance rates in this category. Riders with a clean record typically enjoy lower premiums, as insurers view them as safer. Conversely, those with a history of accidents or violations often face higher rates, being seen as higher risk by insurers.
Notably, being involved in an accident can have a substantial impact on your insurance rate since it suggests a greater risk of costly claims for the insurer. This evaluation of risk directly influences the cost of minimum coverage insurance in Massachusetts.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $77 |
| Geico | $102 |
| Allstate | $109 |
| Dairyland | $130 |
Cheapest Motorcycle Insurance In Massachusetts For Full Coverage
Through careful research, we determined that Harley-Davidson (Sentry) has the most cost-effective full coverage motorcycle insurance in Massachusetts, with a monthly rate of $25.
The term “cheapest full coverage for motorcycle insurance in Massachusetts” describes the most cost-effective choices for insurance policies that surpass the state’s minimum liability requirements. Full coverage usually encompasses comprehensive and collision insurance, providing comprehensive protection against various scenarios like accidents, theft, vandalism, and natural disasters.
The insurance rates in this category are largely determined by a rider’s driving history. Riders with clean records usually receive lower premiums since insurers consider them less risky.
Conversely, riders with a history of accidents or traffic violations often face higher insurance rates due to their increased risk perception by insurers. Being involved in an accident can notably increase your rate because insurers anticipate more future claims.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $25 |
| Geico | $29 |
| Progressive | $36 |
| Allstate | $40 |
| Nationwide | $47 |
Average Cost Of Motorcycle Insurance In Massachusetts
On average, the monthly expenditure for full coverage motorcycle insurance in Massachusetts is $28.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $25 |
| Geico | $29 |
| Progressive | $36 |
| Allstate | $40 |
| Nationwide | $47 |
Average Cost Of Motorcycle Insurance In Massachusetts – By City
Your motorcycle insurance rates in Massachusetts are influenced by your city of residence. Riders in metropolitan areas typically see higher premiums compared to those in rural areas due to a higher frequency of accidents in densely populated zip codes.
These ten Massachusetts cities have the lowest motorcycle insurance rates:
| Rank | City | Average Monthly Rate |
|---|---|---|
| 1 | Pittsfield | $68 |
| 2 | Greenfield | $70 |
| 3 | Northampton | $72 |
| 4 | Amherst | $74 |
| 5 | Fitchburg | $76 |
| 6 | Leominster | $78 |
| 7 | Gardner | $80 |
| 8 | Westfield | $82 |
| 9 | Chicopee | $84 |
| 10 | Holyoke | $86 |
Do You Need Motorcycle Insurance In Massachusetts?
In Massachusetts, motorcycle insurance is essential and legally required. The state mandates that all motorcyclists carry at least the minimum insurance coverage to ride legally on public roads, ensuring financial responsibility for any accident-related damages or injuries.
Massachusetts law requires minimum insurance coverage that includes liability insurance, which covers bodily injury and property damage you may cause to others. The required minimums are $20,000 for injury/death to one person, $40,000 for injury/death to more than one person, and $5,000 for property damage. This basic coverage does not cover the rider’s own injuries or damage to their motorcycle.
To obtain broader protection, riders frequently choose extra coverages, including collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage pays for motorcycle damages in accidents, while comprehensive covers non-collision incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly critical in Massachusetts, where many drivers might lack adequate insurance.
Although the law requires minimum insurance, riders should consider their specific needs based on their motorcycle’s value, how often they ride, and their financial situation. Failure to carry the required insurance can result in fines, suspension of your license, and motorcycle impoundment.
How To Get A Motorcycle Insurance Quote
Getting a quote for motorcycle insurance is easy and involves several clear steps:
Gather Your Personal Information: Have specific information about your motorcycle prepared before you begin, such as the make, model, year, engine size, and vehicle identification number (VIN). If you’ve made any modifications or have specific safety features, ensure you have those details handy, as they can influence your quote.r quote.
Collect Your Motorcycle’s Details: Decide on the type of coverage you need, which involves considering liability limits and whether you want additional options like comprehensive, collision, or uninsured motorist coverage.
Determine Your Insurance Needs: Decide on the type of coverage you need, which involves considering liability limits and whether you want additional options like comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Check the reputation, customer service reviews, and financial stability of insurance companies that offer motorcycle coverage.
Get Quotes: Quotes are available online, over the phone, or in person. Supply the necessary information to the insurance provider. Online forms provide a convenient and quick way to get multiple quotes. (Insuranceopedia can help by providing multiple quotes to simplify the selection process.)
Compare Quotes: After receiving several quotes, compare them by examining price, coverage options, deductibles, and any exclusions or limitations. Ensure that you’re comparing similar types of coverage across all quotes.
Ask About Discounts: Find out if there are any discounts you might qualify for, such as for safe driving, multiple policies, or motorcycle safety courses.
Review Quotes and Select a Policy: Consider all the information and select the policy that offers the ideal combination of price and coverage for your needs.
Provide Additional Information and Make Your Purchase: Once you’ve chosen a provider, you might need to provide further information or documents. Check the policy details, make your first payment, and receive your proof of insurance.
Keep in mind, the cheapest quote isn’t always the best deal. Consider the value of the coverage you receive for the amount you’re paying.
FAQs
How much is motorcycle insurance in Massachusetts?
Full coverage motorcycle insurance in Massachusetts typically costs $28 a month.
Who is the cheapest motorcycle insurance company in Massachusetts?
The cheapest motorcycle insurance available in Massachusetts is $25 per month from Harley Davidson, with Sentry Insurance Company providing the coverage and service.
Do you need motorcycle insurance in Massachusetts?
Massachusetts law requires all motorcycle riders to carry insurance.
