Motorcycle Insurance for Massachusetts
Massachusetts motorcycle insurance for riders who know the roads.
From the Hairpin Turn on the Mohawk Trail to Jacob's Ladder on Route 20, Roamly works with carriers who understand how Massachusetts riders actually ride.
Massachusetts at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/30 ($25k bodily injury per person, $50k per accident, $30k property damage) for policies issued or renewed since July 1, 2025 — up from 20/40/5. Uninsured motorist coverage of 25/50 is compulsory. |
Helmet law | Required for every operator and passenger, including sidecar riders, at every age (the only exception is riders 18+ in a permitted parade). Operators need glasses, goggles, or a face shield unless the bike has a windshield or screen. |
Lane splitting | Illegal. State law requires vehicles to stay entirely within a single lane, and the latest breakdown-lane bill was sent to a study order in 2026. |
Inspection | Annual safety inspection at a licensed Class M station (as of September 2026, the fee is $15). Motorcycle stickers all expire May 31. No emissions test for motorcycles. |
Requirements and regulations may change. Verify with the Massachusetts Division of Insurance and the Massachusetts Registry of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Massachusetts
Massachusetts raised its minimums in 2025, bans credit scores in auto pricing, and — here's the big one — doesn't require PIP on motorcycle policies. Here's what actually shapes your policy.
Massachusetts' 25/50/30 Minimum
Since July 1, 2025, the state requires $25k/$50k bodily injury and $30k property damage, plus 25/50 uninsured motorist coverage. Policies written or renewed before that date carried the old 20/40/5 limits, so if you haven't looked at your limits in a while, it's worth a review. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Low Rider with the stage-one kit and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
A Massachusetts riding season is short. Want to list your bike on Twisted Road or Riders Share while it would otherwise sit? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
Massachusetts doesn't use SR-22 filings for its own drivers. If another state's SR-22 requirement follows you here, you'll usually need to keep it active until it ends. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like halfway up the Mohawk Trail. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — and in Massachusetts, the helmet isn't optional for you or your passenger. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
Between November and April, plenty of Massachusetts bikes never leave the garage. Listing yours on Twisted Road or Riders Share during riding season can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Massachusetts Actually Requires
Massachusetts mandates 25/50/30 liability coverage plus 25/50 uninsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $30k for property damage, for policies issued or renewed since July 1, 2025. What it doesn't require on a motorcycle is PIP — so the $8,000 of personal injury protection a car policy carries usually isn't there for you or your passenger. Medical payments coverage is optional and worth a look. Add a helmet for you and your passenger every time, and eye protection unless you've got a windshield. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Massachusetts law references current as of September 2026 — confirm current requirements with the Massachusetts Division of Insurance and the Massachusetts Registry of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Massachusetts requires 25/50/30 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $30,000 for property damage, for policies issued or renewed since July 1, 2025. Uninsured motorist coverage of 25/50 is also compulsory. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Massachusetts Division of Insurance.
Yes. Massachusetts has a universal helmet law — every operator and passenger, including sidecar riders, at every age. The only exception is riders 18 and older in a properly permitted parade. If your bike has no windshield or screen, the operator also needs glasses, goggles, or a face shield.
It depends on your bike, riding history, where you live, and the coverage you pick. Massachusetts doesn't allow credit scores in auto insurance pricing, and some insurers offer a limited discount for completing a state-approved rider education course. A personalized quote takes a few minutes and gives you the real number.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured motorist coverage is what Massachusetts requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or weather damage. If you're financing, your lender will likely require both.
Massachusetts doesn't require SR-22 filings for its own drivers. If a suspension in another state left you with an SR-22 requirement, you'll usually need to keep it active until that state's obligation ends. Roamly works with carriers that file SR-22s and can help you keep it in place. Coverage terms, conditions, and availability vary by state and policy.
No. Massachusetts law says motor vehicle insurance rates can't be based, in whole or in part, on credit information. Insurers can still look at things like your driving record and claims history.
Usually not. Car policies in Massachusetts include $8,000 of PIP, but insurers aren't required to provide PIP on motorcycle policies, and injured riders and passengers can't recover through the state's assigned-claims plan. That's why optional medical payments coverage — and your health insurance — matter more for riders here. We can help you compare options.
Still have questions?
Call us at 877.725.1245
Massachusetts Motorcycle Insurance Quotes
Massachusetts motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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