Massachusetts Motorcycle Insurance Requirements

By: Connie S. Teixeira, CISR ELITE

Connie is a licensed broker for all lines of insurance and has been in the industry for 38 years, 20 of them with C&S! She has been married for 40 years and has two adult daughters.

massachusetts motorcycle insuranceMay is Motorcycle Safety Awareness Month, which means bike owners and car owners should be thinking about their fellow motorists, and how everyone can stay safe on the roads.

Statistics from the National Safety Council show that motorcycles are involved in a disproportionate number of collisions—accounting for 14% of all traffic fatalities and 88,000 injuries each year. But stats also show that when motorcycles and other vehicles collide, it’s usually because a car/truck driver violates the motorcycle’s right of way…

Are you driving with motorcycle safety in mind?

The Motorcycle Safety Foundation provides an incredible library of resources and tip sheets for current riders, as well as anyone who’s considering a motorcycle purchase. Information for car and truck drivers is also available on the MSF site; this may be valuable content to review with any teen drivers in your household. (Most new drivers aren’t programmed to look for motorcycles when changing lanes and making turns.)

Meanwhile, May is also the perfect time for bike owners to review their Massachusetts motorcycle insurance—not just price-wise, but coverage-wise too. The state of Massachusetts only requires the following motorcycle insurance minimums:

  • Bodily injury to others: $20,000 per person, $40,000 per accident
  • Damage to someone else’s property: $5,000 for property damage
  • Personal injury protection (PIP): $8,000 (or you can choose a deductible up to $8,000 for yourself and household members)
  • Bodily injury caused by an uninsured motorist: $20,000 per person, $40,000 per accident

However, given that more than 80% of motorcycle accidents result in serious injury or death, we often recommend that riders go beyond these minimum coverage requirements. Give us a call (508.339.2951) to see what makes for you. We may be able to help you secure a better rate. We can also advise you on MA motorcycle insurance discounts—including rider training program discounts offered by certain carriers.

Drive safely, Massachusetts!

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