Motorcycle Insurance

Why Get Motorcycle Insurance in Massachusetts
Whether you’re driving in the beautiful Massachusetts countryside, along the coast, or on the busy streets of Boston, a motorcycle is a great way to really enjoy the beauty and landscapes that Massachusetts has to offer. But driving a motorcycle demands responsibility from its owner. This includes knowing the rules of the road, operating the vehicle in a safe manner at all times, and purchasing adequate motorcycle insurance. Motorcycle insurance provides owners with financial protection in case of accident, loss, theft, and many natural disasters. Don’t take the chance of having to pay out of pocket for accident related damages and injuries. In truth, most people would not have the financial resources to cover such losses. Motorcycle insurance takes the worry out of driving on Massachusetts highways and lets you get on with the business of enjoying your vehicle on the road!

Motorcycle Riding in Massachusetts
An individual who is 18 years of age or older may apply for a motorcycle license in person at any Massachusetts Registry of Motor Vehicles. They should have the following information and documents with them to apply:

  • Proof of date of birth and signature
  • Proof of permanent residency in Massachusetts
  • Social Security Number
  • $30 Application Fee
  • Must pass a series of tests: Written, Road Skills and Vision tests

Driver applicants who are younger than 18 (minimum is at least 16 years old) may apply for a motorcycle (Class M) license as long as they have the following documents:

  • Proof of date of birth
  • Parental consent on the license application
  • Social Security Number.

Any special requests for extended paper, time, or the oral exam while taking the standard learner’s permit exam due to cognitive or physical disabilities should be directed to the Branch Manager of any Registry of Motor Vehicles (RMV) location or call (617) 351-4505.

Minimum Insurance Requirements in Massachusetts
In order to drive legally in Massachusetts, liability insurance is required for all registered motorcycles. Massachusetts is a “no-fault” state which means that a person who is injured can only sue if the medical expenses incurred exceed $2,000. In addition, it is compulsory for all owners of motorcycles to purchase at least these minimum liability insurance coverage amounts:

  • $20,000 for bodily injury of one person
  • $40,000 for bodily injury of all injured parties
  • $5,000 for property damage in one accident
  • $8,000 for personal injury protection

To further protect the motorcycle owner in case the other driver involved in an accident does not have insurance, Massachusetts strongly recommends that motorcycle owners purchase and maintain uninsured/underinsured motorist coverage. The amount of coverage usually selected is equal to the liability coverage amounts chosen.

Massachusetts Motorcycle-specific Laws
For your safety, all State Laws regarding the operation of a motor vehicle should be followed at all times. Failure to comply with these laws can cost you time, money, and even your driving privileges. Here are the motorcycle-specific laws in Massachusetts:

  • Helmets are required for all drivers and passengers of motorcycles with or without sidecar.
  • Eye protection for instructional permit holders is required unless the vehicle has a windscreen.
  • Passenger seats and footrests are required when carrying a passenger.
  • There are no age restrictions for the passenger.
  • Periodic safety inspections are required.
  • At least one mirror is required.
  • Turn signals are required.
  • A muffler is required.
  • Handlebar height rising above the driver’s shoulders is not allowed.
  • Motorcycles may be driven abreast in the same lane.
  • Lane splitting is not allowed.

Insurance companies offer many different types of motorcycle coverage to protect both you and your vehicle. Before you make your choices, do a little research into coverage options and costs. Everyone’s needs are different. Make sure you get a comprehensive policy which protects you and your assets in the event of an accident or claim. Do some comparison shopping to find the coverage you need at a price you can afford.