426 Main Street Suite 2

Stoneham, MA 02180

Call: 781-438-1375

Fax: 781-438-6790

Mon - Fri: 9:00 - 5:00

Contact Us 24/7 Online

Motorcycle Insurance

Motorcycle Insurance - Featured Image 6X4
Ride With Confidence & Your Motorcycle, Fully Insured!

Your motorcycle holds immense value, making it essential to secure comprehensive protection for both your bike and yourself with motorcycle insurance. Just like finding the perfect motorcycle, choosing the right insurance means getting coverage that fits your lifestyle and budget. As an independent Massachusetts insurance agency, LoPriore collaborates with multiple insurance companies, allowing us to offer diverse motorcycle insurance options that deliver the best coverage at competitive prices. Safeguard your prized possession with us today! 

Start Comparing Your
Options Below

Massachusetts Motorcycle Insurance
Quote Options

In just a few minutes, you can compare quotes from several insurance companies

Request Motorcycle Insurance Quote

For a motorcycle insurance quote, simply click the button below. We will contact you to discuss coverage options and discounts.

Upload Your
Current Policy

Already have a policy? Easily upload your insurance policy so we can explore and compare true apple-to-apple options.

Talk To An

Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.

Request Motorcycle Insurance Quote

For a motorcycle insurance quote, simply click the button below. We will contact you to discuss coverage options and discounts.

Upload Your
Current Policy

Already have a policy? Easily upload your insurance policy so we can explore and compare true apple-to-apple options.

Talk To An

Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.

Massachusetts Motorcycle Insurance
Lopriore Insurance Agency

Massachusetts Motorcycle Insurance
Lopriore Insurance Agency

Motorcycle Insurance - Service Page Image

At LoPriore Insurance Agency, we recognize the significance of protecting your cherished motorcycle. As a motorcycle enthusiast, you encounter potential risks and unforeseen events that could lead to damages or liabilities. To ensure your peace of mind and safeguard your prized possession, obtaining the right insurance coverage is of utmost importance.

Our motto, “we make insurance easy for you,” truly embodies our commitment to providing personalized solutions for motorcycle owners. We understand that each motorcycle is unique, and there is no one-size-fits-all approach. Our team takes the time to understand your specific needs and customizes a Motorcycle Insurance policy that perfectly aligns with your requirements, providing you with the most suitable coverage for your treasured bike.

With our extensive network of insurance providers, we offer a diverse range of coverage options tailored to fit your motorcycle’s needs, ensuring you receive the protection you need without unnecessary complexities or uncertainties. At LoPriore, we strive to make the insurance process hassle-free, providing you with peace of mind, so you can fully embrace your motorcycle adventures without worries. Whether you ride a cruiser, sportbike, or vintage beauty, we are here to help you navigate the intricacies of insurance, offering customized solutions that preserve and enhance your riding experience for years to come.

Understanding the Importance of
Motorcycle Insurance

The purpose of motorcycle insurance is to offer financial protection to motorcycle owners in the event of accidents, damages, or liabilities. It provides peace of mind and ensures that riders can enjoy their passion for riding while being safeguarded against potential risks and expenses.

What is It?

Motorcycle insurance offers coverage for a range of street legal recreational vehicles, such as motorcycles, scooters, mopeds, and segways. This insurance policy provides protection for bodily injury, theft, and property damage, ensuring that owners can ride with confidence and enjoy their recreational vehicles responsibly.

Why Do I Need It?

In Massachusetts, motorcycle drivers are required by law to carry at least liability coverage in order to operate their motorcycles. Additionally, if you are financing the motorcycle, your lender may mandate you to purchase additional coverage to ensure comprehensive protection.

Who Is It For?

Owning a motorcycle or a similar recreational vehicle necessitates having a motorcycle insurance policy, not only because it's legally required but also because it offers valuable protection against potential road hazards. With a motorcycle insurance policy in place, you can ride confidently, knowing you have essential coverage to safeguard yourself from unforeseen dangers on the road.

How To Insure My Motorcycle

Before you embark on insuring your motorcycle, there are a few essential items you’ll need to gather. These items vary depending on the insurance provider and your specific requirements, but generally, the year of the motorcycle, make, and model is necessary to get started. Contact an independent insurance agency to compare coverage options and to provide you with insurance quote options that fit your needs and budget. Now that you’re equipped with this essential information, you’re ready to start the journey to insure your beloved motorcycle and ride confidently on the roads ahead!
Motorcycle Insurance - Insure Vehicle

Tips for buying Motorcycle Insurance

When insuring your motorcycle, it’s vital to make well-informed decisions to ensure your prized possession is thoroughly protected.
Here are some essential tips to consider:
Know What You Need

Determine the coverage you need based on your motorcycle's value, usage, and personal preferences. 

Motorcycle Safety Classes

 Completing a state-approved course can lead to insurance discounts, as it enhances skills, and safety awareness and reduces risks on the road.

Shop Smart

Work with an independent insurance agent that can help you understand insurance coverages and find the right coverage at the right price. 

How much does Motorcycle Insurance Cost?

Motorcycle Insurance - Cost

The cost of Motorcycle Insurance can vary significantly depending on several factors. These factors may include the make and model of the motorcycle, its engine size, the rider’s age and driving history, the coverage limits chosen, the deductible amount, and the location where the motorcycle is primarily ridden and stored. Additionally, optional coverages, such as comprehensive and collision insurance, can also impact the overall cost. To get an accurate estimate of the cost of Motorcycle Insurance, it’s best to request quotes from an independent insurance agent. An Insurance Agents can help you find the best coverage at a price that suits your budget while providing the protection you need for your beloved motorcycle.

Factors that Affect The Cost Of Motorcycle Insurance

As you explore motorcycle insurance options, it’s essential to understand the various factors that can affect its cost. These factors play a significant role in determining the overall cost of your motorcycle insurance. Being aware of these factors will help you make informed decisions and find the right coverage that suits your needs and budget.

Coverage Type
And Limits
Driving History
Safety Features
Usage Frequency
Claim History
Deductible Amount
Click On Each Factor
To Learn More

Ride Smart, Insure Smarter
Get Motorcycle Insurance Today!

Get a motorcycle insurance quote quickly and easily by contacting your local independent insurance agency directly. With just a few simple steps, you can receive a personalized quote that provides the coverage you need for your motorcycle adventures.

Ride Smart, Insure Smarter
Get Motorcycle Insurance Today!

Get a motorcycle insurance quote quickly and easily by contacting your local independent insurance agency directly. With just a few simple steps, you can receive a personalized quote that provides the coverage you need for your motorcycle adventures.

Motorcycle Insurance Coverage Details

When it comes to insuring your motorcycle, understanding the coverage details is crucial. Motorcycle insurance provides comprehensive protection for your bike, ensuring you can enjoy your rides with confidence. Here are the key coverage details to consider when choosing the right policy for your beloved motorcycle.

Massachusetts Compulsory Auto Insurance Required Coverages

Bodily injury to others
Motorcycle insurance in Massachusetts covers legal liability for accidental injury or death of others caused by your motorcycle operation within the state, up to $20,000 per person and $40,000 per accident. For additional protection, consider adding optional bodily injury coverage if you drive outside of Massachusetts, have guests on your motorcycle, or to safeguard against potential higher liability costs.
Personal injury protection (PIP)
In Massachusetts, Personal Injury Protection (PIP) coverage in motorcycle insurance pays up to $8,000 for medical expenses, replacement services, and 75% of lost wages. It covers you, any permitted drivers, household members, passengers, and pedestrians, regardless of fault. PIP also reimburses medical expenses exceeding $2,000 after submission to your health insurer.
Bodily injury caused by an uninsured auto
In the event of bodily injury caused by an uninsured automobile, uninsured motorist coverage in your motorcycle insurance provides financial protection for you and your passengers. This coverage ensures that you are compensated for medical expenses, lost wages, and other damages resulting from the accident, even if the at-fault driver is uninsured or underinsured.
Property Damage
Property damage liability coverage in your motorcycle insurance protects you financially if your motorcycle causes damage to someone else's property. This coverage provides compensation for the repair or replacement costs of the damaged property, such as another vehicle, fence, or building, up to the policy's specified limits.

Optional Auto Insurance Coverages

Optional bodily injury to others
The optional bodily injury coverage extends your liability protection beyond the mandatory limits required in Massachusetts, offering coverage for accidents anywhere in the United States, its territories or possessions, or Canada. It also includes bodily injury coverage for passengers riding on your motorcycle, providing added protection for you and your passengers in case of accidents.
Medical payments
Medical payments coverage in motorcycle insurance provides financial assistance for necessary medical expenses resulting from injuries sustained in an accident, regardless of who is at fault. This coverage can help alleviate the burden of medical costs for you and your passengers, ensuring you receive prompt medical attention without worrying about expenses.
Collision coverage
Collision coverage pays for damages to your motorcycle, less any deductible, regardless of fault. Personal property is not covered unless permanently installed on the bike, and a "waiver of deductible" option can be purchased to avoid the deductible when the accident is caused by an identifiable driver.
Limited collision coverage
Limited collision coverage in motorcycle insurance pays for collision damage to your bike when you are no more than 50% at-fault for the accident, and the other vehicle's owner is identifiable. This coverage provides partial protection for your motorcycle in such scenarios, helping to cover repair costs when you share responsibility for the accident.
Comprehensive coverage
Comprehensive coverage pays for non-collision damages or loss to your motorcycle, including fire, theft, vandalism, and animal strikes. Personal property is not covered unless permanently installed, and you can choose a deductible amount to balance your premium and out-of-pocket expenses in case of an accident.
Substitute transportation coverage
Under motorcycle insurance, rental reimbursement coverage pays for car rental or transportation costs, such as taxi, bus, or train fare, up to the limit purchased, while your motorcycle is being repaired due to a covered collision or damages. This coverage ensures you have alternative transportation options during the repair process, allowing you to stay mobile and continue with your daily activities.
Optional medical payments coverage
Optional medical payments coverage in motorcycle insurance provides additional financial support for medical expenses incurred by you, your household members, and passengers, exceeding the limits covered by personal injury protection (PIP), regardless of fault in the accident. This optional coverage offers enhanced protection and peace of mind, ensuring necessary medical costs are covered beyond the basic PIP coverage.
Towing and labor coverage
Towing and labor coverage pays up to the purchased limit for towing and on-site labor charges whenever your bike breaks down, regardless of whether an accident is involved. However, this coverage does not include the cost of parts; it solely covers the labor expenses required to get your motorcycle running again at the breakdown site.
Bodily injury caused by an underinsured auto
This optional coverage pays if a motorist injures you with liability limits less than the amount of the damages you are entitled to recover. The other motorist’s policy pays its limits first, and then yours pays any remaining losses up to the amount purchased. This coverage will not pay for damage to property.
Other coverages
Insurers may offer additional features such as roadside assistance, accident forgiveness, auto loan/lease coverage, multiple deductible options, and even pet coverage to compete for customers. These extra features provide more options and benefits to policyholders.

Already Have Insurance Upload Your Policy

Switching Your Insurance Made Easy!

Upload Your Current Insurance Policy to Compare & Save!

Policy Comparison Submission
Already have coverage and want to compare? Scan your coverage page and upload it here. Accepted file types: .jpg, .png, .pdf, .doc, .docx.

What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Protection, Extra Peace of Mind

Get a free motorcycle insurance quote by simply filling out our form. We’ll provide you with personalized coverage options to protect your ride and ensure you hit the road with confidence and peace of mind.

Quote Request Form

Request A Personal Insurance Quote Form
Upload your current policy coverage page and we will do all the quoting for you.

Motorcycle Insurance FAQs

There are many factors in determining the cost of your motorcycle insurance policy, including:
• The year, make, and model of your bike
• How you store your bike in the off-season
• Your driving record

While you may not plan to have your motorcycle on the road during the winter, there are still potential risks you want to have coverage for. For instance, your homeowner’s policy doesn’t protect your motorcycle while it’s in storage.

In Massachusetts, you must at least have liability coverage to legally operate a motorcycle.

The required liability coverage Insurance for your motorcycle is similar to car insurance. You can purchase the required minimum amount of liability coverage, or provide protection similar to the comprehensive and collision policies on your car.

The required liability coverage doesn’t cover injuries to passengers on your motorcycle. However, you can purchase optional coverage like Bodily Injury to Others and Medical Payments to protect your passengers.

Still HAve Questions? Get Answers

LoPriore Best Homeowners Insurance Agency Boston

See What Others Are Saying About Us!