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426 Main Street Suite 2

Stoneham, MA 02180

Call: 781-438-1375

Fax: 781-438-6790

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Motorcycle Insurance

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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! 

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Massachusetts Motorcycle Insurance
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Request Motorcycle Insurance Quote

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

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


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.

Location
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.

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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

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What Others Are Saying About Us!

Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
1698691773
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
1698119096
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
1696361074
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
1695934615
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
1690206403
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
1689254503
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
1687787112
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
1685988192
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Bible4Shelley
Bible4Shelley
1685148846
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
1683825783
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
1682990146
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
1681827535
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
1680807226
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
1678895614
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
1670772058
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
1670612597
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
1669143561
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
1668718966
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
1663539289
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
1662487813
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
1661537083
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
1656174402
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
1656019779
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
1655980116
Always responsive, professional and helpful.
Devin Cole
Devin Cole
1654628713
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
1653401533
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
1653400226
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
1651851616
LoPriore has been amazing to work with, they handled our insurance (Auto & Home) needs quickly, efficiently, and professionally. Working with Maria was seamless and stress-free. Not only did we save money, but we have a REAL person to connect with for any questions, concerns or general updates that arise. We are no longer just a number that is forgotten! Thank you!
Mona Hansley
Mona Hansley
1651787800
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
1556196383
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
1540557208
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
1540331621
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
1539883859
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
1538484673
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
1526074049
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno
1520269176
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