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    Motorcycle insurance policies are like auto insurance policies, but they’ve been specially adapted for motorcycles. The combination of coverage’s they offer is often slightly tweaked to meet the unique needs of riders.
    Residents who ride a motorcycle need a motorcycle policy. State law requires that anyone who operates a vehicle, including a motorcycle, on public roads maintenance and insurance policy that includes at least minimum levels of coverage.
    • Personal Injury Protection (PIP)
    • Bodily Injury Liability Coverage
    • Comprehensive and Collision Coverage

    What is Motorcycle Insurance?

    Riding a motorcycle is great fun, but it comes with a given amount of risk. In addition to the physical risk that riders assume, they also accept some financial risk. Each year, thousands of motorcycle accidents result in significant settlements. Motorcycle insurance doesn’t protect Massachusetts riders from the physical risks they face, but it may help mitigate financial risks that come with riding.

    Motorcycle insurance policies are like auto insurance policies, but they’ve been specially adapted for motorcycles. The combination of coverages they offer is often slightly tweaked to meet the unique needs of riders.

    What Coverages Are Available Through Motorcycle Policies?

    Some of the coverages that are available through motorcycle policies are similar to those found in auto policies. For example, many motorcycle policies provide:

    • Personal Injury Protection (PIP), which normally covers injuries sustained by people on a bike
    • Bodily Injury Liability Coverage, which normally covers injuries sustained by other people
    • Comprehensive and Collision Coverage, which normally covers damage sustained by a bike
    • Property Damage Liability Coverage, which normally covers damage caused to other property
    • Uninsured and Underinsured Motorist Coverage, which normally covers accidents caused by other people who aren’t properly insured

    In addition to these, some motorcycle policies also make other protections available. For example, a policy might offer:

    • Accessories and Customer Parts Coverage, which may cover aftermarket parts
    • OEM Parts Coverage, which might guarantee covered repairs are made using OEM parts
    • Personal Belongings Coverage, which may cover belongings carried on a bike

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    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    Motorcycle Insurance Massachusetts

    Who in Massachusetts Needs a Motorcycle Policy?

    Most Massachusetts residents who ride a motorcycle need a motorcycle policy. State law requires that anyone who operates a vehicle, including a motorcycle, on public roads maintenance and insurance policy that includes at least minimum levels of coverage.

    In addition to motorcycle owners, people who have a scooter or moped may also be interested in this type of policy. A motorcycle policy can sometimes be adapted to insure a scooter or moped.

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    Are Motorcycle Policies Expensive?

    As is true with auto insurance and many other insurance policies, the premiums charged for motorcycle policies vary. Insurance companies take into account many factors when calculating how much policies cost. Some of the items they may consider include:

    • How large a bike is
    • What type of motorcycle a bike is
    • What aftermarket parts have been added onto a bike
    • How much experience the rider has
    • What the primary rider’s past record is like

    Of course, the coverages chosen also play a role in how much a policy costs.

    Motorcycle Insurance Massachusetts

    Do Motorcycle Owners Need Coverage During Winter?

    Riders who store their bikes during winter may be able to save money by reducing coverages during the off-season, but it’s usually not wise to cancel a policy altogether.

    Canceling coverage can leave a bike unprotected from damage, and it can result in a coverage gap. Gaps can lead to higher premiums in the future.

    An alternative is to reduce coverages during winter while a bike is in storage. Some insurers offer comprehensive-only policies for very low rates. These policies may insure a bike against damage, and they usually can be used to maintain continuous coverage.

    Riders who are interested in altering coverages based on the season should talk with an independent insurance agent who’s familiar with motorcycle policies. Such an agent will know what options are available and be able to compare the various options that different insurers offer.

    Looking For a Quote?

    How Can Massachusetts Riders Get Motorcycle Insurance?

    For help finding motorcycle insurance, contact the insurance agents at Paul T. Murphy Insurance. We’ve helped many riders in Massachusetts find a policy that’s affordable and offers robust coverage, and our independent agents will be happy to assist you.

    Get a Free Motorcycle Insurance Quote!
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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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