What Does Motorcycle Insurance Cover?
From fender to frame—and everything in between—here’s what your policy can include
Collision Coverage
Helps pay for damage to your bike if you collide with another vehicle, object, or road hazard—regardless of fault.
Liability Coverage
Covers injuries or property damage you cause to others in an accident. Often required by state law.
Comprehensive Coverage
Protects against theft, fire, vandalism, weather events, and other non-collision losses.
Medical Payments
Helps cover medical costs for you and your passenger, no matter who was at fault.
Towing & Roadside Assistance
Covers emergency services like towing, battery jump, fuel delivery, or flat-tire help while you’re on the road.
Custom Parts & Equipment
Adds protection for aftermarket accessories like saddlebags, chrome parts, or custom paint jobs.
The road’s unpredictable—your coverage shouldn’t be.
Why Riders Choose Cherries Insurance
Because the open road deserves honest protection.
Tailored for Motorcyclists
Coverage that fits your lifestyle—whether you ride daily or seasonally.
No Spam, No Pressure
Get insured online with zero phone calls or sales tactics.
Fast Claims, Real Help
When things go wrong, we’ve got your back—quickly and clearly.
Flexible Policy Options
Choose from top-rated carriers to match your bike and your budget.
Motorcycle Insurance FAQs
Answers that go the distance—just like your ride.
Is motorcycle insurance required in Massachusetts?
Yes. Massachusetts law requires motorcycle owners to carry liability insurance at minimum. You may also need proof of coverage to register your bike.
What does motorcycle insurance typically cover?
Most policies include liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage. Optional add-ons include roadside assistance and custom parts protection.
Can I insure a seasonal or stored motorcycle?
Yes. You can adjust your coverage during off-season months to reflect storage, helping reduce your premium while keeping your bike protected.
Does motorcycle insurance cover passengers?
Passenger coverage isn’t always included by default, but it can be added to your policy to cover injuries for anyone riding with you.