Massachusetts Car Insurance

Last Updated on January 7, 2020

Boston, Massachusetts

InsurancePanda’s guide to Massachusetts. Image credit.

Massachusetts was the 6th state admitted to the United States back in 1788 and by that time, the state had already made a name for itself. In every modern-day history class, children learn about the Plymouth settlement and the journey the Pilgrims made across the ocean on the Mayflower. In 1692, Salem was the site of the Salem Witch Trials, a time period in America’s history that still fascinates people to this day. Harvard University, the country’s oldest institution of higher learning is located in Massachusetts and the state played a vital role in the Revolutionary War that won America’s independence. In today’s modern society, the state’s historical significance is widely recognized. From horses to buggies to cars, Massachusetts residents have always been concerned with the safety and rights of others. If you drive a car in Massachusetts, it’s required that you have auto insurance. Continue reading to learn more details about specific policies and limits that may be required.

Average Auto Insurance Prices in Massachusetts

Insurance prices can fluctuate greatly depending on certain things. To get the best prices, you always want to make sure that you’re shopping around. If you just go with the first policy and pricing quote that seems reasonable, you may be paying for coverage you don’t necessarily need.

  • Current average annual auto insurance premiums in the United States: $1613.49
  • Current average annual auto insurance premiums in Massachusetts: $1051.60

Massachusetts is one of the most expensive states for auto insurance but there are certain factors that will influence your premium for better or for worse.

Some of these factors include:

  • Age
  • Location
  • Vehicle make and model
  • Driving record

One thing that sets Massachusetts apart from other states when determining your premium is the things they can’t use to determine your premium like:

  • Credit Score
  • Gender
  • Marital status
  • Race
  • Occupation
  • Home Ownership

Surprisingly, these are very common factors that other state insurance companies use frequently but not in Massachusetts. Raising or lowering insurance premiums for any of the above reasons is illegal.

Massachusetts Minimum Auto Insurance Requirements

Like New York, Massachusetts employs a no-fault insurance system. Normally, an insurance company will first determine who caused the accident before remitting any benefit payments. In this scenario, if another driver causes an accident, your insurance company has the ability to deny their claim. While this saves the insurance company money, the downside is that it can put you in a dicey legal situation if the other accident victim decides to take you to court. The no-fault system tries to eliminate the courts from the insurance process by automatically providing coverage for all injured parties, regardless of fault. Because of this, victims lose their right to sue. This means that Massachusetts has different minimum requirements for policies.

See below to find out more:

  • Bodily Injury Liability per person: $20,000
  • Bodily Injury Liability per accident: $40,000
  • Property Damage Liability: $5,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $20,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $40,000
  • Personal Injury Protection: $8,000

The following amounts and policies are recommended.

  • Bodily Injury Liability per person: $100,000
  • Bodily Injury Liability per accident: $300,000
  • Property Damage Liability: $50,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $100,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $300,000
  • Personal Injury Protection: $8,000
  • Medical Payments: $10,000
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

It’s also worth noting that insurance companies in Massachusetts are allowed to develop their own merit rating plan. Before, if you received a traffic violation the law determined what kind of insurance fees you were charged. Now, insurance companies set their own fees and discounts so it really pays to research different companies thoroughly to find an affordable policy. If an insurance company doesn’t want to do this, the Safe Driver Insurance plan is employed, which rewards drivers with clean driving records.

Penalties for Driving Without Insurance in Massachusetts

Unlike many other states, Massachusetts doesn’t require that you carry a form of insurance identification with you. Your car’s registration serves as proof that you have insurance. But don’t let the fact that no one is double-checking your insurance card keeps you from maintaining the legal amount of insurance. You can still receive a traffic citation for letting your coverage lapse, which will affect your driving record. When you go to renew your insurance, you’ll find that your premium may have increased significantly.

As a side note, even if you’re not a Massachusetts resident, you may need to invest in an MA policy. If you drive in the state for 30 days or more each year, the policy that you currently have must reflect Massachusetts legal minimums. Otherwise, you face a penalty as well.

How to Get Auto Insurance in Massachusetts

Now more than ever, it’s easier to find affordable insurance but it does take time and effort. Searching through multiple listings of insurance companies and then contact each one individually can be frustrating but finding your new insurance policy doesn’t have to be difficult. If you live in Massachusetts, get a custom quote for your vehicle by using our auto insurance quote comparison tool. It will provide you with a customized quote from insurance companies right in your area.

Additional Massachusetts Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

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