Auto insurance in Massachusetts, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Massachusetts auto insurance isn't just something that drivers in the "Bay State" should have; it's something they
have.
Massachusetts auto insurance doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Massachusetts, you need auto insurance in Massachusetts. Here's what kind and how much, according to Massachusetts state law:
The best contacts and resources to help you get it done
Get Massachusetts auto insurance quotes online
If you need Massachusetts car insurance quotes, the Internet is a good starting point. Available from all major car insurance companies in Massachusetts, online quotes offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Massachusetts auto insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Massachusetts car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Massachusetts and all provide competitive Massachusetts auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Massachusetts are
AIG,
Allstate,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Massachusetts.
Get auto insurance from local Massachusetts auto insurance companies
Rates can vary dramatically among Massachusetts auto insurance providers; for some of the most affordable, consider locally based companies.
I recommend: For auto insurance providers in Massachusetts, try Massachusetts-based companies like
Bridge Insurance Associates,
Estabrook & Chamberlain Insurance and
Steffon, James & Finnegan Insurance Agency. Also consider local programs, such as the
Massachusetts Automobile Insurance Plan, which is designed for drivers who can't easily find auto insurance in Massachusetts, and the state’s
Safe Driver Insurance Plan.
Use an independent agent to find Massachusetts car insurance bargains
Buying auto insurance in Massachusetts via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you auto insurance in Massachusetts, use the “agent locator” feature at the
Massachusetts Association of Insurance Agents or search the member directory at the
Independent Insurance Agents & Brokers of America.
Choose Massachusetts auto insurance companies that you can trust
Before doing business with Massachusetts car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Massachusetts. Other good resources are the
Massachusetts Division of Insurance, which licenses car insurance companies in Massachusetts, and the
National Association of Insurance Commissioners, which compiles statistics on complaints about auto insurance companies in Massachusetts.
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