Guide to Auto Insurance in Massachusetts

Strategies to help you cut costs on Massachusetts car insurance

By Matt Alderton

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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 must 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:

When buying auto insurance in Massachusetts, drivers must purchase bodily injury liability (BIL), personal injury protection (PIP), property damage liability (PDL) and uninsured motorist bodily injury (UM) coverage; collision and comprehensive coverage are recommended, but not required.
Auto insurance in Massachusetts must include PIP coverage of up to $8,000 for the driver of your car to pay for his or her injuries or death in the event of an accident.
Auto insurance in Massachusetts must include BIL coverage of at least $20,000 per person and $40,000 per accident for costs associated with the injury or death of others in a wreck.
Auto insurance in Massachusetts must include PDL coverage of at least $5,000 for damage to another person's property in an accident.
In Massachusetts, auto insurance must include at least $20,000 per person and $40,000 per accident in uninsured motorist bodily injury (UM) coverage in the event that you’re in an accident with an uninsured or hit-and-run driver.

Action Steps
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.

Tips & Tactics
Helpful advice for making the most of this Guide

Consider buying more coverage than is required by state law; minimum Massachusetts auto insurance might not be enough to cover car repairs or medical bills after an accident.
Penalties for drivers who don't have Massachusetts auto insurance include driver's license and license plate suspension, cash fines of at least $500 and up to $5,000, and even jail time.
If you're leasing or financing your car, dealerships might require you to have more and better Massachusetts auto insurance than is required by state law.
Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in Massachusetts.

The official source of Auto Insurance in Massachusetts is
the Auto Insurance in Massachusetts page at Business.com

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