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This page features facts about Massachusetts car insurance, state laws, and tips on minimizing your annual premiums.
Read on to discover the Massachusetts auto insurance package that best suits your individual needs.
Massachusetts Minimum Liability Requirement
The minimum per-vehicle car insurance mandated by Massachusetts state law is low compared to other U.S. states.
Massachusetts car owners must insure each vehicle with $20,000 in Personal Injury Protection (PIP), $40,000 against death or injury to others, and $5,000 to cover property damage.
In other words, Massachusetts law requires 20/40/5 in car insurance.
for Driving Uninsured in Massachusetts
Driving uninsured in Massachusetts (assuming you are caught) results in fines of up to $500 for a first offense.
Repeat violations are met with fines up to $5,000 and a year in jail.
That's why Massachusetts has the lowest percentage of uninsured vehicles in the United States. Less than five percent of vehicles on Massachusetts roadways are uninsured.
Compare Car Insurance Rate in Massachusetts
The average annual auto insurance premium in Massachusetts last year was $1,625, slightly above the national average of about $1,510.
Massachusetts actuaries consider a number of factors when calculating car insurance premiums.
Site-specific factors include climate, economy, percentage of uninsured vehicles on the road, and neighborhood crime rates, among other things.
Among the personal demographics that influence premium rates are the driver's age, gender, marital status, driving record, and physical or mental health.
Lowering the Cost of Massachusetts Car Insurance
Massachusetts car insurance carriers have a merit rating system based on driving
Most auto insurance companies offer discounts to promote safe, smart driving habits. Available discounts may include Accident-Free discounts, Good Driver discounts, Defensive Driving Course discounts, Good Student discounts, Multiple Auto discounts, Multiple Policy discounts, and Vehicle Safety discounts, to name a few.
Recent consumer reports and customer satisfaction ratings suggest that Massachusetts drivers favor Allstate, Progressive, The Hartford, Liberty Mutual, State Farm and 21st Century Insurance.
The state of Massachusetts supports many dozen auto insurance carriers, most of them offering competitive rates.
First, get a few free quotes online.
Then, call five or six auto insurance carriers in your area. Ask each agent about ALL available discounts.
Finally, compare quotes and choose the cheapest premium package.
The little extra time it takes to do this ia as good as putting money in the bank.
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