How to Get Car Insurance Massachusetts Quote

Driving without insurance is illegal in Massachusetts. To get a car insurance quote in Massachusetts, you must go online, speak with a licenced professional, or connect with an independent agency in your region.

How to Get Car Insurance Massachusetts Quote

Massachusetts allows you to exclude family members of driving age from your policy if they don’t drive your car, but you’ll need to give your insurer an “exclusion form” to do so. Moreover, using your credit score by insurance companies to calculate your auto insurance rate is prohibited in Massachusetts.

#1. Make Some Inquiries

Get recommendations from people you know and trust, such as your friends, neighbours, and coworkers. You may also see how many complaints were filed against each insurer with groups like the Better Business Bureau and the National Association of Insurance Commissioners.

#2. Get Several Quotes.

Investigate your existing insurer’s premiums and savings offers while gathering as many competitive price quotations as possible from different providers. Although this can be time-consuming, it is often necessary to discover what costs, protections, and advantages are genuinely on offer. Insurance quotes from companies that don’t use agents can be obtained via telephone or online. The only way to get a price from other insurance providers is through an agent.

Call the insurance company or go to its website to identify an agent representing the insurance company from which you want a quote. Additionally, you can also look for agents by insurance company on the Division of Insurance’s Agent Finder website by using the “Detailed Agent Search” tool.

You should be aware that even though some agents can obtain quotations from multiple insurance companies, others can only obtain prices from one or two. As a result, it is common practise to consult with more than one insurance agent.

#3. Get Written Quotes

Ensure that every estimate you receive contains a “coverage selections page” with the coverages, limitations, and deductibles you desire. Read through the coverage selections page thoroughly to check that everything is as you asked and that all information is valid. Inform the insurance agent and/or company of the errors immediately and request written confirmation of any adjustments.

#4. Compare the Quotes

Remember that coverages, limitations, deductibles, and discounts can significantly impact rates when comparing quotations. A minor difference in these areas can transform a bad statement into a good one. Be aware that not all insurers provide the same total benefits. This, otherwise, can make comparing quotes more complex.

#5. Inquire About Discounts and Benefits.

You may be denied if you do not inquire about discounts and advantages. Check whether the discounts you are eligible for from each insurer will affect your rate and if those discounts are represented in your quote.

Massachusetts Car Insurance Requirements

Since insurance regulations and coverage differ from state to state, it’s important to understand what compulsory coverage, or mandated vehicle insurance coverage, Massachusetts requires.

#1. Massachusetts Bodily Injury Liability Insurance

In Massachusetts, bodily injury to others liability coverage (often abbreviated as BI) is required to operate a car lawfully. Anyone hurt in an accident where the driver was at fault can use this coverage to help pay for their injuries and medical costs (up to the predetermined maximum).

Bodily Injury to Others liability in Massachusetts is established at $20,000 per person and $40,000 per accident but only applies to accidents within the state. Although this policy is unavailable outside of Massachusetts and may not provide adequate coverage in the event of a catastrophic collision, many drivers prefer to supplement their coverage by adding Optional Bodily Injury to Others. Optional bodily injury to others coverage is often available in amounts ranging from $20,000/$40,000 to $500,000/$500,000 and can apply to accidents occurring anywhere in the United States.

#2. Coverage for Damage to Someone Else’s Property in Massachusetts

In a collision where the insured is at fault, property damage coverage can help pay for repairs to their car and any other vehicles involved. Be advised that Massachusetts’s legal minimum limit for property damage coverage is only $5,000 per accident. Despite the rising cost of components, repairs, and expert work, drivers must choose restrictions that match their needs.

In most cases, coverage is offered up to $250,000. Consult with a local insurance agent to determine the appropriate limitations for your Massachusetts insurance policy.

#3. Massachusetts Personal Injury Protection (PIP)

In Massachusetts, personal injury protection is required, generally known as PIP or no-fault coverage. Whether or not health coverage is available determines the maximum amount of coverage accessible in Massachusetts, which is $8,000. There are also deductible options to consider.

Personal injury protection often covers medical expenses, funeral costs, and lost wages resulting from an accident, regardless of guilt. Personal injury protection can also cover replacement services; however, it depends on whether the injured party has health insurance.

PIP may reimburse up to $2,000 if the individual has health insurance, unless the expenses are not covered. Because PIP coverage in Massachusetts does not extend to motorcycle accidents, many riders opt for medical payment coverage, sometimes known as MedPay.

#4. Auto Insurance in Massachusetts for Victims of Uninsured Drivers

Bodily injury resulting from an uninsured motorist, also known as UM, is the final required coverage in Massachusetts. The minimum UM coverage in Massachusetts is $20,000 per person and $40,000 per accident.

When the at-fault party does not have insurance or is unknown, such as in a hit-and-run case, this helps cover the insured’s injuries or medical expenditures. Bodily injury settlements in Massachusetts, where uninsured coverage is required, may be able to compensate for things that health insurance normally does not, such as pain and suffering.

Best Car Insurance Massachusetts

Auto insurance is legally required in Massachusetts to operate a vehicle and is required to register an automobile in Massachusetts. In Massachusetts, all private passenger automobiles must have one of four types of car insurance coverage. Mandatory coverage is also known as compulsory coverage.

Driving in Massachusetts requires having the most suitable car insurance, as anything less is inadequate when driving I-90. However, finding suitable auto insurance coverage from a reputable provider that meets your specific requirements can be challenging. I have conducted thorough research and gathered relevant information to assist you.

#1. Liberty Mutual

Auto insurance add-ons from Liberty Mutual include gap insurance, superior car replacement, and accident forgiveness. They offer discounts to teachers, military personnel, and good students, as well as premium reductions for safe driving.

Although Liberty Mutual’s variety of coverage options and discounts helped it earn a 4.5-star rating from NerdWallet, the sector in which this insurer truly shines is its simplicity of use. The online portals provided by Liberty Mutual make it simple to create a policy, file claims, and pay your premiums. This insurance further offers online quotations, easy app access via QR codes on its website, online bill payment, and online accounts that are easily accessible.

#2. Progressive

Progressive’s extensive coverage options and savings make it an excellent choice for Massachusetts drivers, who may add trip interruption coverage, pet injury coverage, rideshare coverage, and other benefits to their plans. Furthermore, Progressive also provides some incentives, such as a Deductible Savings Bank program. The insurance will remove $50 from your collision or comprehensive deductibles if you go six months without committing a traffic ticket or making a claim.

Progressive is NerdWallet’s best overall vehicle insurer for Massachusetts due to its extensive offers and large nationwide network of independent and local agents.

#3. Geico

Geico has the most economical full-coverage auto insurance for speeding drivers, costing $1,338 less than the state average. Speeding tickets raise auto insurance costs by 34% on average in Massachusetts.

On the other hand, if you have an at-fault accident on your record, Geico provides the lowest prices for a full coverage policy, with an average monthly rate of $170. Geico’s car insurance is 37% less expensive than the average cost of coverage after an accident in Massachusetts, which is $271 per month.

How Much Does Car Insurance Cost in Massachusetts per Month?

Massachusetts’s average car insurance premium is $1,201 per year, or $100 per month—15.8% less than the national average.

How Much Is Car Insurance for a 20-Year-Old in Massachusetts?

Average car insurance costs in Massachusetts by age and gender:

Age 16*, $252, $3,025;
Age 18, $388, $4,660;
Age 20, $249, $2,986;
Age 25, $120, $1,439.

How Much Is Car Insurance for a New Driver in Massachusetts?

On average, car insurance for a new driver in Massachusetts costs between $1,500 and $5,400 a year.

What Is the Minimum Car Insurance in Massachusetts?

Massachusetts law mandates you to carry bodily injury liability limits of at least $20,000 per person and $40,000 per accident, as well as $5,000 in property damage liability coverage. Additionally, you must have bodily injury resulting from uninsured auto coverage of at least $20,000 per person and $40,000 per accident.

How Much Is Car Insurance on Average in Massachusetts?

In Massachusetts, the average cost of vehicle insurance is $1,550 for full coverage or $617 for state-minimum coverage. Young drivers will pay $3,504 on average per year. I discovered that State Farm has the lowest average premiums.

Why Is Car Insurance So Expensive in Massachusetts?

At this point, Massachusetts’s higher cost of living means higher fees for medical care, auto repairs, and litigation. In conclusion, Massachusetts has more claims for property damage and personal injury per vehicle than nearly every other state. The cost of insurance rises in tandem with the number of claims.

What Is the Cheapest Time to Insurance a Car?

Most auto insurance policies last a year, with a new price computed around a month before the policy expires. Conversely, you should never let your subscription auto-renew because you will almost certainly overpay. Always compare costs 20 to 26 days in advance, typically the lowest period.

Do You Need a License to Insure a Car in Massachusetts?

Auto insurance companies may classify unlicensed drivers as high-risk drivers, but you can still purchase auto insurance without one.

Do You Need Proof of Insurance in Massachusetts?

Electronic proof of insurance is permitted in almost all states and the District of Columbia. Since Massachusetts law mandates that insurance information be displayed directly on the vehicle’s registration, no other state requires drivers to carry proof of insurance.

Do You Need Insurance to Buy a Car in Massachusetts?

In Massachusetts, you need proof of auto insurance before registering your vehicle. Compulsory (or mandatory) coverages are four types of insurance that everyone must have by law, with the option to buy more if desired.

Next Steps

Obtaining the most affordable car insurance in Massachusetts may initially appear advantageous; however, opting for a low-cost policy can potentially result in unfavorable consequences during times of need. The desired auto insurance should be both affordable and reliable, particularly in the event of an accident.

How to Get Car Insurance Massachusetts Quote: Free Online Quote