How can you get the best car insurance quotes in MA?
Massachusetts drivers need auto insurance to get everywhere they need to go in the Bay State, from Boston to Salem. We understand that searching for car insurance can be tedious and that it is sometimes a pain to get multiple Massachusetts car insurance quotes from different providers, which is why we strive to make it as easy as possible by having it all in one place.
To help you find the best car insurance, our review team explores the cost of Massachusetts car insurance, the state minimum car insurance requirements, and more to answer your questions about insurance in the Bay State.
Whenever you’re shopping for affordable car insurance, we recommend getting quotes from multiple providers and comparing them to be sure you’re getting coverage for the best possible price, as many factors can impact your car insurance quote. To help you make a more educated decision, our review team evaluated 30 of the best automobile insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top 12 picks, including providers such as USAA, Geico, Progressive, and Liberty Mutual.
Enter your zip code into the tool below to start comparing auto insurance quotes, or call us at (855) 518-0148 for free, personalized quotes.
In this article:
- Massachusetts Auto Insurance Minimum Requirements
- Factors That Affect Massachusetts Car Insurance Quotes
- What’s The Cost For Car Insurance In Massachusetts?
- How To Get Cheap Auto Insurance In Massachusetts
- What If I Can’t Afford The Minimum In Massachusetts?
- Top Picks For Car Insurance Quotes In Massachusetts
Massachusetts Auto Insurance Minimum Requirements
Massachusetts has liability insurance limits of 20/40/5. This means that when you get auto insurance in Massachusetts, you are required by law to carry at least the following amounts of liability coverage:
- $20,000 in bodily injury protection per person
- $40,000 in bodily injury protection per car accident
- $5,000 in property damage liability per car accident
Drivers in Massachusetts are also required to carry at least $8,000 in personal injury protection (PIP). There are two kinds of PIP coverage offered in the state of Massachusetts. The first is policyholder-only coverage that only covers the owner of the policy. The second is household coverage that covers the policyholder and other household members.
When you start gathering Massachusetts car insurance quotes, you will see that you have the option to purchase additional coverages like collision insurance, comprehensive car insurance, uninsured/underinsured motorist coverage, and more. Many companies let customers customize protection plans so they only pay for coverage they want.
Factors That Affect Massachusetts Car Insurance Quotes
The cost of your car insurance premium in Massachusetts depends on a number of factors, including:
- Information about the insured vehicle (make, model, and year)
- Number of miles you drive annually
- Your driving record
- Personal factors such as your age, gender, and marital status
- How long you’ve been driving
- Your exact location
- Your credit score
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare car insurance coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Use our easy tool below to enter your zip code or call (855) 518-0148 to start comparing personalized auto insurance quotes:
What’s The Cost For Car Insurance In Massachusetts?
The average cost of car insurance in Massachusetts was $1,136.60 in 2017 according to the National Association of Insurance Commissioners (NAIC). This was higher than the national average of $1,004.68, making Massachusetts the 12th most extensive state for car insurance in the U.S.
Here’s a breakdown of the coverage costs for car insurance in Massachusetts that year according to the Insurance Information Institute:
|Type Of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
How To Get Cheap Auto Insurance In Massachusetts
There are many factors that go into determining the price of your premium. Some ways to save money and find the cheapest car insurance coverage include:
- Asking your local car insurance agent about discounts: Discounts vary from provider to provider, but some of the most common car insurance discounts include good driver discounts, good student discounts, and customer loyalty programs.
- Improving your credit score: People with lower credit scores tend to file more claims than those with higher credit scores. Because of this, many insurance companies use credit scores as a factor in determining your premium. Improve your credit score over time to see lower auto insurance quotes in Massachusetts.
- Bundling home and auto policies: Consider buying your home insurance from the same provider as your automobile insurance to bundle policies and start saving.
What If I Can’t Afford The Minimum In Massachusetts?
Motorists caught driving without insurance in Massachusetts could face serious penalties, such as:
- Fines between $500 and $5,000
- Up to 1 year in jail
- Suspension of driver’s license, registration, and plates for up to 60 days
Once drivers have proof of insurance, they must pay a reinstatement fee and file the proper paperwork to have their driving privileges reinstated.
Top Picks For Car Insurance Quotes In Massachusetts
When you’re looking for a car insurance provider, it’s smart to compare car insurance quotes from multiple sources. We recommend drivers in Massachusetts look to Geico and USAA for car insurance.
Geico Insurance Quotes
Our research found that Geico car insurance is the best overall, and it’s also our top choice for Massachusetts. Geico has a strong reputation among industry experts and satisfied customers. The company received an A++ (Superior) financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB).
If you’re a Massachusetts driver looking for affordable car insurance coverage, Geico has many discount opportunities that you could qualify for, including good driver discounts, discounts for anti-theft equipment, and federal employee discounts.
USAA Insurance Quotes
In our review of USAA car insurance, we found that USAA is the best automobile insurance provider for military personnel and their families. The company has received an AM Best financial strength rating of A++ (Superior) and consistently tops studies by J.D. Power.
USAA has a number of discount opportunities, including a usage-based insurance program that determines car insurance rates based on your driving behavior instead of using a credit score. The program uses the company’s app, which has a 4.8 out of 5-star rating on Google Play. Make sure to ask about other discounts when you reach out for a quote.
To compare the cheapest car insurance quotes in Massachusetts, use the easy tool below to enter your zip code or call our team at (855) 518-0148.
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