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Massachusetts Car Insurance

Having reliable car insurance in Massachusetts is crucial for peace of mind while navigating both the bustling streets of Boston and the scenic drives to destinations like Cape Cod and the Berkshires. The last thing you want to worry about during your travels is if you're adequately protected in case of an accident or unforeseen event.

Whether you're exploring historic routes or simply commuting through the city, knowing that you're covered provides a sense of security that enhances your overall experience.

Amica offers customized Massachusetts car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Auto insurance minimums in Massachusetts

In Massachusetts, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $20,000 per person*
    • $40,000 per accident*
  • Property Damage Liability Coverage
    • $5,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs and lost wages. It may also cover legal defense costs if you're sued. This coverage is subject to policy limits and exclusions.

*It’s important to note that the state-mandated minimum bodily injury liability coverage only applies to accidents that occur within Massachusetts. To have coverage for bodily injury liability outside of Massachusetts, you need to purchase additional optional coverage.

Property damage liability coverage: This coverage helps with damage you cause to someone else's property in an auto accident where you're at fault. It includes costs for repairing or replacing the other party's vehicle and other damaged property, like buildings or fences. It may also cover legal fees if you're sued for the damage. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Massachusetts mandates coverages for uninsured motorist bodily injury and personal injury protection (PIP), with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $20,000 per person
    • $40,000 per accident
  • Personal Injury Protection (PIP):
    • $8,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Personal injury protection (PIP): Helps cover medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses and loss of services.

It's important to understand that these are just the minimum requirements, and Massachusetts drivers may choose higher coverage limits for added protection. 

Additional Massachusetts car insurance coverage

Opting for additional auto insurance coverage beyond Massachusetts-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Massachusetts drivers might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

What affects your Massachusetts car insurance rates?

There are several factors that impact the cost of auto insurance in Massachusetts, including individual circumstances, driving history, location and more. Here are some key points to consider:

  • Coverage options and limits: The types and amounts of coverage you select affect your premiums. Basic coverage is less expensive, while additional options with higher limits will increase premiums.
  • Vehicle type: The make and model of your car can impact your Massachusetts auto insurance rates. Safety ratings, repair costs and the likelihood of theft can influence premiums.
  • Claims in Massachusetts: The frequency and severity of claims filed in Massachusetts can affect insurance rates. Higher rates of accidents, theft or other incidents may lead to increased premiums for all drivers in Massachusetts.
  • Weather patterns: Winter storms and hurricanes can influence Massachusetts car insurance rates, especially for comprehensive coverage that includes protection against weather-related damage.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Massachusetts car insurance discounts for more savings

Amica offers various auto insurance discounts to help Massachusetts drivers save money on their premiums. Here are a few ways to save with Amica:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Oregon policy premium up front.

If you're a Massachusetts driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.

Facts and figures about Massachusetts

Fun facts about Massachusetts:

  • The first American lighthouse was built in Boston Harbor in 1716.1
  • Basketball was invented in Massachusetts in 1891.1
  • Boston opened the first underground electric subway line in 1897.1

Facts about driving in Massachusetts:

  • Safe Driver Insurance Plan (SDIP) is a Massachusetts point-based system that sets specific credits and surcharges that an insurance carrier can apply to your premium. Good drivers may receive lower rates, while unsafe drivers may see increased rates.2
  • Massachusetts teens are not allowed to drive between the hours of midnight and 5:00am unless accompanied by a parent or guardian.3
  • Using handheld devices while driving is prohibited in Massachusetts for all drivers.4

How to get car insurance in Massachusetts

We’re here to guide you through the process of personalizing your car insurance in Massacusetts. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Massachusetts drivers based on your unique circumstances and location.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Massachusetts drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 10 Quirky Facts About Massachusetts That Sound Made Up, But Are 100% Accurate
2 Safe Driver Insurance Plan (SDIP)
3 Learner's permit restrictions
4 Hands-Free Law
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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