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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. With YourPlan, there’s a range of options that can be tailored to meet your unique 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:
    • $25,000 per person*
    • $50,000 per accident*
  • Property Damage Liability Coverage
    • $30,000 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:
    • $25,000 per person
    • $50,000 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

In addition to meeting Massachusetts’ auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

  • Damage to your vehicle, including accidents and other covered losses.
  • Injuries and medical expenses following an accident, regardless of fault.
  • Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverages and how they work.

Customizing auto insurance in Massachusetts

After reviewing standard and optional coverages, you may be wondering how drivers in Massachusetts typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many Massachusetts drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Massachusetts. Explore coverage options with YourPlan.

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.1 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
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, 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 Massachusetts policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, Bay Staters who bundle their policies with Amica may qualify for a valuable multiline discount.1

Facts and figures about Massachusetts

Fun facts about Massachusetts:

  • The first American lighthouse was built in Boston Harbor in 1716 on Little Brewster Island and is considered the oldest continuously used lighthouse in the country.2
  • In 1891, James Naismith, a Massachusetts physical education instructor, invented basketball as an indoor sport for the winter months.2
  • In 1938, Ruth Wakefield created the Toll House cookie recipe while cooking for her guests at the Tollhouse Inn in Whitman.2

Facts about driving in Massachusetts:

  • For everyone’s safety, the law requires uninjured drivers involved in an accident to move their vehicles to a safe location to prevent additional crashes.3
  • Under the Massachusetts Vulnerable Road User Law, drivers must allow a minimum of four feet of space when passing vulnerable road users, like pedestrians or bicyclists.3
  • Using handheld devices while driving is prohibited in Massachusetts for all drivers. It’s also not allowed to pull over to the side of a highway or road to use a mobile device.3

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

AMIC-04-030427

1 Discounts not available in all states and may vary.
2 10 Quirky Facts About Massachusetts That Fake, But Are 100% True
3 Massachusetts Driver’s Manual

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