Massachusetts Auto Insurance Quotes and Trends
You've come to CarInsurance.com for your auto insurance needs -- a wise choice for all Massachusetts residents hoping to get prime coverage at an affordable price.
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Visit the CarInsurance.com's Average Premium Trend Tool to learn more about car insurance trends and average car insurance premiums throughout the United States. Get a quote by entering your ZIP code and comparing rates in Massachusetts.
What CarInsurance.com offers: To start, we have more than a dozen of the most reliable insurance carriers available to tailor a policy just for Massachusetts drivers. The site also has tools that can help you make the most appropriate decisions for your individual situation. You can also learn the minimum a policy must include for driving legally in the state and the amounts other Massachusetts residents pay for coverage.
Massachusetts state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 20/40/5 coverage with 20/40 UM limits.
Minimum Required Insurance Coverage in Massachusetts
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured Motorist Bodily Injury: $20,000/$40,000 Limit
Personal Injury Protection: $8,000 Limit
The state of Massachusetts follows a No-Fault system, meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Massachusetts state law requires a minimum Personal Injury Protection coverage of $8,000.
To help protect against damages caused to you and your passengers by an uninsured driver, Massachusetts state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
When you get a quote at CarInsurance.com, our coverage process will give you the option of choosing the Minimum State Required package or broader, more individual policies. If you wish, you can customize every limit and deductible to fit your needs. Rather talk to someone? CarInsurance.com's insurance agents are licensed in Massachusetts and available to guide you all the way through the quote and purchase process.
Sure, it may seem confusing at times. But start simply, by exploring what the various insurance companies are offering and at what price. Being right with you, all the way - that's what CarInsurance.com is all about.
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