Auto Insurance in Massachusetts (MA)

Factors Affecting Auto Insurance Rates in MA

Massachusetts has one of the highest accident rates in the country: 6.9 accidents for every 100 insured vehicles in 2005, compared to a national average of 3.7 accidents per 100 insured vehicles. Auto insurance rates are set by state regulators, and consequently drivers in Massachusetts have limited choices when it comes to insuring their vehicles. Insurance fraud is also believed to be a factor helping to make rates for car insurance among the highest in the country. However, the state has one of the lowest rates of uninsured drivers—just 6 percent. How much you end up paying for car insurance in Massachusetts depends on these factors, and other personal factors, such as your marital status and driving record.

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Auto Insurance Requirements in Massachusettes (MA)

Massachusetts law requires vehicle owners to carry the following amounts of insurance:

• $20,000 per person of bodily injury liability coverage
• $40,000 per accident of bodily injury liability coverage
• $5,000 in property damage liability coverage
• $8,000 of personal injury protection coverage

Keep in mind that these requirements are minimums. To make sure that your family’s financial well-being is safe, you will probably want to carry higher levels of coverage and possibly other types of car insurance coverage as well.

Auto Insurance Discounts in Massachusetts (MA)

Car insurance companies in Massachusetts are required to offer discounts on certain types of coverage if cars are equipped with antitheft devices. Discounts may also be available to drivers with no at-fault accidents or moving violations for five years. As each company provides different discounts, check with your insurance agent to find out the discounts that apply to you.

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Auto Insurance Providers in Massachusetts (MA)

With strong regulations in Massachussetts, only a few auto insurance companies are allowed to offer auto insurance there. Some insurance companies that currently offer car insurance in Massachusetts are:

• AAA
• Aflac
• Amica
• Electric Insurance Company
• GMAC Insurance Online (National General)
• Horace Mann
• Prudential
• Safeco
• Travelers Insurance

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Get More Information on Auto Insurance in Massachusetts (MA)

For more information regarding MA auto insurance facts, visit the state’s department of motor vehicles at:

Massachusetts Registry of Motor Vehicles
Attn: Court Records
PO Box 199150
Boston MA 02119-9150
www.mass.gov/rmv

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.