Massachusetts Car Insurance – Auto Insurance Quotes in MA
Every driver in the state of Massachusetts is required to have auto insurance. Moreover, every driver has to maintain a policy that meets the state required minimums. Understanding what those minimums are and comprehending the state’s specialized laws can be difficult at best and downright confusing at worst.
Rather than struggle, drivers in Massachusetts can let MyCarInsuranceRates.com help them. In addition to providing information on state car insurance regulations, we help drivers find the auto insurance policy at the most affordable rates offered by the best car insurance providers.
Massachusetts Car Insurance Requirements
Massachusetts is one of the few no-fault states in the country, meaning that in the event of an accident, the auto insurance companies for the involved parties will cover the claim, no matter who caused the accident. With a no-fault state, however, the parties involved in an accident may lose some ground in terms of litigation.
It is partly for that reason that Massachusetts requires its drivers to maintain personal injury protection (PIP) in addition to liability insurance, as well as protection against other motorists who do not have adequate insurance. As a result, it is against the law for residents to drive without car insurance, and stiff penalties are enforced.
Understanding Massachusetts Car Insurance Liabilities & Coverage
As mentioned, Massachusetts requires liability insurance in the form of a 20/40/5 insurance plan. The first value refers to a minimum of $20,000 required to cover the injuries and medical expenses of an individual harmed in an accident; a minimum of $40,000 is necessary to cover bodily injuries per accident; and $5,000 is necessary to cover any private or public property damages. Massachusetts’ drivers also have to protect themselves against uninsured drivers, so $20,000 is used to take care of injured individuals while, again, at least $40,000 is needed to cover each accident. Finally, the state also mandates personal injury protection, or PIP, in the amount of $8,000.
Massachusetts Insurance Coverage
- 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 (PIP): $8,000 Limit
MyCarInsuranceRates.com is an excellent place to begin your search for the best car insurance policy, especially for those drivers who want to take advantage of the competition between top insurance companies to get lower, affordable rates.
Massachusetts Car Insurance Laws & Regulations
Driving without auto insurance is a serious crime in Massachusetts, and the penalties reflect that stance. The law states that failing to insure your vehicle can result in fines of at least $500, and they can go up to $5,000. Drivers without car insurance can also go to jail for up to one year, and may have to both pay a fine and receive a jail sentence. Additional penalties include the suspension of the driver’s license for up to 60 days, as well as the suspension of the vehicle’s registration and tags.
Average Massachusetts Car Insurance Rates
For 2010, the average monthly car insurance rate in Massachusetts was $88.53, or $1,062.36. Nationally, insured drivers paid a median monthly rate of $128.17, which came out to $1,538 per year. A lot of drivers never believe they can pay much less than their state’s average rates, but at MyCarInsuranceRates.com, we know that is simply untrue. In fact, all it takes to see how much lower your car insurance rates can be is a zip code and the answers to a few general questions.
That is all that is necessary to see a variety of car insurance quotes from different providers, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance, making it easy to comparison shop for the lowest rates and the best policy.
Massachusetts Car Insurance Quotes
Shopping for competitive rates can be tedious and time consuming job, one many people avoid in favor of picking a rate that simply looks good. They do not realize that, nationally, car insurance rates are getting cheaper; in Massachusetts, in particular, they have gone down by nearly 6 percent in the last year.
MyCarInsuranceRates.com takes all the hassle out of comparison shopping; enter your zip code to get cheap car insurance quotes online, and see which car insurance company has the best policy at the lowest rates. Start a car insurance quote now and find cheap Massachusetts car insurance.
