Massachusetts Car Insurance
Drivers in Massachusetts State are required to obtain car insurance however Massachusetts laws have created the least competitive environment for auto insurance in the nation. While many other states have over 100 licensed car insurance companies only less than 40 compete in the Massachusetts auto insurance market. While your choices for auto insurance are limited however you can still find affordable auto insurance with a good car insurance comparison search.
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How much car insurance is required in Massachusetts?
Massachusetts State has minimum car insurance requirements for all drivers and, while there are a few exceptions, any driver operating a typical automobile must have auto insurance in-force with at least the minimum amount of coverage required by law. As of 2010 the minimum auto insurance requirements in Massachusetts were:
- $10,000 bodily injury liability insurance
- $20,000 of combined bodily injury liability insurance per accident
- $10,000 property damage insurance
Massachusetts drivers do benefit from no-fault car insurance laws however any damages which exceed policy limits can make the driver personally liable for. While $10,000 or $20,000 insurance will certainly cover vehicle damage in many minor accidents these limits are awfully low when you consider the potential for personal injury and vehicle damage in any type of medium or major car accident.
Most drivers in Massachusetts opt for a full coverage car insurance policy which consists of liability, collision and comprehensive coverage. Some drivers even opt for additional types of auto insurance such as uninsured /underinsured motorist coverage and GAP insurance. While complying with the state minimum levels of auto insurance will prevent you from a fine it does not protect you from all liability in a car accident. Before purchasing car insurance in Massachusetts always consider extended coverage options.
Massachusetts DUI Laws
All states take driving under the influence very serious and Massachusetts is no stranger to strict laws surrounding the use of any drug or alcohol which causes a driver to be impaired. Drivers convicted of operating a vehicle with a blood alcohol content (BAC) level higher or equal to 0.08% or higher will automatically have their license suspended for one year, assessed up to a $5,000 fine and possibly even up to 30 days jail and more. What happens if you refuse to take the breathalyzer? Learn more about Massachusetts DUI laws here.
How much does auto insurance cost in Massachusetts
The good news about obtaining auto insurance in Massachusetts is that average car insurance rates are almost 25% lower the national average with most drivers paying around $1,050 for auto insurance coverage. However depending on your profile you could possibly even pay much less.
What should I know about auto insurance in Massachusetts?
Massachusetts car insurance works much like every other state however even drivers insured for years often know very little about how car insurance works. In order to get the best car insurance rates and find the coverage most suitable for your profile you really need to understand the basics of auto insurance and your state laws. Some useful resources we have published include:
- Massachusetts Teen Driver Laws
- Massachusetts High Risk Car Insurance
- SR 22 Requirements in Massachusetts
- What car insurance companies are licensed in Massachusetts?
At the end of the day you need a company who provides sufficient coverage, affordable premiums and a good reputation for handling claims. Start car insurance comparison today in Massachusetts – enter your ZIP Code and find local auto insurance rates now!
