Massachusetts Car Insurance
The state of Massachusetts is the home of for American presidents and is also home to the first subway station in the United States. Even so, cars are still the most popular form of transportation in the state, getting many residents and visitors from one place to the next. To drive legally in Massachusetts, however, drivers must have automobile insurance to protect themselves and others financially if a car crash occurs.
Massachusetts car insurance laws state that minimum amounts of car insurance coverage, also called minimum limits, be carried by all automobile drivers with registered vehicles in the state.
Auto Insurance Requirements In Massachusetts
The minimum requirements for auto insurance coverage in the state include a few different types of coverages. These are put in place to make operating vehicles a safer experience for everyone and to make sure that people are not buried in expenses and debts if a car accident occurs. People who are convicted of driving without the mandated insurance levels may end up with fines, fees, license suspension, and other expenses.
The minimum requirements for car insurance mandated by law in Massachusetts are bodily injury liability coverage in the amounts of $20,000 or more per person and $40,000 or more per accident. In addition, property damage liability coverage in the amount of $5000 or more is also required. Uninsured motorist coverage in the amounts of $20,000 per person or $40,000 per accident is also required. Also, personal injury protection insurance or PIP is required, with a minimum limit of $8,000.
Average Cost Of Coverage In Massachusetts
Massachusetts is more expensive than the national average for car insurance, and it is essential to keep in mind that some car insurance companies are cheaper on average than others. In addition, the location your car is garaged, the number of miles you drive it each year, your driving record, and other variables are utilized when determining the costs of automobile insurance coverage in the state. Another thing to keep in mind is that many states do not have personal injury protection insurance as a requirement. This insurance coverage helps protect you if a car accident occurs, regardless of whose fault the accident was.
Saving money is a high priority for many people living in Massachusetts. One of the top ways to save money on auto insurance policies is to shop around and get free insurance quotes from multiple companies. This website can help, so make sure to take advantage of the information and tools here.
Cheapest Car Insurance Companies In Massachusetts
Many auto insurance companies sell car insurance plans in the state of Massachusetts, giving people many different options. Each of these auto insurance providers weigh the variables used to determine auto insurance rates differently, leading to a wide variance for each individual when it comes to rates. This is why it is so important to compare rates from multiple companies to find the best prices for car insurance for your specific needs.
On average, some companies charge less than others, though this can be affected by the city that the driver lives in, among other things. Some of the cheapest auto insurance companies in Massachusetts include One Beacon, National Grange Mutual, Geico, and Commerce Insurance. When considering auto insurance companies, make sure to look at customer service rankings as well as financial strength, in addition to the price.
Cheapest Car Insurance In Massachusetts By City
With some cities having less expensive car insurance policies overall, it can be fantastic information to know in case you are looking to rent an apartment, rent a home, or purchase a house. The least expensive places for car insurance in Massachusetts, on average, are Somerville, Marlborough, Westville, and Franklin.
Most Expensive Car Insurance In Massachusetts By City
There are cities that cost more on average than others as well, including cities like Dorchester Center, Dorchester Mattapan, and Chelsea. Even more expensive on average than these is the city of Roxbury. Keep in mind, however, that depending on your gender, marital status, driving record, credit score, and neighborhood, your rates may be higher or lower than the average in any given city.
Laws, Rules And Penalties in Massachusetts
Driving without insurance is considered a civil motor vehicle infraction in the state of Massachusetts, and can result in hefty fines, the suspension of driving privileges, and in some cases jail time. First-time offenders generally are hit with less severe penalties than people who have had multiple offenses, and people with multiple offenses are more likely to see their driver's license suspended or face imprisonment.
How To Save Money On Car Insurance In Massachusetts
The best way to save money on car insurance plans in Massachusetts is to compare prices. By doing comparison-shopping with multiple companies, plus utilizing the free quotes available on this website, you can get the best prices for auto insurance and save.