Auto Insurance Companies In Massachusetts

The Cheapest Option: Geico Insurance

If you want the most affordable car insurance in MA, Geico is the way to go. And the great news is, its customer service record is impressive to boot. Geico boasts of a four-star rating in J.D. Powers 2019 rankings in New England, and holds third place overall. Furthermore, its NIAC ratioanother indicator of the quality of customer serviceis 0.62. This confirms that Geico gets 38% fewer complaints about its auto insurance services in MA than an average company of its size.

In other departments, Geico gets admirable results too. For starters, its the second largest insurer by market share in the US, indicating strong financial stability. Its A. M. Best rating of A++, the highest possible, only confirms this narrative. Additionally, the companys website is intuitive and looks polished, while its mobile app is among the highest-rated insurance apps on the market. Its worth noting that Geico doesnt offer certain notable optional coverages, like GAP insurance. Still, if were choosing our insurer by getting car insurance quotes in MA from different companies, Geico would be near the top of our list.

Choose Geico for the lowest prices and the best financial strength ratings.

Look elsewhere if having the most reliable customer service is your cup of tea.

Bodily Injury Liability Coverage In Massachusetts

In Massachusetts, Bodily Injury to Others liability coverage is necessary to legally operate a vehicle. This coverage can help cover injuries and medical expenses for anyone the driver harms in an at-fault accident.

In Massachusetts, Bodily Injury to Others liability is locked at $20,000 per person and $40,000 per accident, but only applies to accidents that occur within Massachusetts. Since this coverage doesnât apply outside of Massachusetts and may not offer enough coverage for a serious accident, many drivers choose to increase their coverage by adding Optional Bodily Injury to Others.

Optional Bodily Injury to Others coverage is usually available from $20,000/$40,000 up to $500,000/$500,000 and can apply to accidents that occur anywhere in the U.S.

How Much Is Car Insurance In Ma

Theres no one price for car insurance in Massachusetts. We all pay different rates, based on a series of unique rating factors: the type of vehicle we choose, where we park it, how safely we drive, etc. But that doesnt mean youre powerless in seeking lower rates. Many drivers qualify for one or more car insurance discounts. Discounts vary from one carrier to the next. One company may offer 5% off, where another offers 10% for the same factor. Ask your C& S agent if you think you might qualify for any of the following and which discounts youre already getting.

• Bundling Discount
• Multi-Car Discount

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Cheap Auto Insurance Quotes In Massachusetts

Age and location play a major role in your insurance premiums, but other factors can have a significant impact as well. Insurers also use situational information such as your driving history or credit score to determine the cost of your car insurance.

Below, we compare cheap car insurance estimates for Massachusetts drivers.

What Is Auto Insurance

Car insurance provides coverage for unexpected incidents that occur while operating a motor vehicle. Accidents cause damage to vehicles, injuries to individuals involved, and other property damage. Personal auto insurance provides restitution for these damages and injuries.

Much like a home, your vehicles are valuable possessions that cost a significant amount of money, so you must take steps to protect them. To many people, a vehicle is almost like a second home as it allows them to go places and transport belongings. As such, you naturally want to keep it in the best possible condition.

If you are a new or used vehicle owner, you will be required to get a minimum amount of car insurance in Massachusetts based on the states law. While having the minimum is enough to permit you to drive, it is highly recommended to get a more comprehensive policy for added protection. Similar to other policies, you will be paying premiums based on your policys timeframe, and in return, your insurance provider will cover for costs that may arise from auto accidents or injuries.

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Factors That Can Impact Your Car Insurance Rates In Massachusetts

In addition to selecting the coverages, limits and deductibles thats right for you, these factors could also affect your car insurance rates in Massachusetts:

• The type of car youre insuring
• Your driving habits and annual mileage
• Demographic factors, like zip code
• Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

Massachusetts Auto Insurance Information

Under Massachusetts law, motorists must carry a minimum of $20,000 per person and $40,000 per accident in Bodily Injury Liability insurance, as well as at least $5,000 in Property Damage Liability coverage. BIL insurance pays for the medical and other accident-related expenses of those injured by the actions of the at-fault driver, up to the coverage limits. PDL pays for repairs to the other drivers vehicle and related property damage, up to the coverage limits. Neither BIL nor PDL pays for any accident-related expenses of the at-fault driver.

State law mandates PIP coverage, which pays the medical expenses of the driver and any passengers up to the coverage limits. The minimum amount of PIP coverage is $8,000 per person per accident.

Massachusetts also requires drivers to purchase at least $20,000 per person and $40,000 per accident in uninsured motorist coverage. This coverage does not include property damage.

Keep in mind that this is the minimum amount of auto insurance required by law, and most drivers should purchase additional insurance to protect their personal assets in case of a serious accident.

While the state does not require collision and comprehensive insurance, lenders will almost certainly mandate such coverage for leased and financed vehicles. Even if the car is owned outright, drivers should consider obtaining collision and comprehensive coverage if they cannot afford to replace the vehicle if it is totaled in an accident.

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Best Full Coverage Car Insurance Companies In Massachusetts: Overall

We identified GEICO as the best car insurance provider in Massachusetts.

The research also shows that the top car insurance companies in Massachusetts are:

• GEICO: MoneyGeek score of 90 out of 100
• Allstate: MoneyGeek score of 86 out of 100

MoneyGeek analyzed the best car insurance companies in Massachusetts by user satisfaction, average cost, stability and claims ratings. To help those looking to save money, MoneyGeek also researched the cheapest full coverage auto insurance in Massachusetts.

THE TOP CAR INSURANCE COMPANIES IN MASSACHUSETTS

Financial Stability

GEICO tied first for customer satisfaction, tied second for claims and ranked second for affordability. GEICO offers mechanical breakdown insurance.

Average Annual Cost: $800

Financial Stability

Allstate tied first for customer satisfaction and ranked first for claims, while it does not have a good affordability score. Allstate offers custom parts coverage to its customers.

Average Annual Cost: $1,103

Financial Stability

Plymouth Rock Assurance in Massachusetts offers insurance policies at an average cost of $778 per year. It is tied third for customer satisfaction and claims and has the highest affordability score. The company offers original equipment manufacturer coverage.

Financial Stability

MoneyGeek’s Massachusetts Car Insurance Resources:

• All about car insurance in Massachusetts

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I’ve Just Moved Into Massachusetts

You will need to log in to your policy and select the “Change Address” link to update your address. Once your address has been updated, look for the “MA Vehicle Registration” link located under the “What’s Next?” section to create your RMV form.

When moving into Massachusetts with a leased vehicle, you will need to obtain the title for your vehicle in order to register in Massachusetts. From your mobile device, you can request your title when you log in to your policy through the GEICO Mobile app. You can also call us at . We will gladly request the title for you from your leasing company. You will receive your title in approximately 4â6 weeks, along with your RMV-1 form to register your vehicle.

Note: If you are moving from New York to Massachusetts, please call us at .

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.coms data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only your own quotes will differ. Given this, its important to go through our insurance steps form to find how much you can save with way.com

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Annual Massachusetts Car Insurance Estimates For Bad Drivers

While gender and credit score wont affect your rates for car insurance in Massachusetts, your driving record sure will. According to our rate estimates, a speeding ticket can raise your rate by 24 percent. Similarly, an accident can raise it by 62 percent and a DUI by 81 percent.

Consider Your Individual Needs

Understanding how your insurance needs are unique for example, perhaps you need certain optional coverage types such as luxury car insurance can help you narrow down which companies to consider. You may also want to consider how your car is used. If you work for a Transportation Network Company like Uber or Lyft, you may want to review your insurance needs with your prospective car insurance company. You may need an endorsement on your policy to be properly covered as a rideshare driver. Once you figure out your needs, you can compare car insurance quotes from companies that fit your needs.

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Cheapest Auto Insurance In Massachusetts For 40

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

Compare Best Cheap Car Insurance Quotes In Massachusetts 2022

The average cost of basic liability car insurance in Massachusetts is $2,391 per year. Opting for full-coverage car insurance in Massachusetts will leave you with an average cost of $2,547 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

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Payments For Medical Services

You can add up to $100,000 in supplementary medical payments coverage to your individual or family policy. Medical payments coverage is essential since it covers co-pays and deductibles once PIP coverage has been exhausted.

Medical payments coverage can also be used to cover the cost of health insurance liens in auto accident situations, health insurance companies are entitled to be paid back. Your own company’s medical payments coverage can help preserve your settlement.

Massachusetts Car Insurance Discounts

Its possible to get quality coverage at a lower rate than you might think. When you get a quote for Massachusetts auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

• Multiple policy / bundling discount
• Electronic stability control

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

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Choosing The Right Car Insurance Company In Massachusetts

Theres no one right company for every driver, so the best company for you is the one that offers you the coverage you need at the most affordable price. And the best way to find out which company will offer you the cheapest coverage is to compare rates.

Policygenius makes it easy to see what youll pay for car insurance coverage from top companies, so you dont have to worry that youre missing out on a better deal somewhere else.

Best Car Insurance In Massachusetts For Seniors

MoneyGeek evaluated the top auto insurance providers for senior drivers in Massachusetts based on policy cost and customer service. In the state, the following companies are the highest-ranked insurers for seniors:

• State Farm: MoneyGeek score of 89 out of 100
• GEICO: MoneyGeek score of 88 out of 100

To assess company ratings for seniors, affordability and customer service were given equal weight. Other companies that provide the best and cheap car insurance for Massachusetts’ seniors were also rated in this analysis.

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How Much Insurance To Buy And What Types Of Coverage Do You Need

In order to register a car in Massachusetts, you must have automobile insurance. By law, you must purchase four coverages called Compulsory Coverages in, at least, minimum amounts required by law, and in higher amounts if you choose to do so. You may also buy a variety of Optional Coverages to suit your needs.

Compulsory Coverage

There are four insurance coverages that are compulsory in Massachusetts:

Optional Coverages:

The losses that a person injured in an automobile accident incurs and the damage to property from an accident sometimes may be much greater that the insurance provided by the mandatory coverages. For most drivers, the minimum levels of insurance will not give them enough protection and they may want to insure themselves for other types of losses that may result from automobile accidents. For those reasons, people choose to purchase higher limits of property damage and bodily injury coverage, to purchase collision and comprehensive coverage, or to purchase other types of coverage. An insurance agent or other insurance professional can help you determine what types and levels of coverage you need. Agents and companies must inform you in simple language of your coverage options when you apply for an automobile insurance policy, or if you have questions at any time.

All companies offer the following coverages that you may wish to buy:

Other Optional Coverages:

When Can Auto Insurance Be Canceled

Massachusetts law says auto an insurance policy can be canceled for these reasons:

• You didnt pay the premium premium.
• You had fraud or material misrepresentation on your insurance application or renewal.
• You or household members who drive your car have had your license revoked or suspended.
• You failed to have your vehicle inspected after the insurance company requested one after paying a collision insurance claim.
• A car insurance company can cancel you up to 90 days after the policy renewal date if 1) the insurance company is making a general reduction in policies in Massachusetts or 2) you didnt complete a renewal application at least 30 days prior to the expiration date of your previous policy.

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Consider Minimum Insurance Requirements In Massachusetts

Massachusetts minimum car insurance requirements mean that vehicle owners in this state must carry at least the states minimum coverage limits on their vehicles. Bodily injury liability is one such coverage, and in this state, drivers are required to carry at least $20,000 in bodily injury liability per person and $40,000 in bodily injury liability per accident. Drivers are also required to have a minimum amount of property damage liability, uninsured motorist bodily injury and personal injury protection . Although you do not need to memorize your states minimum limits, understanding the Massachusetts car insurance laws might help you decide if you need higher limits.

Minimum coverage policies can leave you financially vulnerable and do not cover damages to your vehicle. For that reason, most insurance experts recommend purchasing full coverage insurance to better protect your finances.

Best Cheap Car Insurance: Massachusetts

Whether youre driving into town to see the Boston Red Sox play or youre heading off to work, you want to have the best car insurance in Massachusetts. So, which is the best provider?

Weve reviewed over two dozen of the best car insurance providers in the industry and ranked them on things like customer service, price, availability, and financial strength. Geico emerged as one of our top providers overall, and its also our top recommendation for Massachusetts car insurance.

To get the best car insurance rates in Massachusetts, start by getting matched to the best value providers. Enter your zip code in the tool below to get started:

Compare auto insurance rates

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Cheapest Massachusetts Auto Insurance Coverage

The coverage level you choose can have a significant impact on your car insurance rates. Many estimates you receive from providers include minimum liability and full coverage car insurance quotes. While minimum liability fulfills the laws present in the state, its a good idea for drivers to purchase full coverage auto insurance to be protected on the road.

We explore the cheapest auto insurance options in Massachusetts for both coverage types.

Cheapest Minimum Car Insurance Massachusetts

At $36 per month or $434 per year on average, The Hanover Insurance Group provides the cheapest minimum liability insurance in Massachusetts. The Metropolitan Group, Allstate, Amica and Geico also offer affordable minimum coverage rates in the state.

In the table below, youll find estimates from the providers that offer the cheapest rates on liability coverage in Massachusetts.

*All drivers in Massachusetts are required to have minimum liability coverage, which is the cheapest car insurance coverage level.

Cheapest Full Coverage Car Insurance in Massachusetts

Progressive is the cheapest full coverage car insurance provider in Massachusetts, costing $160 per month or $1,922 per year on average. Motorists can also find affordable coverage through Metropolitan Group, The Hanover Insurance Group, Amica and Geico.

The following table shows the providers that offer the most affordable estimates on full coverage insurance in The Bay State.