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Massachusetts Auto Insurance
Massachusetts is a no fault state with regard to auto insurance, which means every driver must cover their own medical expenses with Personal Injury Protection (PIP). As a no fault state, Massachusetts requires every driver to show proof of insurance when requested by a peace officer or other officer of the state.
Massachusetts Auto Insurance Coverage
The minimum PIP coverage in Massachusetts is $8,000. In case of an accident, the $8,000 would be used to pay for hospital bills and time lost from work. A person could reduce this amount of coverage by opting for a higher deductible.
In addition to the required PIP coverage, every driver in Massachusetts must have minimum liability limits of 20/40/5. This means that every driver must carry coverage that would pay out $20,000 per person in case of an accident, $40,000 for all injured, and $5,000 for any property damage occurring from the accident.
Massachusetts also requires uninsured motorist bodily injury coverage of 20/40 or $20,000 per person and $40,000 for all.
Finally, Massachusetts car insurance providers offer collision and comprehensive coverage. This type of additional coverage is recommended for drivers who own a more expensive vehicle or for those who finance or lease their car.
Massachusetts Auto Insurance Rates
In a recent study, the average expense for auto insurance in Massachusetts was $1,051.60 per year. This ranked Massachusetts as 4th out of all the states for amount of money spent on car insurance. Massachusetts drivers spent on average $666.36 on liability coverage, $317.84 on collision coverage, and $149.92 on comprehensive coverage. Additionally, rates have been on a steady rise in recent years, increasing by nearly 30% since the year 2000.
Massachusetts auto insurance providers determine individual rates with two main variables. First, they calculate the total cost of providing coverage for the whole state, including the previous year's claims, lawsuits, etc. They then place individual drivers in certain categories by taking into account some of the following factors:
- Vehicle make and model
- Marital status
- Driving record
- Credit history
Once they have this information, they place a cost on each category type and depending on your assessment, they place a value on your premium.
Auto Insurance Companies in MA
Not all insurance companies calculate Massachusetts remiums the same way, so it is advisable to shop around.
Additional Massachusetts Information and Resources
Massachusetts Division of Insurance
One South Station, 5th Floor
Boston, MA 02110-2208
Phone: (617) 521-7794
For other Massachusetts Insurance Resources, See:
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