Auto Insurance in Massachusetts

Auto insurance in Massachusetts can be made more affordable by directly comparing quotes before actually committing to a policy purchase. In recent times, this has become more convenient through the use of price comparison websites. These excellent resources see rival insurance companies competing for business under the umbrella of a website where consumers can compare coverage levels and price on a genuine like-for-like basis.

However, the cost of auto insurance in Massachusetts will still be dictated by the minimum levels of cover that need to be purchased. The Bay State currently operates under the ‘no fault’ system where those involved in a road traffic accident will receive payments from their own insurers instead of the insurance company of an ‘at fault’ driver.

The minimum level of auto insurance cover in Massachusetts is laid out as follows and uses a 20/40/5 system with 20/40 UM coverage:

  • $20,000 worth of bodily injury liability per person
  • $40,000 worth of bodily injury liability per accident
  • $5,000 of property damage insurance
  • $20,000 worth of protection against uninsured or underinsured motorists per person
  • $40,000 worth of protection against uninsured or underinsured motorists per accident
  • $8,000 of personal injury protection

These extensive levels of coverage can make the cost of auto insurance quite expensive and this is why the use of price comparison websites is recommended. For motorists with a poor driving record, young drivers and those with DUI convictions, there are a number of specialist insurance companies that excel in dealing with typically high risk groups. Although premiums with these companies may be slightly higher, their expertise in dealing with problem groups can take much of the stress out what can be a particularly difficult policy purchase.

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