Car Insurance in Massachusetts: How to Find the Policy That Fits You
You can use MoneyGeek’s analysis and solutions for all your car insurance needs in Massachusetts.
- I’m in Massachusetts and I’m looking to find either the cheapest car insurance, the best service and claims experience or a balance of quality and affordability.
- I’m looking to get a Massachusetts car insurance quote or estimate now.
- I want to learn more about how much car insurance is required in Massachusetts.
- I want to learn more about specialty insurance policies for those with low income, those who don’t own a car or those who only need car insurance temporarily.
Find the Best or Cheapest Car Insurance in Massachusetts
MoneyGeek gathered quotes to find the cheapest companies in Massachusetts. Through our unique scoring system, we found the best insurers that balance cost and affordability. If you’re looking for overall affordability, MoneyGeek broke down how much car insurance costs depending on several factors, including your driving record, age and more.
MoneyGeek’s above resources break down the best and most affordable car insurance for various driver profiles. All recommendations are for a full coverage policy unless stated otherwise.
There’s a quick summary of what you can expect to find in the table below.
- Minimum liability: State Farm
- Full coverage: Safety Group
- Drivers with a DUI: Plymouth Rock Assurance
- After an accident: Plymouth Rock Assurance
- Drivers with a ticket: GEICO
- Senior drivers: State Farm
- Student drivers: State Farm
- Overall: GEICO
- Customer Service: Allstate
- On a Budget: Allstate
- Poor Driving Record: GEICO
- Military: USAA
- Young Drivers: GEICO
- New Cars: Allstate
- Low-Mileage Drivers: Allstate
Get a Massachusetts Car Insurance Quote
For the same driver across different companies, MoneyGeek found that car insurance quotes in Massachusetts can differ by as much as $1,625 per year. As a result, you can save money by shopping around and comparing quotes. Getting an auto insurance estimate shouldn’t be a time-consuming process.
Car Insurance Laws in Massachusetts
MoneyGeek offers all the resources you need regarding Massachusetts car insurance laws and requirements. Massachusetts law mandates that your policy has the minimum coverages:
- $20,000 bodily injury liability insurance per person
- $40,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $20,000 uninsured/uninsured motorist insurance per person
- $40,000 uninsured/underinsured motorist coverage per accident
- $8,000 personal injury protection per accident
Massachusetts only mandates low liability limits, not comprehensive and collision insurance. As a result, how much auto insurance you need might be more than the state minimum requirements.
Specialty Car Insurance in Massachusetts
Traditional car insurance may not always meet your individual needs and preferences. To help you find the best alternatives, MoneyGeek explored the different options for car insurance in Massachusetts, like non-owner car insurance, temporary car insurance and low-income car insurance. Learn more about the unique types of car insurance below.
MoneyGeek Specialty Car Insurance Resources
Non-owner car insurance
Getting non-owner car insurance in Massachusetts is a good alternative if you need proof of insurance but don’t own a car.
Temporary car insurance
If you need coverage for less than six months, you can get temporary car insurance in Massachusetts by buying a policy and canceling it for the unused term. Otherwise, you can get rental car insurance.
Car insurance for low-income drivers
MoneyGeek found ways that low-income drivers in Massachusetts can save on premiums even though the state doesn’t offer financial assistance.
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