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massachusetts car insurance

Like its chowder and its tea parties, car insurance in Massachusetts is unique. Which is why it helps to have an insurance company that gets all the details (for instance, did you know a vehicle's registration form can be used as proof of insurance?).

We've long been producing award-winning content to make sure Bay State drivers can rule the roads in their historic home. And our nifty online tools and affordable rates are enough to make anyone feel like royalty.

Even in one of the most crowded states for driving, Massachusetts motorists deserve some individual attention. Start a Massachusetts car insurance quote and let us show you what that means.

massachusetts car insurance discounts from esurance

Massachusetts is a state steeped in history and tradition. So it's only natural to introduce drivers in your area to our most famous pastime: saving you money.

When you start a car insurance quote in Massachusetts, you may qualify for these state-specific discounts:

  • Good Student discount
  • Mature Driver discount
  • DriveSense™ discount
  • Fast 5® discount
  • Claim-Free discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount

If you're already an Esurance policyholder and have questions about your Massachusetts discounts, give us a call at 1-800-ESURANCE (1-800-378-7262). Keep in mind that some exclusions may apply.

massachusetts auto insurance coverages

Required coverages

A Massachusetts auto policy must include liability coverage with at least the following limits:

  • $20,000 of bodily injury coverage per person
  • $40,000 of bodily injury coverage per incident
  • $5,000 of property damage coverage per incident

You'll often see these limits written as 20/40/5. This is only a base coverage requirement; you can opt for more protection when you get your free online quote.

Uninsured motorist coverage

Massachusetts also requires its drivers to carry uninsured motorist coverage (bodily injury only) with the same minimum limits as bodily injury liability (20/40). If you're in an accident with an uninsured driver, having this coverage as part of your Massachusetts auto policy helps pay medical expenses, lost wages, and injury-related fees.

Personal injury protection coverage

This is the last coverage requirement for car insurance in Massachusetts (we swear). Drivers need to carry at least $8,000 of personal injury protection (PIP), which can help pay for medical expenses if you or a passenger is injured in a car accident, regardless of fault.

Optional coverages

Esurance offers the following coverages to help you round out your Massachusetts auto policy:

  • Comprehensive coverage
  • Collision coverage
  • Limited collision coverage
  • CarMatch Rental Coverage®
  • Custom parts and equipment coverage
  • Loan/lease gap coverage
  • Optional bodily injury to others (OBI)
  • Medical payments coverage
  • Underinsured motorist bodily injury
  • Towing and labor coverage

how your massachusetts car insurance rates are set

In addition to the coverage options, limits, and deductibles you choose, these factors can impact what you pay for your policy:

  • Driving record (including past violations and accidents)
  • Years of driving experience
  • Where you live
  • Make and model of your car

Other factors affecting your Massachusetts car insurance rates vary by insurer.

Massachusetts bans certain pricing factors

Some of the factors that cannot be used to calculate your rates in Massachusetts are:

  • Credit score
  • Gender
  • Marital status
  • Race
  • Occupation
  • Homeownership

The state bans these — and other — factors to help safe drivers get the Massachusetts car insurance rates they deserve.

stats and facts for massachusetts drivers

Uninsured drivers in Massachusetts

A 2011 report from The Insurance Research Council estimated that 4 percent of Massachusetts drivers were uninsured in 2009. This was tied with Maine for the lowest percentage in the nation. On one hand, boo-ya! But on the other, 4 percent is still a lot of uninsured drivers, and uninsured motorist coverage, which is required, offers financial protection from them.

Nonresidents who may need Massachusetts car insurance

If you're a nonresident who drives in Massachusetts for 30 days or more each year (as part of your job, for example), you may need to carry a Massachusetts auto policy with minimum liability coverage limits.

Proof of Massachusetts car insurance

Unlike other states that require you to carry a separate proof of insurance card at all times, Massachusetts allows you to use your car's registration form as your proof of insurance.

Ways to save on Massachusetts auto insurance

If you're looking for more general details and savings opportunities (besides the Massachusetts car insurance discounts we provide), the Massachusetts Division of Insurance provides an informative PDF to help drivers understand their rights and options.

Other policy options for Massachusetts drivers

If you've been denied insurance by regular insurance companies, you may be eligible for the Massachusetts Auto Insurance Plan (MAIP). An insurance agent can apply on your behalf.

Car registration information for Massachusetts

New to Massachusetts? The state's Registry of Motor Vehicles site provides step-by-step guides for converting out-of-state licenses and vehicle registrations. If you've just purchased a vehicle, you can also get the lowdown on applying for a new registration. RMV-1 and RMV-3 forms are available on the registration forms page.

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