massachusetts car insurance
Did you know a vehicle's registration form can be used as proof of insurance in Massachusetts? That's just one reason car insurance in Massachusetts is a bit unique. Read on for a better idea of what can (and can't) affect your coverage in the Bay State.
Massachusetts car insurance requirements
Massachusetts drivers are required to have 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.
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, this coverage helps pay medical expenses, lost wages, and injury-related expenses.
Personal injury protection coverage
Massachusetts policies must also have $8,000 of personal injury protection (PIP) coverage. PIP can help pay for medical expenses if you or a passenger is injured in a car accident, regardless of fault.
Esurance in Massachusetts
Esurance is available to drivers in Massachusetts. Get your car insurance quote and learn more about the coverages and perks available to Esurance customers in Boston and the rest of the Bay State.
Esurance offers the following coverages to help you round out your policy:
- Comprehensive coverage
- Collision coverage
- Limited collision
- 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
You can also choose higher-than-required liability limits on required coverages when you customize your policy. And if you're an existing Esurance policyholder and have questions regarding your coverages, call us at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.
Esurance discounts offered in Massachusetts
- Good Student discount
- Mature Driver discount
- DriveSense™ discount
- PayPal discount
- Fast 5® discount
- Claim-Free discount
- Multi-Car discount
- Paid-in-Full discount
- Switch & Save® discount
- Emergency Road Service discount
If you're already an Esurance policyholder and have questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262). Keep in mind that some exclusions may apply.
How your car insurance premium is determined
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 at-fault accidents)
- Years of driving experience
- Where you live
- Make and model of your car
Other factors vary by insurer.
Massachusetts bans certain pricing factors
Some of the factors that cannot be used by car insurance companies to calculate your premium are:
- Credit score
- Marital status
The state bans these — and other — factors to help safe drivers get the car insurance rates they deserve.
Uninsured drivers in Massachusetts
A recent report from The Insurance Research Council estimated that 4 percent of Massachusetts drivers were uninsured. This was tied with Maine for the lowest percentage in the nation.
Uninsured motorist coverage, which is required, offers financial protection from the 4 percent.
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 policy with Massachusetts' minimum liability coverage limits.
Proof of 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.
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.
Ways to save on Massachusetts car insurance
If you're looking for more general details before getting started on your Esurance quote, 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.
Massachusetts driver information
Stats and facts about driving in Massachusetts.
Insurance terms defined
Find out what some of the commonly used car insurance jargon actually means.