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massachusetts car insurance that’s right for you, not someone sorta like you

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 your vehicle's registration form can be used as proof of insurance?).

Even in one of the most crowded states for driving, Bay State motorists deserve some individual attention. Start a Massachusetts car insurance quote and let us show you what that means. CoverageMyWay™, only from Esurance, can help you personalize your coverage options so you get the protection that you believe is right for you.

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
  • Claim-Free discount
  • Fast 5® 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 insurance with at least the following limits:

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

Bodily injury to others coverage can help financially safeguard you if you're found at fault in an accident that results in injury to another driver — but only if the incident happens in Massachusetts. It's important to note that your passengers would be excluded from this coverage.

If you'd like monetary protection for at-fault, out-of-state incidents, optional bodily injury to others can help pay for things like legal liability, lost wages, medical bills, and more (and it also extends coverage to your passengers).

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 can help pay medical expenses, lost wages, and injury-related fees.

Personal injury protection (PIP)

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, 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 additional protections to help you round out your Massachusetts auto policy:

  • Comprehensive
  • Collision
  • Limited collision
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Optional bodily injury to others (OBI)
  • Medical payments
  • Underinsured motorist bodily injury
  • Towing and labor

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

The Insurance Research Council estimated that only 3.9 percent of Massachusetts drivers were uninsured in 2012 — well below the national average of 12.6 percent. On one hand, boo-ya! But on the other, that's 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 Automobile 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.

Related links

Boston car insurance
Learn more about auto insurance in Boston — including stats and facts about driving in your state's capital, and more.

What to do if you run into an animal
Get step-by-step guidance on handling accidents with wildlife, plus ace tips to avoid them in the first place.

Insurance terms defined
Find out what some of the commonly used car insurance jargon actually means.

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