Massachusetts Auto Insurance

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All drivers in Massachusetts, from Boston to Beacon Hill and from Braintree to Cape Cod, must abide by the same laws and the same Massachusetts auto insurance minimums — but that doesn’t mean you have to settle for the same auto insurance prices as everyone else.

At Clovered, we partnered with some of the best auto insurance companies in Massachusetts. That allows us to run multiple auto insurance quotes in Massachusetts from multiple companies at the exact same time. That translates to major savings for you.

So whether you’re happy having the auto insurance minimums required by the state or you want to increase your coverage limits, getting a quote from Clovered for your next Massachusetts auto insurance policy is exactly what the doctor ordered — that and a lobster roll with a side of New England clam chowder.

Massachusetts Auto Insurance Minimums

Average auto insurance rates in Massachusetts are slightly above the national average, but that’s because the state’s minimum insurance requirements for a sufficient Massachusetts auto insurance policy are a bit higher than most.

  • Bodily Injury: $20,000 per person, $40,000 per accident
  • Property Damage: $5,000 per accident
  • Uninsured Motorist: $20,000 per person, $40,000 per accident
  • Personal Injury Protection: $8,000

What Does Massachusetts Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

Massachusetts Auto Insurance Laws

The only Massachusetts auto insurance laws strictly in place are the requirement of state minimums required and the fact that all drivers must maintain a minimum amount of uninsured motorist coverage and personal injury protection (PIP) that can be used whether they’re deemed to be at fault for an accident or not.

How to Get Free Auto Insurance Quotes in Massachusetts

Since Massachusetts bans auto insurance pricing factors based on gender, credit score and a number of other things, getting adequate coverage for an affordable price is easier than ever. Simply call one of our licensed agents at Clovered and we can run multiple quotes from multiple companies to get you the best coverage at the best price.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.