Finding cheap car insurance in Massachusetts has become more competitive since the state deregulated its auto insurance market. The Bay State previously had some of the highest rates, but increased competition has helped moderate prices. Smart comparison shopping is key to finding the best rates.
Massachusetts' unique insurance history and current market offer opportunities for savings. Understanding Massachusetts car insurance requirements helps you navigate your options.
Massachusetts Car Insurance Requirements
Massachusetts requires minimum coverage of 20/40/5 for liability—$20,000 per person, $40,000 per accident for bodily injury, and $5,000 for property damage. PIP of $8,000 and uninsured motorist coverage are also required.
The relatively low property damage limit of $5,000 is unique to Massachusetts. Many drivers opt for higher limits given the high vehicle values in the state.
What Affects Massachusetts Car Insurance Rates
Your location within Massachusetts impacts your car insurance rates. Boston and other urban areas have higher premiums due to traffic density and theft rates. Western Massachusetts and Cape Cod communities may have different rate structures.
Massachusetts prohibits using credit scores in insurance pricing, which can benefit drivers with lower credit. Your driving history is the primary factor in Massachusetts auto insurance pricing.
How to Save on Massachusetts Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Massachusetts. Since deregulation, rate competition has increased significantly.
Take advantage of Massachusetts' discount opportunities including safe driver, multi-policy, good student, and defensive driving discounts. The state's Safe Driver Insurance Plan rewards good drivers with lower rates.