The Bay State

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Massachusetts Auto Insurance

Beautiful skies and magnificent landscapes are some of the reasons people choose to live in Massachusetts. Not to mention the approximately 1,500 miles of coastline that stretches from the New Hampshire border to the border of Rhode Island. With that many miles of road to cover, there’s plenty of opportunity for unfortunate events to happen while you’re driving. Whether you’ve just moved to Massachusetts or simply want to get a new Car Insurance quote, AIS can help ensure that you will have the coverage you need to legally drive on the road at a rate that works for you.

Required Auto Insurance in Massachusetts

The Massachusetts Department of Transportation states that driving a car in Massachusetts without the minimum required amount of Liability Insurance coverage is illegal. Liability Insurance will pay up to the limit for injuries to third parties and damages to their cars, when you are at fault in an accident.  In order to legally drive in Massachusetts, you must also have Bodily Injury and Property Damage Liability coverage, Personal Injury Protection (PIP) coverage and Uninsured Motorist coverage.

State Minimum Liability Coverage in Massachusetts

  • BI or Bodily Injury: $20,000 per person; $40,000 total per accident
  • PD or Property Damage: $5,000 per accident

State Minimum Uninsured Motorist Coverage in Massachusetts

  • Bodily Injury: caused by an Uninsured Auto: $20,000 per person; $40,000 total per accident

State Minimum Personal Injury Protection (PIP) in Massachusetts

  • Personal Injury Protection: $8,000 per person in an accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Massachusetts

The above state requirements are the minimum Auto Insurance you must maintain, but you also have the option to add on other coverages or higher limits. Most drivers will add some or all of these extra coverages because they find that the state required minimums are not enough to cover accident expenses.

The following are some of the additional coverages that you can add onto your Massachusetts Auto Insurance policy:

  • Collision Coverage*: This coverage pays for damages to your car, caused by collision with another vehicle or object.
  • Comprehensive Coverage*: This covers damage expenses to your car caused by covered losses other than collision, such as vandalism, theft, flood and fire.
  • Rental: If your car is being repaired after an accident, some or all of your car rental expenses will be covered.
  • Towing and Labor: All or part of the towing expenses incurred will be reimbursed under this coverage.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

If you have questions about how you can benefit from any of these optional coverages, a qualified AIS Insurance Specialist would be happy to answer them. Even though you don't need to buy these policies to comply with the law, many Massachusetts residents find that they are valuable in protecting their assets.

Massachusetts is a No-Fault State

Massachusetts is one of the few states that is considered a "no-fault" state. What exactly does that mean? In general terms, the intent behind a no-fault Auto Insurance policy is two-fold:

  1. To reduce claim expense by eliminating the need for litigation
  2. To expedite claim payment for medical bills and loss of wages by eliminating the need to determine fault

Feel free to contact an AIS agent to fully understand your options in a no-fault state like Massachusetts.

Most Stolen Car Models in Massachusetts

If your car is more vulnerable to theft, you may find that your Auto Insurance premiums are higher. According to, in 2017 the following list of cars were the most stolen models in Massachusetts:

  1. Honda Accord
  2. Honda Civic
  3. Toyota Camry
  4. Nissan Altima
  5. Toyota Corolla
  6. Ford Pickup (Full Size)
  7. Honda CR-V
  8. Dodge Caravan
  9. Jeep Cherokee/Grand Cherokee
  10. Toyota Rav4

Massachusetts Auto Insurance Discounts

Asking your Auto Insurance Specialist about your eligibility for certain Car Insurance discounts can help lower your rate. However, the best way to keep your rates low is to maintain a good driving record and to drive safely at all times.

Some examples of Massachusetts Auto Insurance discounts you may qualify for include:

  • Excellent Driver Discount Plus
  • Excellent Driver Discount

To learn more about specific discounts, visit our Discounts page.

Massachusetts is a great place to be because just about every town has a building or landmark that plays an important role in our country’s history. There are tons of places to explore, but all usually involve some distance of driving. Making sure that you’re protected financially and legally, with the required Auto Insurance will keep your time on the road fun. For those that don’t want to spend days looking for the best rates and coverage amongst hundreds of carriers, AIS is here to help. We do the work for you and present you with the best Auto Insurance rates and coverage from our 30+ partners. The helpful and experienced professionals at AIS can be an instrumental asset to Massachusetts drivers. For information and a free quote on a Massachusetts Auto Insurance policy, call AIS today!

Start a Massachusetts Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Massachusetts

Massachusetts first began issuing drivers licenses and registration plates in June of 1903.

The first subway system in the United States was built in Boston, Massachusetts in 1897.

There is a house in Rockport, Massachusetts built entirely of newspaper. 

Notable Massachusetts Attractions

Cape Cod

Mayflower II and Plimouth Plantation

Minute Man National Historical Park and Lexington Green

Salem's Historic Houses