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Best Auto Insurance In Ma

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Massachusetts Car Insurance Discounts

Best Car Insurance in Massachusetts

Its possible to get quality coverage at a lower rate than you might think. When you get a quote for Massachusetts auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

  • Multiple policy / bundling discount
  • Electronic stability control

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

Car Insurance Discounts In Massachusetts

Wondering how to lower your car insurance? Car insurance in Massachusetts is, on average, less expensive than it is in the nation as a whole, but most companies offer discounts that can help you save even more. Some of the best car insurance discounts include:

  • Young driver discounts: If you insure a teen driver on your policy, you might be able to save money with a good student discount, distant student discount or driving training discount.
  • Safe driver discounts: If you only drive your vehicle a few times a week, drive only a few miles a day or rely heavily on public transportation, you may be able to save money on your car insurance. You might also save if you have been accident-free for a certain number of years or participate in a telematics program to demonstrate safe driving habits.
  • Other discounts: If you purchase two policies with the same insurer, you may qualify for bundling discounts or multi-car discounts. You might also save if you can afford to pay your policy in full or if you opt for automatic withdrawals from your bank account.

Discounts vary between companies, so talking to a representative might help you identify savings opportunities that apply to you.

How We Chose The Cheapest Companies In Massachusetts

NerdWallets editorial team analyzed car insurance rates from 13 auto insurers in Massachusetts and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Massachusetts. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

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What Is The Best Car Insurance In Massachusetts

NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.3 Thats because we understand that everyone has individual needs when it comes to their Massachusetts auto insurance. Some might want the cheapest Massachusetts car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Massachusetts car insurance, so you only pay for what you need.

Proof Of Insurance In Massachusetts

Top Car Insurance in Massachusetts

To register a car in Massachusetts, drivers must first insure it. From that point forward, they do not need to carry an insurance card their insurance information will be on their registration, which should be kept inside the vehicle. Drivers need to show their registration when a police officer asks to see it, when they register their vehicle and after a car accident.

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Compare The Best Home Insurance Companies In Massachusetts

AVERAGE ANNUAL PREMIUM* AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the providers ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.

Information accurate as of July 2021

*Data provided by Bankrate.com

**J.D. Power 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

Massachusetts Is A No

In the Bay State, you are required to seek medical compensation under your own coverage no matter who caused an accident. Personal injury protection and medical payments are the two types of coverage that compensate you in this situation. A no-fault injury claim is also called a first-party claim, and it only allows you to seek compensation for bodily injury expenses, not pain and suffering.

With Massachusetts auto insurance, you can file a personal injury claim against the at-fault driver if you have more than $2,000 in medical bills or have suffered permanent disfigurement or serious injury. This is called a third-party claim, and the other drivers bodily injury coverage would compensate you if you won the claim. If you file a third-party injury claim, you can seek compensation for pain and suffering as well.

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How Can I Lower My Car Insurance In Massachusetts

One of the easiest ways to lower your car insurance premiums in Massachusetts is to look for discounts. You can ask your insurance agent about discounts you might qualify for. Of course, you should also always get quotes from multiple providers and compare them. That way you can see who really offers the best rates to begin with.

What If You Drive Without Insurance In Massachusetts

Best Car Insurance Carriers in Massachusetts – Based on Price

Motorists caught driving without insurance in Massachusetts could face serious penalties, such as:

  • Fines between $500 and $5,000
  • Up to 1 year in jail
  • Suspension of drivers license, registration, and plates for up to 60 days

Once drivers have proof of insurance, they must pay a reinstatement fee and file the proper paperwork to have their driving privileges reinstated.

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Cheapest Massachusetts Car Insurance For 18

For 18-year-old drivers in Massachusetts, Geico tends to offer the lowest rates at an estimated $6,007 per year, or $501 per month. The average rate for 18-year-old Massachusetts drivers is $7,858 per year, or $655 per month. This is 197% more expensive than the average estimate for the state.

Cheapest Car Insurance in MassachusettsEstimated Monthly Cost
$7,732

Is Car Insurance Worth It

Car insurance is mandatory in all states with the exception of Virginia and New Hampshire, so most auto owners dont have much of a choice in whether to insure their vehicle.

Since it’s mandatory, driving while uninsured is considered a misdemeanor and will result in a fine of anything between $50 to $1,500 depending on the state. It can also result in jail time of up to five years in some states. Given that the average car insurance premium is $1,190, its easy to see how its definitely worth it.

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Do I Need More Than The Minimum Required State Coverage In Massachusetts

At the absolute least, you must purchase the state’s minimum auto insurance requirements. On the other hand, state minimums are severely inadequate and will not cover your own car’s repair costs. You’ll need to acquire more than the minimum requirements if you want better coverage. There are various types of coverage to choose from. You can put up a solid policy that matches your individual insurance needs if you have a basic understanding of the various forms of car insurance.

See what you could save on auto insurance

Guide To Massachusetts Car Insurance

Best Massachusetts car insurance companies

Car owners looking for the best auto insurance in Massachusetts who practice safe driving habits may see more competitive rates, on average. And while most drivers in this state are responsible, with 93% of them being insured uninsured drivers are one of the many reasons insurance may be a wise consideration, in addition to being required by the state. Massachusetts ranked within the best ten states for drivers in the United States and it has the fewest fatalities per 100 million vehicle miles driven. The Commonwealth of Massachusetts created a comprehensive list of driving resources to support older adults, people with disabilities and low-income commuters. To learn more about safe driving, pedestrian and bicycling safety, you can check their page on transportation safety and injury prevention. The variety of greater or lesser risks is ultimately what determines the cost of car insurance in Massachusetts, and which company will be the best fit.

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Best Car Insurance In Massachusetts For Those With New Cars

MoneyGeeks scores show that Allstate is the best option for new car replacement coverage in Massachusetts, with a score of 4.3 out of 5.

MoneyGeek analyzed and scored the top car insurance companies in Massachusetts that offer new car replacement coverage. With this coverage, policyholders can get reimbursement for the same make and model if their car is totaled in an accident.

If the insurer offers better car replacement coverage, the company pays for a more recent model of the totaled car. New car replacement coverage is an add-on option and not automatically included in an auto policy.

Cheapest Auto Insurance In Massachusetts For 50

For drivers living in Massachusetts with a recent accident, here are the insurers with the lowest average full coverage rates:

  • N& D Group: $1,094 per year, or about $91 per month.

  • Plymouth Rock: $1,318 per year, or about $110 per month.

  • Geico: $1,466 per year, or about $122 per month.

  • Main Street America: $1,524 per year, or about $127 per month.

  • Safety Insurance: $1,776 per year, or about $148 per month.

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    Massachusetts Car Insurance State Minimums

    Coverage type

    Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.

    $20,000 limit per person/$40,000 limit per accident

    Helps cover expenses related to the damage of another person’s property like vehicles, homes, buildings and other structures when an accident is your fault.

    $5,000 limit

    Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance.

    $20,000 limit per person/$40,000 limit per accident

    Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance.

    Not required

    If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.

    $8,000 limit per person, per accident

    Helps cover expenses to repair or replace your vehicle that’s been damaged in an accident.

    Not required¹

    Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism.

    Not required¹

    All coverages are subject to the coverage limits stated in your policy.

    ¹Although Massachusetts law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

    Best For Military Families: Usaa

    Cheap Car Insurance in Massachusetts
    • Purchasing Options: Online, phone, agent
    • Available Discounts: 12

    United States Automobile Association offers car insurance coverage for military members and their qualifying family members. Eligible policyholders can take advantage of a dozen special discounts.

    • Wide array of financial services

    • Must be a member to get insurance coverage

    United States Automobile Association is an established insurer founded in 1922, and its our top pick for military members. Its car insurance policies are available in all 50 states. Unlike the others on our list, USAA is a car insurance company that only services members of the armed forces and their families. To join USAA and get coverage, you must either be an active or retired member of the military or a qualifying family member.

    USAA offers these types of coverage:

    • Comprehensive
    • Rental reimbursement
    • Rideshare insurance

    Gap coverage is another form of coverage that is available on an optional basis. If you are leasing a vehicle, gap coverage can cover the balance between what you owe and the total value of the car.

    USAA offers convenient online quotes, and you also have the option to call or contact an agent for help getting a policy. Online tools are also excellent with available online chat, claims processing, and payment processing.

    • Purchasing Options: Online, phone, local agent
    • Available Discounts: 14
    • Roadside assistance costs extra

    • Collision
    • Mexico car insurance
    • Gap insurance

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    Top Reasons Why Car Insurance In Massachusetts Is Expensive

    • In Massachusetts, people are driving more – As a result, the number of accidents, claims, and settlements are rising.
    • The cost of auto repairs in Massachusetts is increasing – Another factor for the rising cost of Massachusetts car insurance is that cars are becoming more expensive to fix. Due to all of the technology and amenities in today’s cars, they are more expensive to fix.
    • Uninsured motorists are common in Massachusetts – More drivers are taking the risk of driving without car insurance as auto insurance costs continue to grow. Uninsured drivers’ costs are passed on to consumers through increased rates.
    • The cost of healthcare in Massachusetts is increasing – When it comes to paying out claims involving medical expenditures, car insurance companies are struck the hardest, and it’s not getting any cheaper. Every year, healthcare spending in Massachusetts rises by 5.7 percent on average.
    • The weather in Massachusetts is becoming harsher – Severe weather events such as winter storms, severe storms, and flooding are becoming more common in Massachusetts. Insurers pay out a higher number of claims due to these weather occurrences, which are more expensive and unpredictable. As a result, they must boost interest rates to stay up.

    Factors That Affect Massachusetts Car Insurance Quotes

    The cost of your car insurance premium in Massachusetts depends on a number of factors, including:

    • Information about the insured vehicle
    • Number of miles you drive annually
    • Your driving record
    • Personal factors such as your age, gender, and marital status
    • How long youve been driving
    • Your exact location

    Massachusetts is one of three states, along with Hawaii and Michigan, that prohibits insurance companies from using credit scores when determining insurance rates. Additionally, this law also applies to home insurance rates.

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    Cheapest Massachusetts Car Insurance For 16

    Geico typically offers the cheapest car insurance in Massachusetts for 16-year-old drivers at an estimated average rate of $6,634 per year, or $553 per month. For 16-year-old Massachusetts drivers, the average estimate for coverage is $9,994 per year, or $833 per month. This is 278% more expensive than the state average.

    Cheapest Car Insurance in MassachusettsEstimated Monthly Cost
    $9,912

    Massachusetts Car Insurance Rates By Credit Tier

    Best Car Insurance in Massachusetts

    Unfortunately, if your financial history shows bad credit, car insurance companies see you as more expensive. However, Massachusetts is one of eight states that bans insurers from using your credit score, as well as gender and education level, to determine your car insurance rates. This makes it easier and more equitable for Massachusetts residents to get a cheaper policy.

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    Cheapest For Young Drivers

    Teens and young drivers pay much more than their older counterparts. An 18-year-old with a clean driving record pays about $4,716 on average for Massachusetts auto insurance. Plymouth Rock Assurance once again came out as the cheapest, offering these drivers an average premium of $1,262 per year.

    The following companies also offer affordable car insurance in Massachusetts for teen drivers:

    • Geico, where a typical 18-year-old pays about $1,709 per year on average
    • Travelers, which charges teens about $3,351 per year on average

    Latest News In Car Insurance

    While you cant change some of the factors that influence your auto insurance rates, such as your age and gender, other factors are within your control. Read our guide on ways to lower your car insurance premiums and find out how making the right choices can help you save.

    In some car and home insurance related news for residents of Washington state, a new law will ban the use of credit scores to set car and home insurance rates. Similar laws exist in Hawaii, California, Michigan, Massachusetts and Maryland. Insurance companies argue that this will lead to higher premiums for drivers.

    According to recent data, 82% of new car buyers in January paid more than sticker price due to vehicle shortages and increased consumer demand. This trend will likely continue, as a massive chip shortage may run into 2023 and the war in Ukraine has resulted in disruptions of the global supply of neon gas.

    However, if youre still looking to buy a new car this year, Moneys guide on how to buy a car in 2022 has the best strategies to help you get the best price.

    Lastly, experts say the recent increase in road fatalities on U.S. roads will mean higher car insurance rates for drivers in 2022.

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    Best Car Insurance In Massachusetts For Drivers On A Budget

    For drivers in Massachusetts looking to spend less on car insurance, Allstate is the best provider of cheap coverage.offers the best car insurance in Massachusetts

    The top insurance companies in Massachusetts for drivers on a budget are:

    • Allstate: 4.3 out of 5
    • GEICO: 4.3 out of 5

    People looking for a cheap car insurance policy in Massachusetts that only includes the states minimum coverage can find the best providers using MoneyGeeks scores. Scores were generated based on affordability and customer service.

    Switch Today And Save Big

    Everything YOU Need To Know: Massachusetts Auto Insurance

    Massachusetts drivers can save money by taking advantage of auto insurance discounts from Plymouth Rock Assurance. Along with our competitive rates, Plymouth Rock can help tailor your policy to your unique needs so you see big savings.

    With discounts for bundling auto insurance and home insurance policies together, paying your policy premium up front, insuring multiple vehicles, and more, Plymouth Rock will help find all the discounts that apply to you, whether you live in the coastal areas of Cape Cod, the bustling city of Boston, or anywhere else in Massachusetts.

    Massachusetts drivers can have peace of mind knowing that Plymouth Rock is committed to saving them money on auto insurance while still providing the right coverages to keep them protected. In fact, drivers could save over $645* by switching to Plymouth Rock.

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