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Massachusetts Car Insurance

Massachusetts, otherwise known as the “Bay State,” is the most populated state in New England as well as the home of the city of Boston.  Massachusetts is a state with a lot of history.  It was the state where the American Revolution began and the birthplace of John F. Kennedy, Benjamin Franklin, Dr. Seuss, and other great men.  Nowadays, Massachusetts is a highly populated area filled with tech-companies and institutes of higher education.  Continue reading below to learn more about the great state of Massachusetts and the auto insurance you need to buy if you plan on driving in this state.

picture of massachusetts

Learn more about car insurance in Massachusetts by reading our article below.

About Massachusetts

To call the history of Massachusetts “extensive” might be an understatement.  The pilgrims founded Massachusetts almost 400 years ago.  Plymouth was the site of their colony that they set up in 1620.  Harvard University, the oldest university in the US, was founded shortly after in 1636.  In the 1700s and early 1800s, Massachusetts was played an important role in the struggle for American independence from England.  In recent times, Massachusetts is still acting as a “trend setter.”  It recently became the first state in the country to allow same sex marriages.

Massachusetts, although one of the smallest states in the country, also happens to be one of the most populated.  It is ranked 44th in the United States in area, yet 14th in the United States in population.  This makes Massachusetts quite a crowded place to live.

Because of this, traffic in the state, especially the Boston area, can be downright insane at times.  To combat this, the state of Massachusetts has a great public transportation system administered by the MBTA.  The city of Boston is serviced by one of the oldest-running subway systems in the world.  The bus system, commuter rail, and other public transportation methods are also quite advanced and extensive.

Massachusetts has some of the oldest road infrastructure in the country.  In the east of the state, route 95, route 93, and route 128 serve as popular methods to “get around.”  When you travel west in the state, you probably will use the “Mass Pike.”  These roads are usually small, crowded and very old (meaning, filled with potholes and very narrow).  To drive without insurance on these frightening streets and roads would be quite the risk.  Continue reading below to learn more about the auto insurance situation in the state of Massachusetts and also how you, as a consumer, can get the cheapest rates possible in the state.

Massachusetts Car Insurance Requirements

The state of Massachusetts, like every other state in the union, has their own car insurance requirements.  You do need car insurance to drive a vehicle in the state of Massachusetts, but just how much do you need?  Take a look at the minimum levels set forth by the RMV below:

Bodily Injury Liability Coverage – $20,000 per person and $40,000 per accident

Property Damage Liability Coverage – $5,000 per accident

Personal Injury Protection Coverage – $8,000

Uninsured/Underinsured Motorist Coverage – $20,000 per person and $40,000 per accident

Additional coverage types of collision and comprehensive are optional in the state of Ma.  Although these are the minimum numbers required, forautoinsurancequotes.com does not recommend that you equip yourself with only the minimums.  It’s always smart to make sure that you will be financially OK in case the unthinkable happens.

Massachusetts Car Insurance Rates

Like other states with high population density, Massachusetts has some pretty high car insurance rates.  Blame it on the potholes that litter the old streets and roadways, the high crime rates, the high accident rates, or even the high taxes in the state, but the sad truth is that Massachusetts residents pay some of the highest rates in the country for auto insurance.

In 2008, the average rate for auto insurance in the United States of America was just over $1600 per year.  Compare this to the state of Massachusetts where people in Boston pay $1,950 annually, people in Worcester pay $1,845, and people in Springfield pay $1,794.

There are many things you can do to keep your auto insurance rates in check, such as:

Although these methods may work to drop your rates a little bit, if you live in Massachusetts, you will most likely have to pay through your teeth.  Continue reading below to learn of another way you can get cheap car insurance rates if you live in the Bay State.

Getting Cheap Auto Insurance In Ma.

To find cheap auto insurance rates in Massachusetts, you need to know where to look.  forautoinsurancequotes.com helps its customers compare auto insurance rates by giving them quotes from the top insurance providers in the United States.  Whether you live in Springfield, Fall River, or any other place in Massachusetts, feel free to give our quote comparison tool a shot.

To begin, enter your Massachusetts zip code in the box above (i.e. 02452).  You will then be brought to a form where you will be asked some basic information about yourself and your vehicle.  After filling out these brief two pages, you will be given rates for custom-tailored car insurance plans.

Additional Resources

Massachusetts Consumer Bill of Rights For Automobile Insurance

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