Massachusetts has specific car insurance requirements to ensure state residents have adequate coverage in the case of an accident or other vehicle-related incident.
These insurance mandates protect you, but they can also quickly increase the cost of your policy's rates, depending on the coverage limits you choose. If you're a safe driver, however, you may be eligible for a discount on your insurance premium.
Learn more about Massachusetts auto insurance requirements, rates, options and programs below.
The right amount of coverage is essential. Machado Insurance offers a variety of coverage options to protect you and your passengers, your vehicle and the other drivers you encounter on the road. Our most common policy coverage includes:
• Bodily Injury to Others:
$20,000 per person.
• Personal Injury Protection (PIP):
$8,000 per person in an accident.
• Bodily Injury Caused by an Uninsured Auto:
$20,000 per person.
$40,000 per accident.
• Damage to Someone Else's Property:
$5,000 per accident.
PIP coverage will cover you or your passengers' injuries from a car accident, regardless of who was at fault. However, you still can be considered at fault for car accidents in MA.
Most Massachusetts auto insurance companies allow drivers to purchase higher limits on the required coverage types and/or purchase additional insurance coverage. When getting a quote on car insurance ask about the following types of optional coverage:
• Collision – This covers damages to your car caused by a traffic collision.
• Comprehensive – This covers non-collision-related incidents, such as damages to your vehicle caused by severe weather.
• Towing and labor.
NOTE: MA auto insurance laws do not require you to purchase collision and comprehensive coverage; however, if you have a car loan or are leasing your car, your finance company will require you to have both collision and comprehensive car insurance.
In Massachusetts, you do not need to show your insurance card as proof of insurance. Instead, your car registration will have your car insurance information on it and will act as your proof of insurance.
Because your car registration is also your proof of insurance, Massachusetts takes steps to involve your car insurance carrier in the vehicle registration process.
If you are registering your car for the first time in Massachusetts, you will need to have your MA car insurance agent complete, stamp, and sign the Insurance Certification section of an Application for Registration and Title (RMV-1) before turning it into the Massachusetts Registry of Motor Vehicles (RMV).