Massachusetts Car Insurance

Massachusetts Auto Insurance Quotes

From Boston to the Berkshires, The Hartford is proud to protect drivers on the roads all throughout The Bay State. Whether you’re heading to explore the Freedom Trail or going on vacation to Cape Cod, it’s important for experienced drivers like you to feel protected as you travel the roads of Massachusetts. With a reputation for integrity, trust and high customer ratings for our claims services, you can count on car insurance from The Hartford to be there when you need it.

If you’re looking to get a car insurance quote, or just need information about buying car insurance in Massachusetts, you’ve come to the right place. And with the AARP^® Auto Insurance Program from The Hartford, you’ll save just for being an AARP member.

Car Insurance Benefits Offered to Massachusetts Drivers

Massachusetts drivers could receive valuable benefits starting with a car insurance quote from the AARP^® Auto Insurance Program from The Hartford.¹ The Hartford offers car insurance benefits and discounts for Massachusetts drivers, including:

New Car Replacement^§§
Accident Forgiveness^‡
Disappearing Deductible^‡
24/7 Claim Service

What Car Insurance is Required in Massachusetts?

Every state has its own minimum coverage requirements for liability car insurance. Massachusetts car insurance requirements include liability coverage at the following minimum limits:²

Bodily injury liability: $20,000 per person, $40,000 per accident
Property damage liability: $5,000 total per accident
Personal Injury Protection (PIP): $8,000
Uninsured Motorist Bodily Injury (UMBI): $20,000 per person, $40,000 per accident

Massachusetts Uninsured Driver Facts

According to a 2021 Insurance Research Council Report, 3.5% of drivers in Massachusetts do not have car insurance. Massachusetts is below the national average of 12.6%.³

The Commonwealth of Massachusetts requires drivers to have uninsured motorist bodily injury (UMBI) coverage. The Hartford offers uninsured motorist coverage that can protect you from financial loss if you’re involved in an accident with an uninsured motorist.

How Much Is Car Insurance Monthly in MA?

The average Massachusetts driver paid about $1,167 per year for car insurance in 2018, which is about $98 a month. The average cost of Massachusetts car insurance is higher than the national average of $1,057 per year.⁴

Car insurance companies determine car insurance rates based on several factors. Drivers with a clean driving record will usually have the cheapest car insurance premiums. Your age and what kind of car you drive also make a difference.

Additional Massachusetts Car Insurance Coverages Available to Drivers

State laws require only a few types of coverages, but you will want to consider getting full coverage to protect yourself and your assets. The AARP Auto Insurance Program from The Hartford offers the following car insurance coverage for additional protection:

Staying Safe on Massachusetts Roads

When you’re behind the wheel, there are a number of safe driving laws meant to protect you as you travel the highways and byways in Massachusetts. Here are just a few:⁴

Massachusetts Seat Belt Laws

Even though Massachusetts doesn’t have mandatory seat belt laws, law enforcement can ticket you for not wearing your seat belt if you are pulled over for another traffic violation.

Massachusetts Distracted Driving Laws

Massachusetts has a number of laws in place to discourage distracted driving:

Hand-held cell phones are banned for all drivers in the State of Massachusetts.
Massachusetts new drivers are not allowed to use hand-held or hands-free cell phones.
Texting while driving is banned in the Commonwealth of Massachusetts

Massachusetts Teen Driver Laws

Getting a driver’s license is a rite of passage for all teenagers and Massachusetts wants to be sure that they stay safe in the process. Massachusetts has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict the number of teen passengers and ensure an adequate amount of supervised driving practice.

Get a Free Massachusetts Car Insurance Quote From The Hartford

When comparing car insurance quotes, you want to be sure you’re getting the right coverage for your needs. To find out more and get a quote, call our representatives at 888-413-8970. They can help answer any questions you have about costs and types of car insurance. You can also get a quote online.

Last Updated: October 13, 2023

² Mass.gov, “Understanding Auto Insurance”

³ Insurance Information Institute, “Facts + Statistics: Uninsured motorists”

⁴ Insurance Information Institute, “Facts + Statistics: Auto insurance”

⁵ Governors Highway Safety Association, “States”