Massachusetts Car Insurance - Find Massachusetts Auto Insurance Quotes

Massachusetts holds enormous historical significance for its momentous contributions to the American Revolution. Its capital city, Boston, is referred to as the "Cradle of Liberty" for the key events that occurred there and eventually spawned the colonies' independence from Great Britain. Although Massachusetts is the sixth-smallest state in nation, it is the 15th most populous, with the majority of its 6.6 million people living in the Boston metropolitan area. Home to several of the country's finest universities, Massachusetts also has the third-highest GDP per capita and the sixth-highest median income. In 2009, Massachusetts was ranked as the third-healthiest state in the country as well.

All of the aforementioned characteristics make Massachusetts an interesting and unique state. Massachusetts auto insurance laws also set the state apart from the rest of the country. Drivers must carry several types of Massachusetts car insurance in order to comply with state law. You can read more about the kind of policy you need in the section below. If you are a resident and in the market for a new policy, this is the place to do your shopping. In addition to all the research available on this page, you will also find access to no-cost Massachusetts car insurance quotes from the nation's best providers. You can read up on your state's laws, research carriers in our review section, and then request quotes through a process that takes only a few minutes.

To retrieve your free Massachusetts auto insurance quotes, simply select your city or county from the dropdown menu at the bottom of this page. You will see Massachusetts car insurance premiums for the policy you need from four to five different carriers. All the information you need to compare policies and prices accurately is provided for you in a side-by-side, user-friendly format. These quotes involve no obligation; you are free to pursue the offer with the insurer or save your Massachusetts car insurance quotes for later. Get started now to see the prices and coverage our service providers can offer you. If you need assistance along the way, don't hesitate to contact us using the toll-free number above.

Massachusetts is what is known as a "no-fault" state. In other words, Massachusetts car insurance laws dictate that in the event of an accident, the driver responsible is not held liable for the pursuant medical expenses and damages of the other parties. Rather, each individual is covered by his own insurance company. No-fault Massachusetts auto insurance requirements were designed to minimize the number of accident-related lawsuits. Drivers must carry PIP, or Personal Injury Protection, coverage to assist with their medical expenses, lost wages, or funeral expenses if necessary. Drives who have a solid health insurance policy may opt to purchase only the minimum PIP protection, which is $8,000 in Massachusetts.

Of course, exceptions exist to the no-fault Massachusetts auto insurance laws. If an injury is severe enough and medical costs are considerable, the injured party may petition for the right to sue the driver responsible. For this reason, Massachusetts car insurance requirements also specify minimum liability coverage amounts. Liability pays for the medical expenses and repair costs of the other drivers if the insured party is legally responsible for the collision. The minimum level of liability in Massachusetts is $20,000 for medical expenses incurred by a single individual, $40,000 for medical expenses per accident, and $5,000 for any resulting property damage. All drivers will be held responsible for any expenses in excess of their coverage limits under Massachusetts car insurance laws. As a result, insurance brokers and agents often advise drivers to carry significantly more than the minimum coverage.

Massachusetts auto insurance laws require drivers to carry one final coverage: uninsured motorist protection. Massachusetts is one of only five no-fault states that requires uninsured/underinsured motorist coverage in addition to traditional liability and personal injury protection coverage. Uninsured/underinsured motorist coverage pays for the policyholder's and his/her passengers' medical expenses in the event of a collision with a driver who either does not have auto insurance or who carries too little coverage. This type of coverage will also pay for property damage under these circumstances as well as injuries or damages sustained in a hit-and-run accident.

You can find more information about Massachusetts car insurance requirements from the Division of Insurance, located in Boston, through their website, or by calling 617-973-8787.