Car Insurance Requirements In Massachusetts

The best way to ensure your car is protected in case of an accident is to get it insured. Moreover, in Massachusetts, if a person owns a car, he or she is legally required to get it insured to drive.

If you’re new to Massachusetts or buying a car for the first time, here’s a detailed guide on car insurance in Massachusetts.

Minimum Requirements for Car Insurance

Minimum requirements for car insurance in Massachusetts include set coverage, like liability insurance, uninsured motorist coverage, personal injury protection, and more.

Any policy that meets the minimum criteria for Massachusetts’ car insurance requirement must have:

  • $20,000 for injuries sustained on the body per person
  • $40,000 for injuries sustained on the body per accident
  • $5,000 for damage to any property per accident
  • $20,000 for injuries sustained on the body due to another motorist who happens to be uninsured
  • $40,000 for injuries sustained per accident due to another motorist who happens to be uninsured

What Does the Minimum Coverage Mean?

The liability limits mentioned on Massachusetts’ minimum insurance policy state 20/40/5, meaning the insurance protects you from all medical costs incurred due to an accident even if you were at fault for up to 40,000 dollars per accident, and 20,000 dollars per person.

You’re also required to have at least 8000 dollars’ worth of personal injury protection because Massachusetts is a no-fault state, meaning the insurance policy provider is liable to pay for the damages you or any other passenger in your car sustained on their body during an accident.

How Much Does Minimum Auto Insurance Cost in Massachusetts?

The cost of minimum auto insurance in Massachusetts is roughly $1,112 annually. However, several other factors come into play when you request a quote from different companies. These factors may slightly alter the costs which can go up as well as come down.

These factors include your age, past record for driving and accidents, zip code, and other personal information. However, Massachusetts doesn’t allow insurance providers to factor in a person’s credit score in their auto insurance policy considerations.

A person signing a document

If you’re in search of a reliable auto insurance provider to get auto insurance in Springfield, Massachusetts, Western Mass Auto Insurance should be your first choice.

We are a trusted insurance provider, and our auto insurance agents can help you get the best personal car insurance policies per your requirements. Moreover, we also offer home insurance, life insurance, renter’s insurance, and more.

Reach out to us today for further details.