Massachusetts Car Insurance: Everything You Need to Know

Minimum Liability Coverage and Personal Injury Protection

Massachusetts requires drivers to carry a minimum amount of liability insurance, including bodily injury and property damage coverage. Personal Injury Protection (PIP) is also mandatory and provides coverage for medical expenses and lost wages in the event of an accident, regardless of fault.

Top Car Insurance Companies in Massachusetts

When comparing car insurance companies in Massachusetts, consider their financial strength, discounts, and complaint data. According to industry ratings, some of the most reputable insurers include:

• Liberty Mutual
• Geico
• USAA
• Progressive
• Amica

Liberty Mutual: Customized Coverage Options

Liberty Mutual offers Massachusetts auto insurance policies with both minimum and optional coverages. Their policies are tailored to individual needs and include discounts for safe driving, loyalty, and bundling with other types of insurance.

Average Cost of Car Insurance

The average cost of a full coverage auto insurance policy in Massachusetts is $1,553 per year. However, the actual amount you pay will vary depending on factors such as your driving history, age, location, and the type of car you drive.

Legal Requirements, Coverages, and Appeals

Massachusetts has specific legal requirements for auto insurance, including coverage limits and exclusions. It's important to understand the different types of coverages available, including:

• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Uninsured/Underinsured Motorist Coverage

If you have a dispute with your insurance company, you may be able to appeal the decision through the Massachusetts Division of Insurance.