Finest Low-cost Automotive Insurance in Massachusetts 2021 – Forbes Advisor – Forbes

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Find cheap auto insurance in Massachusetts

Massachusetts auto insurance regulations can be complex, especially because the state wants your auto insurance to be coordinated with your medical insurance plan for auto accident medical claims. But finding a good price shouldn't be a problem. We rated 17 auto insurance companies to find the best rates for a wide variety of drivers.

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Cheap Massachusetts auto insurance for good drivers

Even with a great record, not every company offers you great auto insurance rates. Geico car insurance might be your best choice. If you're a member of the military or a veteran, USAA offers competitive rates for those eligible for USAA auto insurance.

Cheap auto insurance in Massachusetts for drivers with a parking ticket

A lead foot in Bay State can cost you extra in terms of insurance. If you have a speeding ticket, it is worth getting quotes from insurers like Geico or Norfolk and Dedham. USAA is a good choice if you are authorized with a military connection.

Affordable auto insurance in Massachusetts for drivers who have been involved in an accident and injury

If you were culpable in a car accident that injured someone else, you can expect an insurance increase of nearly $ 1,300 per year. Shopping can be worthwhile. Get offers from Geico and Norfolk and Dedham. USAA is a great option for service members and veterans.

Cheap Massachusetts auto insurance for drivers with a DUI

A DUI conviction can cause Massachusetts auto insurance rates to rise by about $ 1,500 on average. If you have a DUI on your record, check out Geico, Progressive Car Insurance, and Plymouth Rock Assurance offerings.

Cheap Massachusetts auto insurance for drivers caught without insurance

Getting caught without insurance can be very expensive when taking out a policy. If you need to get insurance after a failure, get quotes from Geico, which had the best rates among the companies we surveyed. USAA is likely a good option for service members and veterans.

The cheapest vehicles for insurance in Massachusetts

Depending on the type of vehicle, you can save on your car insurance. The cheapest insurance vehicles in Massachusetts include the Jeep Wrangler JL Sport, Honda CR-V LX and Subaru Forester 2.5i based on average rates for 50 best-selling models of 2021. The 20 cheapest in Massachusetts are below.

The most expensive insurance cars in Massachusetts among the most popular models are the Lexus ES 300H ($ 3,110 per year) and the Tesla Model S Performance / Plaid ($ 4,381 per year).

Related: Insure the most and cheapest cars nationwide

Required personal protection in Massachusetts

Massachusetts is a flawless state for auto insurance. You will make most claims for damages through your own Personal Injury Protection (PIP) regardless of who caused the accident. Must have $ 8,000 PIP insurance.

PIP pays for:

  • Medical expenses
  • 75% of your loss of wages if you cannot work because of the accident
  • Alternative services, d. H. People you need to hire for your usual tasks such as house cleaning or childcare

If you have health insurance, PIP pays the first $ 2,000 in medical bills and the remainder of the medical bills goes to your health plan first, with PIP being the "secondary" payer for bills not covered by your health plan. PIP can cover your health insurance deductibles and co-payments to lower your costs. The rest of PIP can also cover your lost wages and compensation benefits.

You will be asked to select a deductible for the PIP insurance, i. H. the amount you pay for services before PIP starts paying. You save money by choosing a higher deductible. Deductible choices are $ 100, $ 250, $ 500, $ 1,000, $ 2,000, $ 4,000, and $ 8,000.

Required Personal Injury Insurance in Massachusetts

Massachusetts requires drivers to have personal injury liability insurance. This pays other people if you cause an accident in Massachusetts that results in injury and / or damage to others.

The minimum personal injury limits you must have are:

  • $ 20,000 for injuries per person
  • $ 40,000 for all injuries per accident

Minimum coverage required for damage to someone else's property:

  • $ 5,000 for property damage

Together these are often written as 20/40/5.

But with this liability insurance you won't get very far in a car accident. Medical bills can quickly exceed $ 20,000, and $ 5,000 in property damage likely won't even cover someone's entire corolla. To protect your assets from lawsuits, you want high liability insurance.

Required insurance coverage for uninsured drivers

Massachusetts Uninsured Motorist Insurance covers injuries sustained as a result of a driver without auto insurance. Coverage applies to you, your household members, guest drivers of your car, and passengers (unless they are covered by other Massachusetts auto insurance with similar coverage).

The minimum UM limits that you must have are:

  • $ 20,000 for injuries per person
  • $ 40,000 for all injuries per accident

What else should i have?

More liability insurance. Good car insurance gives you a high level of liability. This will protect your savings and other assets if you are sued in a car accident.

More insurance coverage for uninsured drivers. Unless you want to rely on your own health insurance for car accidents, consider getting more coverage than the minimum required. Before you decide, however, be aware that UM also covers other passengers in your car who may not have good health insurance for car accident injuries.

Health insurance coverage. If you have health insurance and you have a car accident, it pays according to your own health insurance and PIP benefits. You can get $ 5,000 in health insurance contributions. In Massachusetts, health coverage can provide:

  • Co-payments, deductibles and co-insurances from the health insurance companies
  • Health services that are not covered by your health insurance plan
  • Health services from providers that are not included in your health insurance network or that have not been pre-approved by your health insurance company if PIP does not cover them

Collision and extensive coverage. Collision and fully comprehensive insurance are valuable in a wide variety of situations: car theft and damage from hail, flooding, fire, vandalism, falling objects and collisions with other objects and animals.

Summary: Required Automobile Insurance in Massachusetts

Can I show my insurance ID from my phone?

Massachusetts does not require drivers to have proof of insurance or issue auto insurance cards. If stopped in Massachusetts, the police can electronically check your insurance through a state system.

However, if you are stopped in another state, you may be asked to provide proof of insurance. For this reason, it is advisable to keep a copy of your vehicle registration document, which your insurance company identifies. Or ask your insurance agent if they can print out a paper ID when you leave the state.

Allowable Factors in Massachusetts Automobile Insurance Rates

Auto insurance companies typically use many factors when calculating their rates. Massachusetts prohibits the use of several factors that are permitted in other states, such as credit and auto insurance scores.

How many uninsured drivers are there in Massachusetts?

According to the Insurance Research Council, about 4% of drivers in Massachusetts have no auto insurance – one of the lowest uninsured rates in the country.

Penalties for driving without auto insurance in Massachusetts

If you're caught in Massachusetts with no auto insurance, you could be fined $ 500-5,000, or up to a year in jail, or both.

When can the car insurance be canceled?

Massachusetts law states that auto insurance can be canceled for any of the following reasons:

  • You did not pay the premium.
  • You have provided fraudulent or materially false information with your insurance application or renewal.
  • You or someone in your household who drive your car have had their licenses revoked or suspended.
  • You failed to have your vehicle checked after the insurance company requested one after paying for a liability insurance claim.
  • An auto insurance company may cancel you up to 90 days after the policy renewal date if 1) the insurance company makes a general policy reduction in Massachusetts, or 2) you have not completed a renewal application at least 30 days before the expiration date of your previous policy.

Solve insurance problems

The Massachusetts Division of Insurance is responsible for helping consumers with insurance issues and questions. If you have a problem with your insurance that you couldn't resolve, the department may be able to help. See their consumer service page.

methodology

To find the cheapest auto insurance companies in Massachusetts, we used rates from Quadrant Information Services, a provider of insurance data and analysis. Rates are based on a clean record driver insuring a Toyota RAV4 with $ 100,000 personal injury liability insurance, $ 300,000 per accident, and $ 100,000 property damage insurance, uninsured motorist insurance, and any other coverage required by the state. The price also includes collision and fully comprehensive insurance with a deductible of 500 USD.

The companies rated for Massachusetts were Allstate, Amica Mutual, Arbella, Chubb, Geico, Hannover, MetLife, National Grange Mutual, Norfolk and Dedham, Plymouth Rock Assurance, Preferred Mutual, Progressive, Quincy Mutual, Safety Group, Travelers, USAA and Vermont Mutual .

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