Finding car insurance companies in Massachusetts can be easy but finding the right auto insurance policy warrants spending time understanding how to do a car insurance comparison search.
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Massachusetts Car Insurance Companies
The Massachusetts Division of Insurance regulates car insurance laws in the State of Massachusetts and currently has licensed around 25 companies to write private passenger auto insurance policies in the State. Some of the popular brand names are:
- Allstate
- Amica Mutual
- Encompass
- GEICO
- Liberty Mutual
- Praetorian Insurance
- Progressive
- State Farm
- USAA
A full list of Massachusetts Car Insurance Companies can be found here or visiting the State Department website at mass.gov
Massachusetts is a No Fault Car Insurance State
Massachusetts is one of the dozen or so states which operate under no-fault car insurance laws. This means drivers have few rights to sue for minor damage and each parties respective auto insurance company will pay for expenses relating to their own injuries and/or damage (up to policy limits and coverage). All drivers are required to have both liability insurance coverage and PIP (personal injury protection) with minimum amounts of coverage as follows:
- $20,000 liability for injuries per person per accident
- $40,000 liability for injuries for all persons per accident
- $5,000 liability for property damage per accident
- Personal Injury Protection (PIP)
- Uninsured Motorists Coverage
What if I am denied coverage?
Massachusetts has a State funded program called the Massachusetts Automobile Insurance Plan (MAIP) which helps drivers who can not obtain auto insurance in the voluntary market. Should you be unable to find a car insurance company to write coverage for you the State will automatically assign a car insurance company to you through the MAIP program. High risk drivers are often denied coverage and Massachusetts is one of the few states which has introduced a program to assist high risk drivers obtain car insurance coverage.
There are a lot of eligibility requirements but most all drivers who are continually denied coverage through traditional methods should end up qualifying for the MAIP. Car insurance companies can not deny your application once the State approves your eligibility and assigns your case plus they must also charge competitive rates however an assigned car insurance company can refuse to provide coverage if you do not have a valid drivers license or it has been suspended or revoked.
Massachusetts Car Insurance Rates
In terms of national averages Massachusetts drivers experience some of the lowest car insurance premiums nationwide. According to Insure.com, the national average car insurance premium is $1,429.26 while drivers in Massachusetts average $1,043.80. (Only six states have lower average car insurance rates – Iowa, New Hampshire, Wisconsin, Ohio, Vermont and Maine)
Massachusetts Car Insurance Quotes
Even with only around 25 car insurance companies Massachusetts drivers can still benefit from a healthy auto insurance market however car insurance comparison will be critical to finding the best rates.
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