We’ve been actively writing hundreds and thousand of Massachusetts auto policies with almost every available carrier. We’ve written for Arbella Hanover, Liberty Mutual, MAPFRE, Metlife, National General, NGM, Progressive, Plymouth Rock, Progressive, and more.
Massachusetts State Minimum Insurance Requirements
Massachusetts requires you to have an active auto insurance policy prior to registering your vehicle. The policy is a legal contract between you and the insurance company. Insurance in Massachusetts is broken down into 15 parts or sections.
Each type of insurance coverage has a limit on how much the insurance company will pay for a claim. Below is the State Minimum Insurance Requirements for Massachusetts.
$20,000 Bodily Injury Per Person per Accident.
$40,000 Bodily Injury for all Persons Per Accident.
$5,000 Property Damage Liability.
$8,000 Personal Injury Protection.
$20,000 Bodily Injury Caused by an Uninsured Auto
Find an agent with the best auto Insurance quotes for you. We loving helping people find lower rates on car insurance. It’s what we do! We have been dealing with insurance and financial services since 2000. We help preferred homeowners find lower rates as big insurance companies continue to raise annual premiums. Go here to find the best car Insurance rates for drivers under 25 in Massachusetts, Maine, New Hampshire, Rhode Island, and Connecticut
So why are so many drivers and homeowners searching for lower rates in Massachusetts? Simple, most Mass drivers either are paying high prices for insurance now, or they received their renewal notice and they’re facing higher monthly insurance bills.
We’re hearing a lot of larger companies like Liberty Mutual, GEICO and Progressive are non-renewing policies for claims totals and too many roadside assistance claims.
I know, you’re thinking “then I’m paying for nothing”. That’s not the right attitude. There is a baseline cost to insure people even if they never file a claim.
The majority of people in Massachusetts have this misconception “Isn’t that what insurance is for?” as they file their $125 claim that will cost they $1,750 over the course of 5 years.
Seriously, my advice to you…don’t file claims if you can help it. These small claims add up and even one can drive up your car insurance rates in Massachusetts!
Many insurance companies are rating against things that were never rating factors for car insurance in Massachusetts. Companies are now holding you accountable for Not-At-Fault Accidents, Glass Claims, and Hit-And-Run Claims.
What does all this mean for my car insurance premium?
Population growth rate %, population density, where you live, and when you got your license are all very important insurance rating factors in Massachusetts. There are high-risk cities in every Massachusetts county.
Massachusetts Population Density Growth % by County
Nantucket County 10.48% Population Density Growth Since 2010 – Currently .16% of Massachusetts residents live in Nantucket County. The population is 11,229 Density is 1,594.20 per sq km tied for fourth place with Essex count.
Suffolk County 10% Population Density Growth Since 2010 – Currently 11.63% of Massachusetts residents live in Suffolk County. The population is 797,939 Density is 13,697.23 per sq km far denser than any other Massachusetts county. Cities: Boston, Dorchester, Revere, Chelsea, Brighton, Winthrop
Dukes County 4.55% Population Density Growth Since 2010 – Currently .25% of Massachusetts residents live in Dukes County. The population is 17,325 Density is 167.77 per sq km making it the third least dense county in Massachusetts.
Plymouth County 3.88% Population Density Growth Since 2010 – Currently 7.51% of Massachusetts residents live in Plymouth County. The population is 515,142 Density is 781.56 per sq km making it an attractable area for insurance companies to provide lower insurance prices.
The big insurance companies aren’t going to put up with it anymore. New and young drivers in the city are facing very expensive policies (Over $5,000 a year) for full-coverage insurance in the major cities.
Why are the prices so high? Many young drivers never take driver’s ed, they almost always get into an accident or file a claim within the first 1 to 3 years. They are simply losing money on them. Not anymore, these drivers will PAY MUCH MORE FOR INSURANCE in 2019, 2020 and 2021.
If you need help with lowering your insurance payment, please call 774-847-7746. We help you find the best car insurance quotes in Massachusetts. Get an online Homeowners Insurance Quote, bundle and save when you add your auto and you can save up to 35%!
Car Insurance Quotes MA
Request a car insurance quote from Premier Shield and save more. We really enjoy going the extra mile to help our customers.
Why has Massachusetts auto insurance has become completely unaffordable for a young driver?
Drivers under 23 looking to drive a new car in the city are looking to spend over $4,000 a year for car insurance in Boston.
We’re talking rates of at least $6,000 a year for drivers between 18-21 in Boston, Dorchester, Mattapan, Hyde Park, Jamacia Plain, and Brighton.