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Car Insurance Massachusetts (MA)

Premier Shield Insurance Agents in Massachusetts ARE EXPERTS!

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

Why is car insurance in Massachusetts so expensive?

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.

The claims and total losses insurance companies are taking on young and newly licensed drivers in Massachusetts are very high. This is why new prices are higher.

“Insurance is something you want to have a lot of and never use

Brian Plain

Connecticut State Minimum Insurance Requirements

  • $25,000 bodily injury per person per accident.
  • $50,000 bodily injury for all persons per accident.
  • $25,000 property damage liability.
  • $20,000/$40,000 uninsured/underinsured motorist coverage.

Maine State Minimum Insurance Requirements

  • $50,000 bodily injury per person per accident.
  • $100,000 bodily injury for all persons per accident.
  • $25,000 property damage liability.
  • $2,000 medical payment coverage per person.
  • $50,000/$100,000uninsured/underinsured motorist coverage.

 

New Hampshire State Minimum Insurance Requirements

 

  • $25,000 bodily injury per person per accident.
  • $50,000 bodily injury for all persons per accident.
  • $25,000 property damage liability.
  • $25,000/$50,000 uninsured/underinsured motorist coverage
  • $1,000 medical payments coverage per accident

 

Rhode Island State Minimum Insurance Requirements

 

  • $25,000 bodily injury per person per accident.
  • $50,000 bodily injury for all persons per accident.
  • $25,000 property damage liability.
  • $25,000/$50,000 uninsured/underinsured motorist coverage.

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.

  • $20,000 bodily injury per person per accident.
  • $40,000 bodily injury for all persons per accident.
  • $10,000 property damage liability.
  • $20,000/$40,000 uninsured/underinsured motorist coverage.

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?

It means we are all paying more for insurance. Populations growth leads to roads become more congested and higher frequency of accidents and property damage totals buy generic viagra nz.

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

  1. 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.
  2. 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
  3. Middlesex County 6.36% Population Density Growth Since 2010 – Currently the largest county in Massachusetts by population, 23.37% of Massachusetts residents live in Middlesex County. The population is 1,602,947 Density is 1,960.02 per sq km making it the second most dense county in Massachusetts.
    Cities: Lowell, Cambridge, Newton, Somerville, Framingham, Waltham, Malden, Medford, Arlington, Everett, Billerica, Marlborough, Melrose and Woburn
  4. Essex County 5.34% Population Density Growth Since 2010 – Currently 11.45% of Massachusetts residents live in
    Essex County. The population is 785,205 Density is 1,594.2 per sq km making it the forth most dense Massachusetts county. Cities: Lynn, Lawrence, Haverhill, Peabody, Methuen, Salem, Beverly, Andover, Gloucester, North Andover, Newburyport, Saugus, AND Danvers
  5. 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.
  6. Norfolk County 4.06% Population Density Growth Since 2010 – Currently 10.21%
    of Massachusetts residents live in Norfolk County. The population is 700,322 Density is 1,767.99 per sq km making it the third most dense Massachusetts county.
    Cities: Braintree, Brookline, Franklin, Quincy, Randolph, AND Weymouth
  7. 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.
  8. Worcester County 3.23% Population Density Growth Since 2010 – Currently 12.04% of Massachusetts residents live in Worcester. The population is 826.116 Density is 546.84 per sq km making it an attractable county for insurance companies to provide lower insurance prices. If you live in the city of Worcester Density is 1,918.93 per sq km so expect higher car insurance prices. Cities: Worcester, Leominster, Fitchburg, Shrewsbury, Milford, Gardner, Westborough, Grafton, Holden, Southbridge, Webster, Auburn, Northbridge, Northborough, Oxford, Clinton, Millbury

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.

When I was 21 with a new car I was paying around $300 month for car insurance but I was living in Shrewsbury, not Worcester.

How young drivers can manage to afford a $500 a month car payment and $500 a month car insurance payment is hard for me to understand.

The reason is simple. Massachusetts is one of the most expensive states for car insurance.

We founded our agency back in 2016 by helping newly-licensed drivers and millennials combat the huge premiums being charged by the big insurance companies like GEICO, Liberty Mutual, and MAPFRE.

We partnered with companies like Concord Group, Progressive, and Plymouth Rock and were able to help find young driver better prices for car insurance.

We try to help you understand what you need to do to lower your rates as much as possible.

If you really want the cheapest auto insurance rates you need to listen to what we tell you.

Stay out of accidents, don’t get tickets, don’t file glass claims, live in a low-risk area not in a city.

Many times young drivers in Boston don’t get their driver’s license till they are over 21 years old. This means you are losing out on 5 years of driving experience.

In the state of Massachusetts insurance companies rate VERY strongly on your Date First Licensed (DFL).

 

Auto Insurance Quotes by Vehicle Type

 

Premier Shield Insurance helps provide car/truck/SUV insurance coverage for the following Massachusetts personal automobiles.

 

Best Car Insurance Quotes Massachusetts

 

At Premier Shield Insurance we consumers need better insurance solutions in Connecticut, Massachusetts, Maine, New Hampshire, Rhode Island.

Stop being charged thousands in huge premiums by large insurance companies that aren’t giving you the customer service you’d like. Let our local agents find you a better price for car insurance.

One of our trusted, expert insurance agents will advise you on how to find the lowest price for auto insurance in Massachusetts.

By speaking with one of our licensed insurance agents at 1-774-847-7746 today you will be doing yourself a huge favor.

 

Car Insurance MA Resources

 

 

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