Massachusetts Auto Insurance Quotes

If you've been looking for information and price quotes on Massachusetts auto insurance, you've come to the right place. Before requesting a quote on an auto insurance premium, you can get to know the requirements for auto insurance under Massachusetts law. Once you understand what coverage is required and what coverage is optional, you can get policy quotes from several insurance carriers that are authorized to offer coverage in the state of Massachusetts.

Massachusetts Liability Insurance Requirements

Massachusetts requires that all motorists maintain valid liability insurance coverage on all registered vehicles.  The state also requires personal injury protection and uninsured motorist coverage.  The minimum coverage amounts for liability insurance are $20,000 per person for injuries sustained in one accident, $40,000 for all bodily injuries sustained in one accident, and $5,000 for property damage.  The minimum coverage amount for personal injury protection is $8,000.  This coverage will cover you, passengers, pedestrians, or anyone who is allowed to drive your vehicle.  The minimum required amounts for uninsured motorist coverage are $20,000 per person and $40,000 per accident for bodily injuries.

Masachusetts Proof of Insurance

Proof of insurance must be maintained for all registered vehicles in Massachusetts.  When you apply for vehicle registration, your insurance company will provide you with an RMV-1 form.  Any proof of coverage provided by your insurance company should include your vehicle's description, vehicle identification number, limits of liability, and the effective and expiration dates of coverage.  You should keep proof of insurance in your vehicle so that you can provide it at the time of an accident or traffic stop.

Determining Financial Responsibility

Massachusetts is considered a no-fault state.  This means that your insurance company must pay your accident expenses regardless of who caused the accident.  However, there are some at-fault standards that require your insurance company to report you to the Merit Rating Board.  They include failing to signal, rear-ending another vehicle, failing to obey driving rules, and operating your vehicle in the wrong direction.

Penalties for Lack of Auto Insurance in Massachusetts

The penalties for driving without insurance in Massachusetts are severe.  If convicted, you could be sentenced to imprisonment for not more than one year or to pay a fine of not less than $500 and not more than $5,000.  You may be sentenced to both the imprisonment and the fine.  You will also have your driver's license suspended for 60 days and may also have your vehicle registration suspended.  Being convicted of this offense could cause your insurance rates to increase and it may be difficult to find affordable insurance.