Auto Insurance in Massachusetts is required by the Massachusetts Department of Transportation. Coverage is mandatory and you can cancel your insurance at any time, but it must be done within thirty days of the effective date or you will receive a non-cancellable policy that is effective for three years.
If you are convicted of driving uninsured in Massachusetts, your registration will be revoked until you present proof of insurance to the Registry. You are also required to file a financial responsibility filing with the state, which requires you to place a surety bond or cash deposit in an amount set by the state.
Auto Insurance Minimums in Massachusetts
The minimum coverage amounts for auto insurance are as follows: Personal Injury Protection (PIP): $8,000 / $20,000. Bodily Injury (BI) per person: $20,000 / $40,000. Bodily Injury (BI) per accident: $40,000. Property Damage (PD): $5,000.
Car Insurance in Massachusetts is Mandatory
You are required to file an SR-22, along with your proof of insurance, when you are convicted of any of the following crimes: DUI or OUI. Operating to Endanger. Leaving the Scene of an Accident. Failing to Stop for Police. Criminal Negligence Resulting in Death.
Drivers License Suspension Requirements in Massachusetts
If you are convicted of operating unlicensed or uninsured, the Registry of Motor Vehicles will suspend your license. The first one-year suspension can be waived if you present proof of insurance to the RMV before your one-year revocation period is complete.
Driving With a Suspended License in Massachusetts
Driving with a suspended license can lead to fines ranging from $500 – $1,000 and imprisonment for up to two years.
Penalties for Driving Without Insurance in Massachusetts
Drivers convicted of driving without insurance will receive a minimum fine of $500, with a maximum of $5,000. Your vehicle may be impounded, and you must file proof of financial responsibility (SR-22) with the Registry before your license is restored.
Cheapest Car Insurance in Massachusetts
The Cheapest Car Insurance in Massachusetts is a good way to shop for the best rates on auto insurance.
Best Car Insurance Companies
Best Car Insurance Companies change frequently, but some of the most popular are Progressive, Esurance, The General and Nationwide.
Compare Massachusetts Quotes Online
You can compare Massachusetts auto insurance quotes online or by phone. Many companies offer cheap auto insurance rates in Massachusetts, but you should also shop around for companies with good customer service and fair claims handling.
Average Cost of Car Insurance
The average cost of auto insurance in Massachusetts is $847 a year, but rates vary greatly depending on many factors such as age and gender where you live (urban vs. rural). Driving history. Credit score. Claims history. Type of car or truck you drive (sports car vs. family vehicle).
Drivers With a DUI in Massachusetts
Drivers with DUIs are considered high-risk drivers and can expect to pay more for insurance coverage. Your rates may increase by hundreds of dollars the first year you are insured with an SR-22 if your license is suspended for 90 days or less. your rates may increase by thousands of dollars.
Drivers With Tickets in Massachusetts
Drivers with a history of traffic violations and accidents can expect to pay more for insurance coverage. Accidents will also affect car insurance costs because the average driver pays $870 per year, according to the III’s 2013 study “The Impact of Driving Records on the Cost of Auto Insurance.”
Drivers With Bad Credit in Massachusetts
You can still get approved for auto insurance even if you have a poor credit score. Insurance companies use many factors to determine your risk, and a low FICO score is just one factor they consider when determining your rates.
Seniors in Massachusetts
Massachusetts Seniors can get more discounts on their auto insurance. Like with any vehicle, seniors can save up to 40% or more by comparing quotes from multiple providers.
Drivers in the Other States
Drivers with cars registered in other states will pay higher rates than Massachusetts drivers because non-residents are typically charged higher premiums due to the fact that they do not pay taxes to support Massachusetts roads.
Car Insurance in Massachusetts
Driving without auto insurance is illegal and drivers risk fines of $500 – $5,000 as well as jail time for such an offense. It is important to note that some companies will charge more for a driver without homeowner’s or renter’s insurance.
Drivers With No Credit in Massachusetts
Drivers with no credit can still get auto insurance but may pay higher rates than drivers with good or excellent credit. If you want to keep your premiums low, shop around and compare the rates of multiple providers.
Best Insurance Companies for Young Drivers in Massachusetts
Drivers in Massachusetts can get a discount if their car is equipped with airbags, anti-lock brakes and an alarm system. If you are looking for the cheapest insurance quotes possible in Massachusetts, make sure to shop around and speak to a licensed agent from at least three major insurance providers before making your decision.
Student Drivers in Massachusetts
If you are a student attending a university or college, you have probably been forced to look for your own health insurance. Chances are high that if your parents have insurance through their work, they will be added as an “additional insured” under the policy.
Military Drivers in Massachusetts
Military drivers usually get a discount of up to 25%, depending on the insurance provider. This discount is offered to active, reserve and retired military members.
Car Insurance in Massachusetts
Driving without auto insurance is illegal and drivers risk fines of $500 – $5,000 as well as jail time for such an offense. It is important to note that some companies will charge more for a driver without homeowner’s or renter’s insurance.
Conclusion
Driving without auto insurance is illegal and drivers risk fines of $500 – $5,000 as well as jail time for such an offense. It is important to note that some companies will charge more for a driver without homeowner’s or renter’s insurance. We hope this guide has helped you! Good luck with your future endeavors in the world of auto insurance.
