Massachusetts Auto Insurance Quotes

At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Massachusetts does not have to be a chore. Fill out one form and our licensed agents will match you with the Massachusetts auto insurance provider that offers the best rate for your vehicle and your drivers.

The average Massachusetts car insurance rate in 2008 was $903.00. It appears that rates have increased over the past 3 years, so make sure you shop your Massachusetts auto insurance policy today.

Since rates have increased in recent months, it’s important to continue to save money and find great coverage on Massachusetts auto insurance. Be sure to ask your Massachusetts car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.

Massachusetts Auto Insurance Coverage Requirements

Bodily Injury: Massachusetts drivers are required by law to carry a minimum of $20,000 of bodily injury coverage with a maximum of $40,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.

Property Damage: Drivers in Massachusetts must carry a minimum of $5,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.

Massachusetts Recommended Coverages

• Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
• Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters

Another way to save money on Massachusetts car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Massachusetts Home-Auto Discount.

Auto Insurance Tools and Tips:

• Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
• Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
• Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.

Massachusetts Most Stolen Vehicles

Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Massachusetts:

The Top 10 Most Stolen Vehicles in Massachusetts

Rank	Year	Vehicle
1	2000	Honda Civic
2	1994	Honda Accord
3	1991	Toyota Camry
4	1995	Acura Integra
5	1999	Jeep Cherokee/Grand Cherokee
6	2006	Toyota Corolla
7	1997	Ford Taurus
8	2000	Dodge Caravan
9	1997	Ford Explorer
10	1993	Oldsmobile Cutlass

Source: © 2007 National Insurance Crime Bureau.

Massachusetts Driver Licensing Rules/Regulations:

Laws about licensing new drivers vary per state and are unique in Massachusetts. Drivers shopping for Massachusetts teen auto insurance should review the laws regarding young drivers in their state. A summary of Massachusetts young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):

To earn a Massachusetts learners permit you must be of this minimum age:	16
Before getting a Massachusetts drivers license you must have a learners permit for:	6 months
Also, you must have this minimum amount of supervised driving time:	40 hours
To earn a Massachusetts driver's license you must be of the minimum age:	16, 6 months
During your restricted license stage, you are not allowed to drive between:	12:30 am-5 am (between 12:30 am-1 am and 4 am-5 am the night driving and passenger restrictions are secondarily enforced; enforcement is primary at all other times)
Also, you are required to comply with the following passenger restrictions:	first 6 months—no passengers younger than 18 (between 12:30 am–1 am and 4 am–5 am the night driving and passenger restrictions are secondarily enforced; enforcement is primary at all other times)
The minimum age at which your restricted nighttime hours may be lifted in Massachusetts is:	18
The minimum age at which your passenger restrictions may be lifted in Massachusetts is:	17

Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Massachusetts.

Search for auto insurance in your Massachusetts county:

For additional information about specific auto insurance laws in Massachusetts, visit the Massachusetts Division of Insurance website.