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Massachusetts

Auto Insurance Coverages

Whether you live in Boston, Quincy, Worcester or Gloucester, with so many companies now offering auto insurance in Massachusetts, how do you choose the car insurance coverage that's right for you?

As your auto insurance needs change, your local Allstate agent will take the time to help inform you about the choices, coverages and/or discounts that may be right for you and your situation.

And if you have a teen driver, there are many other considerations your local Allstate agent could share with you as well. (See the Graduated Driver Licensing chart below.)

For more information on this state, visit the Massachusetts State Information page.

Massachusetts Auto Insurance Coverage Scale

Massachusetts auto insurance coverage requirements can be different from other states...even the border states in the area. But the chart below provides a possible starting point for understanding the Massachusetts auto insurance state-requirements and most common insurance coverages to help make your choice easier.

Coverage
State Requirements
Most Common
20,000/40,000
100,000/300,000
5,000
50,000
20,000/40,000
100,000/300,000
8,000
8,000
Not Required
500 deductible
Not required
10,000
Not required
500 deductible

Massachusetts Graduated Driver Licensing

Similar to many states, Massachusetts has its own variation of Graduated Driver Licensing(GDL) laws. GDL laws are one of the few things that have been shown to save teen lives. Help protect your teen driver by reviewing the Massachusetts GDL laws with them in advance, and use them to form driving rules that help keep your teen driver safer on the road.

Minimum Entry Age
(Optimal: 16)
16
Extended Learner Period
(Optimal: at least 6 months)
Has optimal provision
Parent Certification
(Optimal: 30 hours minimal)
Has optimal provision
Night Restriction
(Optimal: 9 or 10 p.m.)
Has provision,
but is not optimal
Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
Has provision,
but is not optimal
Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)
18

Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Delaware, New Jersey, Pennsylvania, Virginia, West Virginia

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Massachusetts. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
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