Coverage designed with you in mind
Known for its rich history, Massachusetts is the most populous state in the New England region of the United States. Home to Boston, Worcester, Plymouth and Salem, Massachusetts is a leader in biotechnology, finance and higher education. The state has cold winters and mild summers and is home to popular sports teams in baseball, basketball, hockey and football. Tourism provides a strong economic boost with travelers visiting Cape Cod or Plymouth Rock, or walking the Freedom Trail through Boston. Interstate 91 runs north and south through the western part of the state, while Interstate 90 runs east to west out of Boston. Interstates 495, 95 and 195 can be found in the Boston area, as well.
When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. Finding the right car insurance for you means staying up to date on Massachusetts requirements. The table below lists the coverages and minimum coverage limits that are required in Massachusetts. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Massachusetts car insurance state minimums
Coverage type | State requirements |
|---|---|
Bodily injury liability | $20,000 limit per person/$40,000 limit per accident |
Property damage liability | $5,000 limit |
Uninsured motorist | $20,000 limit per person/$40,000 limit per accident |
Underinsured motorist | Not required |
Personal injury protection | $8,000 limit per person, per accident |
Collision | Not required¹ |
Comprehensive | Not required¹ |
All coverages are subject to the coverage limits stated in your policy.
¹Although Massachusetts law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Other types of car insurance coverage in Massachusetts
Allstate also offer these other types of car insurance coverage:
- Roadside coverage
- Ride For Hire®
- Rental reimbursement coverage
Learn about these and other car insurance coverage types available.
Massachusetts car insurance discounts
It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Massachusetts auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- New car discount
- Electronic stability control
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
Insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
Factors that can impact your car insurance rates in Massachusetts
In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in Massachusetts:
- The type of car you’re insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.