Massachusetts Car Insurance Calculators provide an easy way to estimate your car insurance rate based on different factors like where you live and the coverage required. They’ll ask questions about your driving history, vehicle type and more before showing rates from different carriers to find you the policy that meets all your needs.
Many factors impact the cost of car insurance in Massachusetts, with the average annual premium being $1,553 for full coverage policies. Drivers with clean records could save up to 25% when searching around for the lowest prices; those who have received tickets or had accidents could expect higher premiums as insurers view them as high risk drivers. It is wise for all Massachusetts drivers to compare quotes periodically in order to find their optimal policy rate and reduce costs as much as possible.
State no-fault insurance systems provide drivers with no-fault medical expenses and other costs following an accident, regardless of who was at fault for it. Drivers also can get reimbursed for lost wages if they miss work due to an accident. It’s important to keep in mind, though, that minimum liability coverage doesn’t provide adequate financial protection; drivers should consider purchasing additional personal injury protection (PIP) or uninsured motorist coverage as additional forms of financial security.
Massachusetts drivers must carry at least $20,000 of bodily injury liability coverage per person and up to $40,000 total per accident in bodily injury liability insurance and $5,000 property damage liability coverage. In addition, Massachusetts requires at least $20,000 of personal injury protection (PIP) coverage after an accident for injuries suffered by yourself and passengers as well as at least $50,000 uninsured motorist coverage; due to these higher limits it’s essential that residents shop around for affordable rates.
Your age and driving history will play an integral role in how much car insurance costs in Massachusetts. Younger drivers typically pay higher premiums because they’re more likely to experience accidents or file claims; as they gain experience behind the wheel, however, rates should decrease with experience until most have paid less by mid-20s. Although older adults typically pay lower rates than young drivers, both groups should regularly shop around and compare quotes before making their decision.
Location can have an immense effect on how much car insurance costs. Urban areas with higher crime rates will likely see more expensive rates while suburban ones with low crime will typically offer cheaper policies. NeighborhoodScout reports that Brockton in Massachusetts has the highest average car insurance premium with annual premiums reaching $2,811.