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Massachusetts Car Insurance

Massachusetts is home to some of the greatest places in the world such as Boston, Martha’s Vineyard and Cape Cod along with many of the world’s most prestigious schools including Harvard University however when it comes to car insurance Massachusetts has a lower number of licensed car insurance companies than almost every other state.

How many car insurance companies are licensed in Massachusetts? Only around 25!

Most States have over 100 licensed car insurance companies with some even closing in on 200 so why only 25 licensed car insurance companies in Massachusetts?

A combination of low profits, over regulation and no-fault car insurance laws have simply limited the number of auto insurers in Massachusetts today. Drivers have to remember that car insurance companies are not obligated to serve any particular market so when car insurance laws put too much liability on an auto insurer making their business plan not profitable why do they want to enter the market. Thankfully Massachusetts lawmakers realize how little choices MA consumers have for car insurance and started introducing some changes to car insurance laws in 2008 however the market is still nowhere near a competitive marketplace as almost every other state.

Massachusetts Car Insurance Companies

Massachusetts has an estimated 25 car insurance companies licensed to sell auto insurance coverage and although this level of competition is much smaller than all other state the irony is Massachusetts scores extremely well on a national scale averaging 25% lower average car insurance premiums than the national average of $1,430.00 (MA drivers average $1,044). In fact only 6 states have lower average premiums than Massachusetts. Some of the car insurance companies in Massachusetts include:

Massachusetts No Fault Car Insurance Laws

Drivers in Massachusetts may lack a highly competitive car insurance market but they still benefit from no-fault car insurance laws  so drivers have much less exposure to litigation from car accidents and much faster claim handling since no one is legally at-fault. Massachusetts does require all registered vehicles to have both PIP and liability insurance with the following minimum levels of coverage:

  • $20,000 injury liability per person per accident
  • $40,000 injury liability per accident (all persons)
  • $5,000 property damage liability insurance
  • (PIP) Personal Injury Protection
  • Uninsured/Underinsured Motorist Coverage

How to Compare Massachusetts Car Insurance Quotes

Even with a small list of car insurance companies odds are you can’t list every one and car insurance comparison is more important than ever when your choices are limited. Try to learn about the types of car insurance, how policy deductibles work, what levels of coverage are really sufficient and read car insurance company reviews before comparing car insurance quotes.

Finding the best car insurance policy for your profile will mean comparing policies equally (same types of coverage, same limits of coverage etc…) so the road to the best car insurance coverage will start with education. Once you have enough knowledge and some good recommendations then leverage the power of the internet to start a Massachusetts car insurance comparison search online.

Ready to Compare – Find Massachusetts Car Insurance Rates Today!

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