Need auto (car) insurance in Massachusetts? Whether you live in the Berkshires or the Cape, Liberty Mutual can help protect you. From liability protection to comprehensive coverage, we customize your Massachusetts auto insurance, so you only pay for what you need.
Who has the cheapest car insurance in Massachusetts?
The big question. Keep in mind, getting the cheapest car insurance in MA may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto policy can cost less than you think1$617 lower than GEICO$659 lower than Allstate$642 lower than Nationwide
What car insurance is required in the Commonwealth of Massachusetts?
Here in the Bay State, it’s illegal to drive without insurance. This chart shows the minimum auto insurance drivers are required to have in MA5.
| Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $20,000 per person and $40,000 per accident |
| Property Damage Coverage | $5,000 per accident |
| Uninsured Motorist Bodily Injury Coverage | $20,000 per person and $40,000 per accident |
| Uninsured Motorist Property Damage Coverage | $8,000 |
Auto Insurance Massachusetts Coverages
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.$20,000 limit per person/$40,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person’s property — like vehicles, homes, buildings and other structures — when an accident is your fault.$5,000 limit
Uninsured Motorist
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance.$20,000 limit per person/$40,000 limit per accident
Underinsured Motorist
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance.Not required
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.$8,000 limit per person, per accident
Collision
Helps cover expenses to repair or replace your vehicle that’s been damaged in an accident.Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalismNot required1
