Boston, MA Car Insurance

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$1,666

The average Boston resident's annual cost of car premium coverage

43%

Our customer's average savings after comparing insurance

724

That's equal to 724 doughnuts or $716 in savings

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Whether you live in Boston, Worcester, Springfield, Lowell, Cambridge or somewhere else in the Bay State , Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

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As a proud member of the Massachusetts community, we offer discounts to members of various college alumni groups, employers and associations across the state.

There are 76,852 miles of road you can travel on across the Bay State.
Don't let the 4.8 milion other drivers disturb that.
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Boston, Massachusetts Car Insurance Coverage Information

In Boston, Massachusetts you are legally required to have these minimum coverages:

Liability

Bodily Injury $20,000 per person
Bodily Injury $40,000 per accident
Property Damage $5,000 per accident

Personal Injury Protection

$8,000 per person

Uninsured/Underinsured Motorist

Bodily Injury $20,000 per person
Bodily Injury $40,000 per accident


Liability coverage is legally required in Massachusetts and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Massachusetts, the minimum coverage is listed as 20/40/5 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident.

In Massachusetts, the minimum PIP coverage limit is $8,000 per person.

Uninsured/Underinsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault.

The coverage limits are determined by each individual state and normally split into two categories.

In Massachusetts, the minimum is listed as 20/40 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Most people opt for higher amounts of auto insurance coverage than the Massachusetts minimum in order to protect themselves in case of an accident.

Did you know this about the Bay State?

Massachusetts is ranked #51 in the US for uninsured drivers
552 original documents from the Salem witch trials of 1692 are still stored by the Peabody Essex Museum.
You can use digital insurance cards in Massachusetts
Massachusetts holds the two largest cites in New England, Boston, the largest, and Worcester.
Licensed drivers
68%
Uninsured drivers
18%
Population
318m