Resources for Auto Insurance in Massachusetts

Find Massachusetts auto insurance providers to protect your company cars or other business vehicles. Review various car insurance companies in Massachusetts to get the most appropriate automobile insurance for your business needs.
Texas Auto Insurance

Providers of auto insurance in Texas. Browse listings of Texas auto insurance companies and review providers offering Texas auto insurance quotes online. Select providers of auto i… more »

California Auto Insurance

Quickly find providers of California auto insurance coverage. Search listings for links to car insurance companies in California offering competitive California auto insurance rate… more »

European Auto Insurance

Find European auto insurance providers and European car insurance companies to protect your company cars or other business vehicles. Review various UK car insurance providers to ge… more »

Auto Insurance in Oregon

Quickly find providers of auto insurance in Oregon. Research Oregon insurance companies offering car insurance for Oregon families and individuals. Identify brokers offering Oregon… more »

Get Your Business Listed

Get your business listed on this page

Reach active buyers and immediately increase your visibility

Get Started
Automotive Accident Analysis Consultants

Accident investigation services, including reconstruction and failure analysis. more »

Auto Insurance in Massachusetts Key Terms


All drivers must purchase auto insurance in Massachusetts to avoid hefty fines. However, business owners do have a choice in the level of insurance that they purchase to cover their vehicles. They can purchase the bare minimum coverage for PIP, BIL and UM, or they can choose a higher amount of coverage. More coverage can mean higher premiums, but you'll end up paying less in the event of an accident. Take the time to make sure that you understand the popular insurance words and how they apply to auto insurance in Massachusetts.

Uninsured motorist coverage (UM)

In most cases, both parties in an accident will have car insurance, which will take care of expenses. However, Massachusetts require drivers to carry uninsured motorist coverage in the event that one party does not have insurance. This will cover expenses in hit-and-run accidents as well. Drivers should have at least 20/40 coverage.

Bodily injury liability (BIL)

Bodily injury liability, sometimes abbreviated as BIL or just BI, is insurance coverage for any harm that you cause to a person in the event of an accident. Massachusetts law requires you to have at least 20/40 coverage.

Personal injury protection (PIP)

Personal injury protection goes beyond covering medical damages to also cover things such as income loss or child care expenses. Massachusetts is one of the few states that requires PIP, at a level of up to $8,000.

Property damage liability (PDL)

Property damage liability covers the amount of damage caused to personal property during an accident. In Massachusetts, drivers should carry at least $5,000 for property damage liability.

20/40/5

A number sequence such as 20/40/5 represents a state's required level of insurance. The first number is the maximum BIL for one person in an accident. The second number is the maximum BIL for the entire accident. The third number is for property damage. Massachusetts has a 20/40/5 requirement, which means that a driver must have at least $20,000 BIL for one person, $40,000 BIL for the whole accident and $5,000 for property damage. Some calculations do not include the property damage requirement and may look like 20/40.

Massachusetts Automobile Insurance Plan (MAIP)

If a driver cannot get insurance through a typical insurance company, he or she can obtain it through the Massachusetts Automobile Insurance Plan, or MAIP. This is a reinsurance plan designed to reduce the risk for auto insurance companies that provide insurance to high-risk drivers. All companies that provide auto insurance in Massachusetts must accept MAIP.
Massachusetts Government website.