Massachusetts Car Insurance

Car Insurance Coverage in Massachusetts

Are you new to the Commonwealth or just looking for affordable auto insurance in Massachusetts without sacrificing quality? GEICO offers a variety of auto insurance options for Massachusetts residents who want to save money without compromising coverage.

Keep these facts in mind as you get a car insurance quote with GEICO:

1. According to the Massachusetts Department of Transportation (Mass DOT), it is illegal to drive a car in Massachusetts without at least the minimum amount of liability coverage.
2. You should keep your MA proof of insurance card in your car at all times—you may need it if you're stopped by a police officer.
3. If you have just moved to Massachusetts, it's important to contact us so we can ensure that you have enough coverage. You should also register your car in Massachusetts as soon as possible.

Massachusetts Car Insurance Requirements

The Commonwealth of Massachusetts requires the following minimum car insurance coverage for the operation of a motor vehicle:

What does car insurance cover in Massachusetts?

• Bodily Injury Liability: This coverage helps pay for injuries you cause to someone else in an accident. It may also cover legal fees if you’re sued as a result of the accident.
• Property Damage Liability: If you’re at fault in an accident and damage someone else’s property—like their vehicle or a fence—this coverage can help pay for repairs or replacement costs.
• Uninsured Motorist Coverage: If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage can help pay for medical bills and other expenses for you and your passengers.
• Personal Injury Protection (PIP): Also known as “no-fault” coverage, PIP can help cover medical expenses, lost wages, and other costs for you and your passengers—no matter who caused the accident.

Learn more about: Massachusetts auto insurance requirements

Additional Massachusetts Car Insurance Coverage Options

While not required, if you need additional coverage on your vehicle in MA, your policy can include options like comprehensive, collision, and underinsured motorist coverage. There are a few specific things about collision coverage in Massachusetts that you may need to know.

• Comprehensive Coverage: This protects your car from non-collision incidents like theft, vandalism, falling objects, fire, or natural disasters.
• Collision Coverage: Collision coverage helps pay to repair or replace your car if it's damaged in a covered accident with another vehicle or object, regardless of who’s at fault.
• Underinsured Motorist Coverage: This coverage helps when the at-fault driver has insurance, but their limits aren’t high enough to cover all your expenses from the accident.

What is the difference between standard collision and limited collision?

In the event of a collision in which your vehicle is damaged, standard collision can be used to repair your vehicle regardless of who is at fault. Limited collision differs in that it can only be used if you are found to be less than 50% at fault in an accident. If you are considering limited collision, you should discuss the coverage with a licensed GEICO agent to ensure that limited collision coverage is right for you.

What is a collision deductible waiver?

Massachusetts residents who carry collision also have the option to carry the collision deductible waiver. With this, you will not need to pay your collision deductible under certain circumstances when you are less than 50% at fault in a collision.

Massachusetts Car Insurance Discounts

For Massachusetts drivers, one of the most effective ways to reduce auto insurance costs without sacrificing coverage is by taking advantage of available discounts. GEICO offers a wide range of savings opportunities tailored to different needs, making it easier for nearly every policyholder to qualify for meaningful reductions in their premium.

From safe driving programs to bundling and vehicle safety features, here are some of the key discounts Massachusetts drivers may be eligible for:

• Multi-Policy Discount: Bundle your auto policy with other types of policies, like homeowners, renter’s, condo or mobile home for added savings.
• *DriveEasy: Enroll in our telematics program to potentially lower your premium based on real-time safe driving behavior.
• Multi-Vehicle Discount: Insure more than one personal vehicle through GEICO to unlock additional savings.
• Good Student Discount: Full-time students who maintain strong academic performance may be eligible for lower premiums.
• Paid-in-Full Discount: Pay your policy in full instead of monthly installments to take advantage of this one-time discount.
• Military Association: Active duty, retired military personnel, and members of the National Guard or Reserves may be eligible for discounts as a thank you for their service.

Factors That Can Impact Your Car Insurance Rates in Massachusetts

There are a variety of factors that can influence how much you pay for car insurance in Massachusetts. While you can’t control all of them, understanding what goes into your rate can help you make informed decisions about your coverage.

• Driving Record: Accidents, speeding tickets, and other violations may increase your premium. Safe driving can help keep rates lower.
• Vehicle Type: Cars with higher safety ratings or lower repair costs may be less expensive to insure.
• Location: Where you live in Massachusetts can impact your rate due to factors like population density, traffic patterns, and claim frequency.
• Coverage & Deductibles: Choosing higher coverage limits or lower deductibles generally increases your premium, while higher deductibles may lower it.
• Annual Mileage: The more you drive, the higher your potential risk, which can influence your rate.
• Discounts: Qualifying for safe driver, multi-policy, or good student discounts can help lower your premium in Massachusetts.

Massachusetts Registration Information

Insurance-related forms are required for registering a vehicle and making other changes to your registration, insurance, or plates in Massachusetts. Don't worry; we can help you understand the paperwork.

Registration fees vary by plate type. A title fee and the applicable sales tax will also be collected. To learn more about license and insurance requirements including teen licensing requirements consult your closest Massachusetts Registry of Motor Vehicles (RMV).

I've just purchased a car from a dealer.

In order to register your vehicle, the Registry of Motor Vehicles requires you to provide them with a completed Application for Registration and Title (RMV-1) form. How we process your RMV-1 form depends on the type of purchase you've made.

My dealer offers electronic vehicle registration.

Once your vehicle is added to your policy, please have your dealer complete and sign the form, and fax it to GEICO, Attn: your policy number, at (866) 955-3146. Once we receive a completed and signed copy of the form from your dealer, we will complete the insurance portions and fax the form back to the number provided.

My dealer does not offer electronic vehicle registration.

Once your vehicle is added to your policy, you may request your RMV form for your vehicle. From your mobile device, you can request the form when you log in to your policy through the GEICO Mobile app. You can also call us at (800) 841-3000.

I've just purchased a car from an individual.

To add your vehicle, you can log in to your policy and create your RMV-1 form with ease. Once created, you will be able to print and complete the form in order to take it to the Registry. If you have any questions, please call us at (800) 841-3000.

I've just moved to Massachusetts.

You will need to log in to your policy and select the "Change Address" link to update your address. Once your address has been updated, look for the "MA Vehicle Registration" link located under the "What's Next?" section to create your RMV form.

When moving into Massachusetts with a leased vehicle, you will need to obtain the title for your vehicle in order to register in Massachusetts. From your mobile device, you can request your title when you log in to your policy through the GEICO Mobile app. You can also call us at (800) 841-3000. We will gladly request the title for you from your leasing company. You will receive your title in approximately 4–6 weeks, along with your RMV-1 form to register your vehicle.

Note: If you are moving from New York to Massachusetts, please call us at (800) 841-3000.

Changes to Registration, Plates or Insurance

There are other common situations requiring RMV forms, which are outlined below. If any of the following conditions apply to you, please contact us, and we will gladly send you the RMV-3 form with the insurance portions of the form completed for you. From your mobile device, you can request the form when you log in to your policy through the GEICO Mobile app. You can also call us at (800) 841-3000.

Insurance Changes

I'm changing insurance companies.

Although not required, you may request an updated registration showing GEICO as your insurance company. Note: The RMV may charge a fee for this update to your registration.

I'm reinstating my lapsed insurance policy.

You have had a lapse of insurance coverage of over 30 days prior to purchasing your new GEICO policy.

Changes to Registration or Plates

• I'm changing to a different plate number or plate type
• I need to change the information shown on my current registration
• I'm renewing my current registration (same name/same vehicle) and
• I did not receive a printed renewal by mail or
• I received a renewal form that contained incorrect information