Massachusetts Car Insurance

Car Insurance Coverage in Massachusetts

Are you new to the Commonwealth or just looking for cheap auto insurance without sacrificing quality? GEICO offers a lot of Massachusetts auto insurance coverage options and car insurance discounts that may apply.

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.

Learn More About Required Auto Insurance Coverage in Massachusetts

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

  • $20,000 / $40,000 bodily injury liability coverage
  • $5,000 property damage coverage
  • $20,000 / $40,000 uninsured motorist bodily injury coverage
  • $8,000 personal injury protection

There are two types of personal injury protection in Massachusetts.

  • Policyholder only: This option covers only the people named as policyholders (for example, yourself and your co-insured spouse)
  • Household: This option covers you and any additional household members

Additional Massachusetts Car Insurance Coverage Options

If you need additional coverage on your vehicle in MA, your policy can include comprehensive and collision coverage. There are a few specific things about collision coverage in Massachusetts that you may need to know.

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 License Information

You must provide the Registry of Motor Vehicles with your current out-of-state photo license and proof of your current Massachusetts residency.

  • You must present the following:
    • SSN Card or valid, current, U.S. or non-U.S. Passport.
    • Out-of-state license. If your out-of-state license does not have a photo, you must present acceptable photo ID from the list of primary and secondary documents.
    • Document proving date of birth.
    • Document proving signature.
    • Document proving Massachusetts residency.
    • Note: An out-of-state license presented as one of the ID documents can be used as a primary document to confirm signature or date of birth. It cannot be used to confirm both
  • You must also clear a check through the National Driver Register and pay the required fees.
  • If you have a license from Canada, Mexico, or U.S. Territory (including Puerto Rico), you must present a driving record not more than 30 days old.

Massachusetts Teen Driver Laws

In Massachusetts, teen drivers must be at least 16 years of age to obtain a learner's permit. New drivers under the age of 18 must take a driver's training course. During the first 6 months after obtaining a learner's license, the driver must record at least 40 hours of driving time before he or she is eligible for a restricted license.

The restricted license in Massachusetts prohibits teen drivers from operating a vehicle with passengers under the age of 18 unless they are immediate family, or the teen driver is accompanied by a parent or guardian. The teen also cannot drive between the hours of 12:30 AM and 5:00 AM unless accompanied by a parent or guardian. The passenger restriction expires after 6 months, while the nighttime restriction expires only after receiving a full driver's license. At the age of 18, teen drivers who have held a junior operator license for at least 12 months are eligible for an unrestricted driver's license.

Massachusetts Registration Information

Insurance-related forms are required for registering a vehicle and making other changes to your registration, insurance, or plates. 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. Additional information about fees, forms and procedures can be found at the Massachusetts Registry of Motor Vehicles site, but below you'll find some common situations.

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 into 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 of 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 which contained incorrect information

More Information

For questions about the RMV-1 or RMV-3 forms, please call us at (800) 841-3000. For more information about your policy, please call us, use the GEICO Mobile app, create an account, or log in to your policy. For more information on registering a vehicle, fees, or frequently asked questions, visit the Massachusetts Registry of Motor Vehicles.