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:
The Commonwealth of Massachusetts requires the following minimum car insurance coverage for the operation of a motor vehicle:
| Coverage Type | Massachusetts Minimum Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $30,000 per accident |
| Uninsured Motorist | $25,000 per person / $50,000 per accident |
| Personal Injury Protection (PIP) | $8,000 per person, per accident |
Learn more about: Massachusetts auto insurance requirements
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.
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.
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.
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:
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.
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). Additional information about fees, forms and procedures can be found at the Massachusetts Registry of Motor Vehicles (RMV) site, but below you'll find some common situations:
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.
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.
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.
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.
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.
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.
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.
You have had a lapse of insurance coverage of over 30 days prior to purchasing your new GEICO policy.