Massachusetts Car Insurance

Car Insurance Massachusetts
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
 
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Save with the AARP Auto & Home Insurance Program from The Hartford.
 
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
 

Car Insurance for Massachusetts Drivers

Welcome Massachusetts drivers! If you’re looking to get a car insurance quote, or just need information about buying car insurance in the Commonwealth of Massachusetts, you’ve come to the right place!

Whether you live in downtown Boston or enjoy hiking in the Berkshires, The Hartford knows it’s important for experienced drivers like you to feel protected as you travel along Massachusetts roadways. With a reputation for integrity, trust and high customer ratings for our claims services, you can count on car insurance from The Hartford to be there when you need it.
 

Car Insurance Benefits Offered to Massachusetts Drivers

Massachusetts drivers could receive valuable benefits starting with a car insurance quote from the AARP® Auto Insurance Program from The Hartford.1 Our car insurance benefits and discounts for Massachusetts drivers include:
 
  • 12-month Rate Protection
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Massachusetts

Massachusetts law requires liability car insurance at the following minimum limits:2
 
  • $20,000 for bodily injury, per person per accident
  • $40,000 for bodily injury, total per accident
  • $5,000 for property damage, total per accident

Massachusetts Uninsured Driver Facts

According to a 2012 Insurance Research Council Report, 6.2% of drivers in Massachusetts do not have car insurance. Massachusetts is below the national average of 12.6%.3
 
The Commonwealth of Massachusetts requires drivers to have uninsured motorist bodily injury (UMBI) coverage, and The Hartford offers this coverage that will protect you from financial loss if you are involved in an accident with an uninsured motorist.
 

Staying Safe on Massachusetts Roads

As you travel through Massachusetts, there are a number of safe driving laws meant to protect you on Massachusetts’s highways and byways. Here are just a few:4
 

Massachusetts Seat Belt Laws

Even though Massachusetts doesn’t have mandatory seat belt laws, law enforcement can ticket you for not wearing your seat belt if you are pulled over for another traffic violation.
 

Massachusetts Distracted Driving Laws

Massachusetts has a number of laws in place to discourage distracted driving:
 
  • Hand-held cell phones are banned for all drivers in the State of Massachusetts.
  • Massachusetts new drivers are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the Commonwealth of Massachusetts

Massachusetts Teen Driver Laws

Getting a driver’s license is a rite of passage for all teenagers, and Massachusetts wants to be sure that they stay safe in the process! Massachusetts has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict the number of teen passengers and ensure an adequate amount of supervised driving practice.
 
 
 
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.