Car Insurance in Massachusetts

Driving isn't a luxury—it's a necessity. We commute to work. We shuttle kids to-and-from school, soccer practice, and piano lessons. We make a quick coffee run, drive to the grocery store, and visit the local hardware store.

Let's ensure our families—and the cars we rely on to transport them—are protected.

Start Your Car Insurance Quote -->

Why Choose Oak Grove Insurance For Your Auto Insurance Needs

Professional headshots of Zach and Moose from Oak Grove Insurance

Our Team

Our experienced insurance professionals have helped thousands of MA families with their car insurance needs.

Meet your local insurance experts ->

Zach discussing insurance options with clients at their kitchen table

Our Philosophy

We believe in a consultative, hands-on approach that delivers excellent customer service and auto insurance solutions tailored your needs.

Zach standing in a pool with a shirt and tie while typing on his laptop

Convenience

We are accessible and responsive, leveraging modern technology to meet you where you are, making it easy to manage your car insurance on your terms.

Why are car insurance rates increasing?

Drivers are experiencing higher auto insurance costs than ever before. Why are rates increasing, and what can be done to save on your car insurance bill?

Learn why car insurance costs are rising ->

Woman and man appearing stressed and reading over their insurance bill

Male teenager sitting in the drivers seat of a vehicle

Options for teen drivers

Adding a new driver to your policy can be shocking to your bank account. Fortunately, we have several strategies for helping your teen develop safe driving habits while helping to reduce the impact to your insurance bill.

Learn how a newly licensed driver impacts insurance ->

How to register your car when moving to Massachusetts

We've put together a step-by-step guide on how to transfer your car registration to MA. Our team can help you register your vehicle so you can start exploring the Bay State.

Read our guide on transferring your registration to MA ->

Required Coverages For Massachusetts Auto Insurance

All registered vehicles in Massachusetts are required to maintain an active auto insurance policy. While this requirement exists to protect drivers in the event of an accident, the minimum coverage requirements fall short of providing adequate protection to the majority of drivers. Let's do a short review the compulsory insurance coverages and the corresponding limits required by the Commonwealth:

Bodily Injury to Others provides coverage for damages to other people that are injured or killed by your auto in Massachusetts accidents. The minimum coverage limit is only $20,000 per person, $40,000 per accident.
Personal Injury Protection provides coverage for medical expenses, lost wages, and replacement services. This coverage is subject to many caveats and provides a maximum coverage payout of $8,000 per incident.
Bodily Injury Caused By An Uninsured Auto provides coverage for damages to people injured or killed in certain accidents caused by uninsured or hit-and-run autos. The minimum coverage limit is only $20,000 per person, $40,000 per accident.
Damage To Someone Else's Property provides coverage for damages to someone else whose auto or other property is damaged in an accident. The minimum coverage limit is only $5,000.

A policy with the minimum limits set by Massachusetts does not provide any physical damage coverage for your vehicle in the event of an accident, and can leave you on the hook for hundreds-of-thousands of dollars in the event a car accident. Consult with your trusted insurance agent on available limits for compulsory coverages, as well as optional coverages, to ensure proper protection.

Optional Car Insurance Coverages In Massachusetts

The Massachusetts required coverages don't provide enough protection on their own; optional car insurance coverages are available to better protect you from lawsuits, to reduce out-of-pocket expenses in the event of a claim, and provide you with peace of mind. Let's review some commonly selected optional coverages.

Collision and Comprehensive coverages provide different flavors of physical damage coverage for your vehicle. In the event of a motor vehicle accident, we look to the Collision portion of the policy for coverage. Comprehensive coverage protects against other causes of loss, such as theft, vandalism, and weather-related events. Both coverages are subject to individual deductibles and are typically required for financed and leased vehicles.
Optional Bodily Injury coverage augments the Bodily Injury to Others portion of your policy, protecting your from lawsuits and providing you with coverage outside of Massachusetts.
Bodily Injury Caused By An Uninsured and Underinsured Auto coverages help to cover your medical expenses and other damages when the driver of another vehicle is at-fault for an accident with you and is uninsured or underinsured.
Rental Reimbursement coverage can provide you with a rental vehicle to temporarily replace your insured vehicle in the event of a loss, as long as cause of loss is covered by your policy.
Roadside Assistance provides coverage for a short vehicle tow in the event of disablement. It also can provide assistance in the event of a flat tire or dead battery.
Accident Forgiveness reduces the impact that an at-fault accident has on the cost of your insurance policy.