Massachusetts Car Insurance

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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 and Homeowners 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 for Massachusetts drivers include:
  • 12-month Rate Protection
  • Lifetime Renewability
  • 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 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.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
Additional disclosures below.
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 Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten 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. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, 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. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern 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 Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.