Car Insurance in Massachusetts

We provide car insurance solutions to residents of Massachusetts, New Hampshire and Maine.

Car Insurance Massachusetts

What is car insurance? 

Every driver who gets behind the wheel assumes at least some risk of an accident, and damage to a vehicle can also occur when it’s parked. When something happens (and it likely will eventually), car insurance can give Massachusetts drivers valuable protection.

Car insurance generally provides financial protection if a driver is in an accident. Policies may cover other instances of damage to a vehicle, too.

Who in Massachusetts needs to have auto insurance? 

Stat law generally requires drivers on public roads in Massachusetts to carry auto insurance. Coverages in addition to the state’s requirements are broadly recommended.

The basic requirements that the state mandates are fourfold:

  • Property Damage Liability Coverage of $5,000 an accident
  • Personal Injury Protection (PIP) of $8,000 a person
  • Bodily Injury Liability Coverage of $20,000 a person and $40,000 an accident
  • Uninsured Auto Coverage of $20,000 a person and $40,000 and accident

Drivers who have an outstanding lien against their vehicle are usually also required to carry comprehensive coverage, collision coverage and gap coverage. This isn’t a state requirement, but lenders often require these coverages so that the vehicle is insured against damage.

An insurance agent who specializes in auto policies will make sure drivers get all of the coverages they’re required to, and any additional ones that they also deem worth carrying.

Get a Quote

Client Testimonials

What our loyal customers have to say…

“I’ve been using Michaud insurance agency for years and have had an amazing experience! I have used them for all different types of insurance and they always make everything so quick and easy.”

Corrine G.

“Michaud Insurance Agency is the finest insurance company my family has ever had the pleasure of dealing with. They handle all of our insurance needs for both home and auto. They are always available to help with a timely response when needed.”

Angelo M.
“Best Insurance Agency I have used! I started with a few points so I was paying a couple hundred at first for my auto insurance but in just a couple of months my monthly payment was cut in half! Great service would definitely recommend this agency to anyone looking!”
Edwin D.
Car Insurance Massachusetts
Car Insurance Massachusetts

What coverages do auto insurance policies make available to drivers? 

Auto policies contain multiple insurance coverage options, some of which are standard and others of which are optional. Important coverages to consider are:

  • Personal Injury Protection (PIP): Might apply if passengers in the insured vehicle get injured during an accident with another vehicle.
  • Medical Expense Coverage: Might apply if medical passengers’ injuries require medical care, and thus result in medical bills.
  • Bodily Injury Coverage: Might apply if individuals outside the insured vehicle, such as other drivers, passengers, or pedestrians, are injured during an accident.
  • Comprehensive Coverage: Might apply if the insured vehicle is damaged in non-collision events, such as a burglary, fire or natural disaster.
  • Collision Coverage: Might apply if the insured vehicle is damaged in an accident, which is usually defined as involving at least one other vehicle.
  • Property Damage Liability Coverage: Might apply if another person’s property or vehicle is damaged in an accident involving the insured vehicle.
  • Underinsured/Uninsured Motorist Coverage: Might apply if an accident is caused by another driver who lacks adequate auto liability coverage.
Car Insurance Massachusetts

Does auto insurance cover hitting a deer?

Hitting a deer, or any other animal, is normally treated as a non-collision event since it doesn’t involve another vehicle. Thus, it generally falls under comprehensive coverage.

If comprehensive coverage is included within an auto policy, then hitting a deer would likely be covered. The event probably wouldn’t be covered if a driver forgoes comprehensive coverage. The same is true for hitting other animals, too.

An insurance agent who specializes in auto policies can help drivers determine whether they should carry comprehensive coverage. The decision often depends upon a vehicle’s value, whether there’s a car lease or loan, the amount the vehicle is driven, and where the vehicle is usually used and stored. These are all considerations that a knowledgeable agent can walk drivers through.

Do insurance companies consider credit scores when determining auto premiums?

Some states allow insurance companies to consider credit scores when calculating premiums for auto policies. Massachusetts doesn’t, though, and was one of the first states to prohibit this practice.


Where can Massachusetts drivers find car insurance?

Massachusetts residents who need to insure their vehicles can contact the independent insurance agents at Michaud Insurance Agency. Our agents will work closely with you to determine coverage needs, and then compare several policies that meet your specific needs. We’re able to help you find the best available car insurance policy regardless of what insurance company is offering it.

Get in touch with our team!

Michaud Insurance Agency

For questions or concerns, please contact our independent insurance agents.

Office: 95 Ayer Street Methuen, MA 01844
Phone: 978.685.2549
Fax: 978.794.0822