Auto Insurance

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Automobile insurance is required by the state and the insurance commissioner sets the rates and issues other regulations. If you are a new resident to Massachusetts, you must change both your driver's license and auto registration plates within 30 days, at the Massachusetts Registry of Motor Vehicles. As auto insurance is required by law, you must first obtain insurance before you can receive your MA. registration plates (tags). If you need help, check out our overview of Massachusetts automobile coverages.

The rates charged for auto insurance are set by the state and are determined by where you live, the type and age of your car, the coverage that you select and your own driving record.

Whatever your standard rate would be, it is further modified by Merit Rating surcharges or credits and Safe Driver credits.

Merit Rating: This is a state mandated method of rewarding good driving habits and penalizing poor driving. When you first start driving in MA. you are assigned to Step 15, which is called the neutral step, as there are no credits or surcharges. Each year that you go without a blemish, you drop down one step and reach the best level of Step 9,after 6 years. If you have an at-fault accident or a violation, steps are added to your record by formula and you pay more for your insurance.

This example is for a Ford Taurus, garaged in Quincy, with liability limits of $100,000/$300,000 and Comprehensive fire, theft & Collision. The difference between a good driving record and just an average one can be worth $400 to $800 a Year!