Geico Auto Insurance: Is Massachusetts Covered?

GEICO offers auto insurance in Massachusetts, with dedicated agents in Boston and across the state. The company provides a range of insurance options, including for cars, motorcycles, boats, RVs, ATVs, PWCs, homes, and condos. GEICO's website offers a free quote for auto insurance in Massachusetts, with the option to add comprehensive and collision coverage. The company also offers various discounts, such as the New Vehicle Discount, Good Student Discount, and Multi-Policy Discount.

GEICO's Massachusetts auto insurance coverage options

GEICO offers a range of auto insurance coverage options in Massachusetts. The company provides a number of benefits to its customers in the state, including competitive rates, 24/7 service, and the ability to get a fast and free quote online.

Massachusetts has a minimum coverage requirement for auto insurance, and GEICO can help its customers meet these requirements. The minimum coverage in Massachusetts includes bodily injury liability coverage of $20,000 per person and $40,000 per accident, property damage coverage of $5,000 per accident, uninsured motorist bodily injury coverage of $20,000 per person and $40,000 per accident, and personal injury protection of $8,000.

GEICO offers its customers in Massachusetts the option to include comprehensive and collision coverage in their policies. Collision coverage can be standard or limited. Standard collision coverage can be used to repair your vehicle regardless of who is at fault in an accident, while limited collision coverage can only be used if you are found to be less than 50% at fault. Massachusetts residents carrying collision coverage also have the option to carry a collision deductible waiver, which means they will not need to pay their collision deductible under certain circumstances when they are less than 50% at fault in a collision.

In addition to the standard and mandatory coverage options, GEICO offers several other types of auto insurance coverage. These include emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance. GEICO also offers Accident Forgiveness, which helps keep insurance rates affordable after a customer's first accident. However, this is not available in Massachusetts.

Discounts on auto insurance in Massachusetts

Yes, GEICO offers auto insurance in Massachusetts. There are a variety of discounts on auto insurance in Massachusetts. Here are some of the most common ones:

GEICO Discounts

GEICO offers a range of discounts for its Massachusetts customers, including:

• New Vehicle Discount: For new vehicles, GEICO offers a discount on auto insurance.
• Good Student Discount: Inexperienced drivers who are full-time students and meet certain academic requirements can benefit from this discount.
• Multi-Policy Discount: Customers with multiple policies, such as homeowners or renters insurance, can save with this discount.

Other Provider Discounts

Other insurance providers in Massachusetts, such as Safety Insurance and MAPFRE Insurance, also offer various discounts:

• Safety Insurance: Offers discounts for safe driving, multi-car policies, good students, and more. For example, up to 24% for the Excellent Driver Plus Discount (no accidents or incidents in the past 6 years) and a 10% Good Student Discount.
• MAPFRE Insurance: Offers the Clean in Three Discount for accident-free and violation-free driving records, the Good Student Discount for inexperienced drivers who are full-time students, and the Marketing Partner Discount for those who have donated to the Pan Mass Challenge.

Required and additional coverage information

In Massachusetts, it is illegal to drive a car without at least the minimum amount of liability coverage. The minimum car insurance coverage required by law in Massachusetts is as follows:

• $20,000 per person and $40,000 per accident for bodily injury liability coverage
• $5,000 per accident for property damage coverage
• $20,000 per person and $40,000 per accident for uninsured motorist bodily injury coverage
• $8,000 per person, per accident for personal injury protection

There are two types of personal injury protection in Massachusetts:

• Policyholder only: This option covers only the people named as policyholders, such as yourself and your co-insured spouse.
• Household: This option covers you and any additional household members.

If you need additional coverage on your vehicle in Massachusetts, your policy can include comprehensive and collision coverage. Standard collision coverage can be used to repair your vehicle regardless of who is at fault in an accident. Limited collision coverage, on the other hand, can only be used if you are found to be less than 50% at fault. A licensed GEICO agent can help you determine if limited collision coverage is right for you.

Massachusetts residents who carry collision coverage also have the option to carry a collision deductible waiver, which means you won't have to pay your collision deductible under certain circumstances when you are less than 50% at fault in a collision.

Massachusetts auto insurance requirements

Yes, GEICO offers auto insurance in Massachusetts. The company provides a range of coverage options and discounts for Massachusetts drivers.

Massachusetts law requires drivers to carry a minimum amount of auto insurance. The state has specific requirements for the types and amounts of coverage that drivers must have. Here is a breakdown of the mandatory coverages:

• Bodily Injury Liability Coverage: This protects you if you accidentally injure someone else while operating your vehicle. The minimum requirement is $20,000 per person and $40,000 per accident.
• Property Damage Coverage: This covers damage to another person's property caused by you or someone driving your car. The minimum limit is $5,000 per accident.
• Personal Injury Protection (PIP): PIP covers your medical expenses and up to 75% of lost wages if you're injured in an accident, regardless of who is at fault. The minimum requirement in Massachusetts is $8,000.
• Uninsured Motorist Bodily Injury Coverage: This protects you if you're injured in an accident caused by an uninsured or unidentified driver. The minimum requirement is $20,000 per person and $40,000 per accident.

These are the basic requirements, but drivers can also choose to purchase additional coverages and higher limits to suit their needs and provide more comprehensive protection.

Massachusetts teen driving laws

In Massachusetts, a resident must be 16 years of age or older to legally obtain a driver's license. Teens can apply for a Class D Learner's Permit at 16 years of age. A learner's permit allows a teen to operate a motor vehicle as long as a licensed driver aged 21 or older is present in the passenger seat at all times. Applicants must pass a written test and eye exam to be eligible for a permit.

Once a permit is obtained, a teen must log 40 hours of supervised driving time in addition to taking a driver's education course. Courses include 30 hours of classroom instruction, 12 hours of instruction behind the wheel, and 6 hours of in-car observation. Massachusetts also requires parents to take a 2-hour course on how to properly supervise teens while they work towards fulfilling the 40 hours of supervised driving requirement.

At 16 and a half years old, teens will be eligible to apply for a Class D Junior Operator License. To obtain a junior operator license, a teen must have held a learner's permit for 6 months while maintaining a clean driving record, completed a driver's ed program, logged 40 hours of supervised driving, and passed the final written driving exam and road test.

A teen with a junior operator license will be able to drive without adult supervision, but there are restrictions. There are three major restrictions placed on a junior operator license:

• Teens cannot drive passengers under the age of 18 (with the exception of siblings).
• Teens cannot drive between 12:30 am and 5 am (unless accompanied by a parent or guardian).
• Teens cannot use a mobile phone while driving.

These restrictions are lifted once a teen turns 18.

Frequently asked questions