Progressive Auto Insurance: What Massachusetts Drivers Need To Know

Progressive offers auto insurance in Massachusetts, where drivers experience everything from scenic rides in quaint, historical towns to crowded commutes in bustling Boston. Progressive is the #1 combined personal and commercial auto insurance company, and offers drivers in Massachusetts reliable protection.

Progressive's average auto insurance cost in Massachusetts

Progressive is one of the cheapest car insurance companies in Massachusetts. The average cost of a liability-only Progressive auto policy in Massachusetts (single driver/single car) was $159.25 per month in 2023. This is considered a high-cost state, with the average cost of a six-month liability-only policy being $157.27 per month.

Massachusetts drivers are required to have auto liability coverage, uninsured/underinsured motorist coverage, and personal injury protection. The yearly average cost of car insurance in Massachusetts is $460 for minimum coverage and $1,673 for full coverage. Progressive offers an average of seven discounts to its car insurance customers.

The cost of car insurance in Massachusetts varies depending on age, location, driving record, vehicle type and usage, and more. For example, drivers in their 70s pay the lowest rates out of all age groups — about $77 per month. Getting a DUI in Massachusetts is the most impactful violation to have on your record, causing an annual increase of $1,092.

Massachusetts is one of a handful of states that disallows credit score, gender, and marital status as rating factors in car insurance pricing.

Commercial auto insurance in Massachusetts

Commercial auto insurance covers vehicles used for business purposes, including business-owned private passenger vehicles, trucks, tractors, trailers, and fleets of vehicles. It is required for any Massachusetts company that uses vehicles for business, whether they are owned, leased, or rented. Personal auto insurance typically does not cover vehicles used for work purposes, so a separate commercial policy is necessary.

There are several reputable commercial auto insurance carriers in Massachusetts, including Safety Insurance, Arbella Insurance, Progressive Insurance, Liberty Mutual, and Plymouth Rock Assurance. These companies offer customizable coverage options, competitive rates, and specialized services.

The cost of commercial auto insurance in Massachusetts depends on various factors, such as the number, age, and type of vehicles, the level of risk involved, employee driving records, and policy limits. It is recommended that businesses carry at least $1,000,000 in liability coverage to adequately protect themselves in the event of a serious collision.

Massachusetts' minimum auto insurance requirements

Massachusetts requires drivers to carry a minimum amount of car insurance coverage before getting behind the wheel. This means that drivers must have insurance before registering a vehicle, and they must carry proof of insurance at all times while driving.

The state is a no-fault state, which means that a driver's own insurance covers their injuries in the event of an accident, regardless of who is at fault.

The minimum insurance coverage in Massachusetts includes:

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

Bodily injury liability insurance covers injury expenses to those harmed in an at-fault accident. Property damage liability insurance covers the costs of damage to the personal belongings of others. Uninsured motorist coverage steps in when the at-fault party has no insurance coverage and cannot pay for medical expenses. Finally, personal injury protection covers medical costs for the driver and their passengers in the event of an accident.

While these are the minimum insurance requirements in Massachusetts, it is recommended that drivers consider purchasing additional coverage for greater financial protection. Opting for the minimum coverage typically results in lower insurance premiums, but such basic coverage might not fully cover the costs of an accident. For example, if an incident causes $60,000 in property damage, the minimum coverage would only account for $5,000, leaving a large amount to be paid out-of-pocket.

Discounts on auto insurance in Massachusetts

Progressive Insurance is a popular option for auto insurance in Massachusetts. The company offers a range of discounts to its customers, including:

• Continuous insurance
• Five-year accident-free
• Electronic Funds Transfer (EFT)
• Three-year safe driving
• Bundle and save (home and auto insurance)

In addition to Progressive, there are several other insurance companies that offer auto insurance in Massachusetts, such as MAPFRE, Safety Insurance, GEICO, and Liberty Mutual Insurance. These companies also offer various discounts to their customers.

For example, MAPFRE offers the following discounts:

• Clean In Three Discount (for safe driving)
• Good Student Discount (for students who meet scholastic requirements)
• Marketing Partner Discount (for those who donate to the Pan Mass Challenge)

Safety Insurance also provides a range of discounts, including:

• Rewards for Safe Driving (up to 24% for no accidents or incidents in the past 6 years)
• Excellent Driver Discount (up to 10% for no accidents or incidents in the past 5 years)
• Group Discount (5%) for drivers who participate in In Control's Crash Prevention Training
• Multi-Policy Discounts (10% account credit when purchasing multiple policies)
• Multi-Car Discount (up to 10% when insuring more than one vehicle)
• Good Student Discount (10%) for students with a B average or better
• Student Away at School Discount (10%) for students without regular access to a vehicle

When shopping for auto insurance in Massachusetts, it is important to obtain multiple quotes, ask about discounts and benefits, and understand the mandatory coverages required by the state.

Average savings on auto insurance in Massachusetts

Massachusetts drivers who switch to Progressive save nearly $750 on average. Progressive offers a wide range of insurance products and incentives to Massachusetts residents, including the option to bundle home and auto insurance, which can save customers over 20% on average nationwide.

The average cost of car insurance in Massachusetts varies depending on the level of coverage, age, driving record, and other factors. For minimum coverage, the average yearly cost is $458, or $38 per month. For full coverage, the average yearly cost is $1,070, or $89 per month. These rates are slightly cheaper than the national average.

The cost of car insurance in Massachusetts is influenced by various factors, including state laws, urban traffic conditions, and weather risks. The state's minimum car insurance requirements include bodily injury liability, property damage liability, uninsured motorist coverage, and personal injury protection.

Massachusetts is also a no-fault state, which means that drivers are required to carry personal injury protection (PIP) coverage to cover their medical expenses after a car accident, regardless of who is at fault. This also restricts the right to sue to only lawsuits involving severe injuries.

To save money on car insurance in Massachusetts, it is recommended to compare rates from multiple insurers, maintain a clean driving record, bundle insurance policies, and increase deductibles. Improving one's credit score and choosing a vehicle that is cheaper to insure can also help reduce insurance costs.

Frequently asked questions