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Massachusetts Car Insurance

Getting affordable car insurance in the Bay State should be as easy as it is to get a nice warm cup of clam chowder.

At Good2Go Insurance, Inc. we help you get the right coverage at the right price to get them behind the wheel.

Massachusetts Penalties for Driving Without Car Insurance

In the Commonwealth of Massachusetts, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Massachusetts include a of $500 to $5,000 or by imprisonment for not more than one year.

What is Considered Full Coverage Auto Insurance in Massachusetts?

According to the Massachusetts Registry of Motor Vehicles, Massachusetts‘s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Massachusetts vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets Commonwealth minimum requirements for:

  • $20,000 for bodily injury to or death of one individual and $40,000 in any one accident
  • $8,000 for bodily injury to individuals in any one accident
  • $5,000 for property damage in any one accident.


Massachusetts DUI/DWI Laws and Penalties

Massachusetts DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Massachusetts DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. Penalties for a first offense DUI are a fine of $500 to $5,000, up to two and one-half years in jail, and loss of licensure for one year. Penalties for a second offense are a fine of $600 to $10,000, 60 days to two and one-half years in jail, and loss of licensure for two year.

Massachusetts Cell Phone Driving Laws and Texting While Driving Laws

The Commonwealth of Massachusetts currently does not have a full ban on cell phone use for all drivers, however some local municipalities do. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. Massachusetts also has a texting while driving ban for all drivers.

Massachusetts SR-22 Insurance Documents

Massachusetts SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the DMV, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the Commonwealth of Massachusetts for drivers that are required to keep and show valid auto liability insurance.

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