Massachusetts Automobile Insurance

Shopping for Massachusetts Automobile Insurance can be a daunting task, so many companies, so many choices. The important thing first is to choose the people - agency you want to have a relationship with. Cantiani Insurance Agency along with our sister company, East Douglas insurance, have been building relationships for years.

The state of Massachusetts has specific insurance requirements to ensure state residents have adequate coverage in case of an accident.

While these insurance mandates can protect you they can also increase the cost of your overall policy, depending on the coverage you choose.

Safe drivers most often can get discounted rates.

Massachusetts Automobile Insurance

In Massachusetts, you are required to have the following coverages and minimums.

  • Bodily Injury (injury to Others)
    • $20,000 per person.
    • $40,000 per accident.
  • Personal Injury Protection (often referred to as PIP):
    • $8,000 per person in an accident.
  • Bodily Injury (Caused by an Uninsured Auto)
    • $20,000 per person.
    • $40,000 per accident.
  • Damage to Someone Else’s Personal Property:
    • $5,000 per accident.

PIP coverage covers you or your passengers’ injuries from a car accident, regardless of which driver was at fault. Note, however, you still can be considered at fault for car accidents in MA.

In Massachusetts most auto insurance agencies allow you to purchase higher limits of coverage - this pertains to the required coverage.

When you talk with your Cantiani Insurance Agent on car insurance be sure to ask about the following types of optional coverage:

  • Collision – Covers damages to your automobile caused by a traffic accident.
  • Comprehensive – This covers your automobile for non-collision-related incidents, such as flood, tree falls and the like.
  • Rental- While your vehicle is being repaired for damage caused by a covered loss.
  • Towing and labor.

It is not mandatory in the state of Mass to have comprehensive or collision coverage. However, if you are financing or leasing your automobile the banking institution will require that you purchase these coverages.

For more information contact an agent at  Cantiani Insurance Agency at 318 Plantation Street, Worcester, MA 01604. Phone: 508-791-2088 we’ll be glad to help! Or fill out the contact form below.

Both Locations

Hours of Operation

Worcester: Monday–Friday, 8:30 AM to 5:00 PM
East Douglas: Monday–Friday, 8:00 AM to 4:30 PM

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Cantiani Insurance Agency

(508) 791-2088
Fax (508) 799-0663
318 Plantation Street
Worcester, MA 01604

East Douglas Insurance

(508) 476-2101
Fax (508) 476-1296
P.O. Box 1370, 306 Main Street
Douglas, MA 01516

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